Your credit score predicts what aspect of loan repayment?

The correct answer focuses on the credit score's primary function as a predictive measure of a borrower's ability to repay a loan in a timely manner. Credit scores are calculated based on various factors, including payment history, the amount of debt owed, length of credit history, types of credit used, and new credit inquiries. A higher credit score indicates that a borrower has a history of making payments on time and managing their debts responsibly, which leads lenders to interpret this as a strong likelihood that the borrower will continue to pay back loans on time in the future.

While negotiating loan terms can be influenced by credit scores, the score itself does not directly predict negotiation skills. Additionally, paying bills, while a part of the payment history that influences credit scores, is not the direct aspect its prediction focuses on regarding loan repayment. Lastly, total outstanding debt is a component that affects credit scores, but it does not directly correlate as a predictive measure of repayment likelihood like a credit score does. Therefore, the statement that accurately reflects what a credit score predicts in the context of loan repayment is indeed the likelihood of paying back a loan on time.