It would mean a lot. : ) 1. debbie is curious about her credit score. which scenario will least negativity impact a credit score? a. consistently making late payments b. applying for many different credit cards c. keeping a high balance on her credit cards d. having a short credit history 2. gary is being considered for a promotion. which individual may run his credit report to determine if he is eligible for a promotion? a. creditor b. government representative c. employer d. landlord 3. reese has a credit score of 789. which action will lower reese's credit score? a. paying his bills on time b. applying for three more credit cards c. contacting a debt relief agent d. keeping a low debt to credit ratio