Which of the following factors is NOT associated with influencing your credit score?

Your current income level is not associated with influencing your credit score. Credit scores are primarily determined by how you manage the credit that is available to you, rather than by your income. Factors such as payment history, the types of credit used, and the length of your credit history all contribute to your credit score calculation.

Payment history is crucial because it reflects whether you've made your payments on time, which is a significant indicator of your reliability as a borrower. The types of credit used include credit cards, mortgages, and installment loans, and having a mixture can strengthen your score by showing that you can handle different types of credit responsibly. The length of credit history accounts for how long you've been using credit; a longer history generally provides more data on your borrowing habits, which can enhance your score if you've managed credit well over time.

In contrast, your current income level does not directly affect your credit risk assessment and is not a factor used by credit scoring models.