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Of the following, which statement or statements accurately represent possible effects of a long-term credit purchase on your credit score?





I. Showing a willingness to pay high interest rates increases your score.


II. Making only minimum payments for an extended time can hurt your score.


III. Regularly paying off a credit balance can boost your score.




a.

I and III


b.

II only


c.

II and III


d.

I, II, and III