Which of the following correctly identifies the categories that make up the FICO credit scores?

A. Payment history, length of credit history, types of credit in use, new credit, and current income.

B. Payment history, credit utilization, types of credit in use, length of credit history, and new credit.

C. Income level, outstanding debts, recent purchases, credit history length, and payment frequency.

D. Employment history, credit card limits, savings account balance, types of loans, and recent transactions.