How Your Income and Score Decide the Amount You Can Access QuicklyWhen you need money fast, the number that lands in your account isn’t arbitrary. Two factors do most of the heavy lifting: how much you earn and what your credit score looks like. ADVERTISEMENTThe Credit Score FactorYour credit score, on the other hand, answers a different question: have you been responsible with money in the past? Income and credit score don’t operate in separate lanes. Conversely, a strong credit score with modest income limits you in a different way.