What factors are considered in calculating a credit score?

The correct choice revolves around the primary components considered in calculating a credit score, which are credit card history, outstanding debt, and negative information. Credit scores are primarily influenced by how an individual manages their credit and debt obligations. The history of payments made on credit accounts reflects a borrower's reliability, while outstanding debt levels indicate how much of their credit capacity they are using. Negative information, such as late payments, defaults, or bankruptcies, can significantly lower a credit score, as it highlights instances where a borrower has failed to meet their financial commitments.

The remaining options, while they may involve elements related to personal finance, do not directly pertain to the components that comprise a credit score. For instance, the length of employment and education level, while potentially related to overall financial behavior, do not directly factor into credit scoring models. Similarly, the value of assets owned and financial literacy may indicate financial stability but are not accounted for in the numerical scoring system. Lastly, while the number of credit inquiries can affect a credit score, it is just one aspect of a broader assessment and not as central as the aspects referenced in the correct choice.