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answer: a

explanation:  

stocks and bonds are the two main classes of assets investors use in their portfolios. stocks offer an ownership stake in a company, while bonds are akin to loans made to a company (a corporate bond) or other organization (like the u.s. treasury). in general, stocks are considered riskier and more volatile than bonds.

savings accounts are just money in a bank- they are insured by the fdic for up to 250,000.   very little risk

the average mutual fund holds hundreds of different securities, which means mutual fund shareholders gain important diversification at a low price. which means if one stock or bond drops it will have very little affect on the mutual fund - again very little risk

the correct answer is alternative c) "determine which debts to pay off."

credit report is a record of a person's credit history, from several sources such as banks, credit card companies, government, etc.

looking through your credit report you'll know exactly how much and to whom you owe money.

looking at your credit score you'll show you if your credit is improving.

only by paying off your debt or renegotiating it can you reduce the amount of money owed.

credit reports are not an instrument of negotiating interest. they only show your track record when it comes to borrowing money.