What factor is NOT considered when calculating a consumer’s credit score?

When calculating a consumer’s credit score, factors such as the length of credit history, types of credit used, and payment history are all critical components that lenders consider. These factors help assess an individual's creditworthiness and ability to repay debts.

Length of credit history reflects how long a consumer has been using credit, which gives lenders a better understanding of the borrower’s experience with managing credit over time. Types of credit used indicate the variety of credit accounts that a consumer has, such as credit cards, mortgages, or installment loans, showing the capability to handle different forms of debt. Payment history is perhaps the most significant factor, as it illustrates a consumer's track record in making timely payments.

In contrast, race and ethnicity have no bearing on credit scoring systems. Credit scores are designed to be objective metrics that evaluate a consumer's behavior with financial obligations without any personal demographic influences. Therefore, this factor is not included in the calculation of credit scores, making it the correct response in this context.