Which factor does NOT contribute to determining an individual's credit score?

Income level does not directly influence an individual’s credit score. Credit scores are calculated based on factors specifically related to credit behavior and history, rather than overall financial status or income. The principal components that contribute to a credit score include payment history, which reflects an individual’s reliability in repaying debts; credit utilization, which measures the amount of credit being used compared to available credit limits; and length of credit history, which indicates how long a person has been using credit, considering factored elements such as the age of credit accounts.

While income can play a role in a person's overall financial profile and ability to repay debts, it is not included in the formula used to generate credit scores. Therefore, this option stands out as the factor that does not contribute to the determination of an individual's credit score.