Which of the following factors contributes significantly to a person's credit score?

A person's credit score is influenced significantly by their employment history. Lenders assess employment history as a component of creditworthiness, as a stable job situation can indicate financial reliability and the likelihood of paying debts on time. A consistent employment record may reflect responsibility and stability, which can positively impact a person's credit score.

In contrast, while age may give some context about a person's life stage or potential experience in managing credit, it is not a direct factor impacting credit scores. Geographic location can affect credit availability and lending practices, but it does not play a role in the scoring models used to assess an individual's creditworthiness. Similarly, the type of employer may provide some insight into job stability or income level but is not a specific factor considered in calculating credit scores. Collectively, these other factors do not carry the same weight or influence as employment history does when determining credit scores.