The most Brendan can afford to pay per year in mortgage payments is $10,500, and his credit score is currently 544. According to the following table for a $150,000 mortgage, by how many points would he need to improve his credit score in order to take a mortgage for $150,000? FICO Interest Monthly Score Rate Payment 720-850 5.59% $860 700-719 5.71% $872 675-699 6.25% $924 620-674 7.40% $1039 560-619 8.53% $1157 500-559 9.29% $1238 A. 76 points B. 131 points C. 16 points O D. 156 points