Which of the following factors does NOT affect a borrower's credit score?

The amount of equity in a borrower's property does not directly affect their credit score. Credit scores primarily focus on a borrower's credit history and behavior in managing their debts, rather than the assets they hold. Factors typically evaluated in a credit score include the length of credit history, the types of credit used, payment history, and the number of recent credit inquiries. While having equity can impact a mortgage application and the terms offered by lenders, it is not part of the formula used to calculate an individual's credit score. Therefore, this option is correct in that it identifies a factor that does not influence the credit score, unlike other elements related directly to credit behavior and history.