Which of the following factors is important for establishing creditworthiness?

Establishing creditworthiness is fundamentally linked to how reliably an individual manages their financial obligations. Paying bills consistently is critical because it demonstrates to lenders that a person can be trusted to make timely payments. This consistent behavior contributes positively to one’s credit history and credit score, which are key determinants in evaluating creditworthiness.

When individuals show a pattern of timely bill payments, it mitigates perceived risks for lenders and increases the likelihood of obtaining loans or credit at favorable terms. Conversely, factors such as turning in all payment forms, obtaining discounts, or having a savings balance do not directly demonstrate a person's ability to manage credit and repay debts, which are essential components for determining creditworthiness.