Mini-Case A: (6.5 marks)Maya, a 22-year-old university student, has a credit score of 640, which is considered fair. She wants to improve her score to qualify for a lower interest rate on a car loan when she graduates next year. Here is an overview of her financial situation:® Maya has had a Mastercard with a $1,000 limit since she was 18 years old, which she maxes outeach month.She only makes the $50 minimum payment leaving her with just $50 in available credit for new purchases each month.® She missed two credit card payments in the past year, but it is only because she forgot to pay.Since her Mastercard is always at its credit limit, Maya decided to apply for a second credit card to use in emergencies. She is currently awaiting a response from Visa.She has a student loan of $10,000 with the Royal Bank of Canada (RBC) but is not required to start reimbursing until after graduation.She earns a gross monthly part-time salary of $1,000 and spends the entire net monthly pay of $800 as follows: $500 to repay her parents for the car they purchased for her, $100 on her cellphone bill, $50 as a minimum monthly payment on her Mastercard, and $150 on hair, manicures, and pedicures.She lives with her parents but is looking to move into an apartment with two girlfriends once she graduates in April 2026 and secures a full-time job.a) Credit scores are influenced by five key factors. Based on specific examples from the case select two positive and two negative credit score factors and explain how they impact Maya's overall creditworthiness. (1 mark for .25 marks each)Positive: payment history, credit utilization, length of credit history, types of credit used, new credit. Highlight and Underline two positive credit score factors.