Which of the following is NOT a factor that affects a consumer's credit score?

A consumer's credit score is primarily influenced by a variety of financial behaviors and history, which include factors like payment history, age of credit accounts, and credit utilization rate. Payment history reflects how reliably a consumer has made payments on credit obligations, which is crucial for determining creditworthiness. The age of credit accounts indicates how long a consumer has been establishing credit, and a longer credit history can positively impact the score. Credit utilization rate measures the amount of available credit a consumer is using, and maintaining a low utilization rate is associated with higher credit scores.

In contrast, the design of a consumer's home does not have any bearing on their credit score. This factor is unrelated to any of the financial behaviors, credit choices, or payment habits that influence how creditworthiness is assessed. Therefore, it stands out as not being a factor in determining a consumer's credit score. Understanding these components helps consumers take actionable steps to improve their financial health and manage their credit effectively.