Which of the following factors can negatively impact a borrower's credit score?

All of the factors mentioned can indeed have a negative impact on a borrower's credit score. Payment history is crucial, as it's one of the most significant components of a credit score. Missing payments or making late payments can significantly lower a borrower's score.

The length of credit history also plays a role; a shorter credit history may suggest to lenders that the borrower has less experience managing credit, which can be seen as a risk factor.

Finally, credit mix refers to the variety of credit accounts a borrower has, such as revolving credit (like credit cards) and installment loans (like mortgages or car loans). A lack of diversity in credit accounts can negatively influence a credit score because lenders may view borrowers with a limited history as less reliable.

In summary, each of these factors contributes to the overall credit score, and negative aspects in any of these areas can lead to a decline in the score. Hence, acknowledging that all of these factors are interrelated and can impact the credit score highlights the complexity and importance of maintaining good credit practices.