Which of the following factors is not usually considered a positive credit history?

Frequent credit inquiries are typically not regarded as a positive aspect of one's credit history. When a lender conducts a credit inquiry, it suggests that an individual is seeking new credit, which can raise concerns about their financial stability or their reliance on borrowing. Frequent inquiries can indicate that a person is managing multiple credit applications simultaneously, which may present a risk to lenders.

On the other hand, regular timely payments show reliability and responsibility in managing debt, which is positively viewed by credit scoring models. Older, established accounts contribute positively as they demonstrate a long history of credit management, while low credit utilization reflects a healthy balance between the amount of credit available and the amount being used, indicating a responsible approach to credit management.