Which of the following represents a method to assess creditworthiness?

A credit score is a standardized numerical representation that reflects an individual's creditworthiness. This score is calculated based on several factors, including payment history, amounts owed, length of credit history, types of credit used, and recent credit inquiries. Lenders typically use this score to evaluate the risk of lending money or extending credit to a borrower. A higher credit score generally indicates better creditworthiness, which often translates to better loan terms, such as lower interest rates.

The other options, while relevant to the overall financial situation of an individual, do not serve solely as direct measures of creditworthiness. Home value can indicate equity but does not encompass all aspects of credit health. Annual income provides insight into a person's ability to repay debt but does not reflect their credit management history or existing credit obligations. Current employment status may suggest income stability but is not a comprehensive measure of how someone has managed credit in the past.