Which of the following factors can impact a borrower's creditworthiness?

Employment history is a crucial factor in assessing a borrower's creditworthiness. Lenders evaluate a borrower’s employment history to determine their job stability and income reliability. A solid and steady employment record indicates that a borrower has a consistent income, which can signify their ability to repay the loan. Frequent job changes or gaps in employment may raise red flags for lenders, suggesting potential financial instability.

Other factors, although they may influence a borrower’s overall financial picture, do not directly impact creditworthiness as significantly as employment history does. For instance, personal beliefs do not have a measurable impact on one’s financial behavior or ability to repay loans. Likewise, homeownership status may show responsibility in managing debt, but it does not directly reflect current financial stability when seeking a new loan. Relationship status can affect a person's financial situation indirectly, yet it generally does not factor into a lender’s assessment of creditworthiness. Thus, employment history remains the most pertinent factor in evaluating whether a borrower is likely to honor their financial commitments.