According to the table which of following, which of these factors affect your credit score the least?

Will give brainliest if you answer question correct

For the rule of 78, for a 12-month period, the last term in the sequence is 12 and the series sums to 78. for an 10 month period, the last term is and the series sum is . for a 15 month period, the last term is and the series sum is . for a 20 month period, the last term is and the series sum is

Can any one me with the answers to these questions asap?