Which factor does NOT impact your credit score?

The factor that does not impact your credit score is personal income. Credit scores are primarily calculated based on a range of financial behaviors and attributes that reflect your creditworthiness. These include payment history, types of credit used, and length of credit history.

Payment history is the most significant factor, as it shows lenders whether you have a track record of paying your bills on time. The types of credit used indicate the diversity of your credit portfolio, which can show your ability to manage different types of debt responsibly. Meanwhile, the length of credit history impacts your score by demonstrating how long you have been managing credit, with longer histories generally seen as more favorable because they provide more data on your credit behavior.

In contrast, personal income does not directly affect your credit score. While higher income may positively influence a lender's decision when assessing loan applications, it is not a criterion used in the calculation of the credit score itself. This is why personal income is the correct response to the question about what does not impact your credit score.