1. Of the following statements, which one or ones describe actions harmful to your credit score?
   

I. Owing a lot of money

II. Having many lines of credit

III. Making steady payments

AI and II

BII only

CI and III

DI only

1. Debt collectors are not allowed to:
   

AMake annoying, repeated phone calls

BReveal a debtor's debt to the public

CMake misleading statements about the consequences of nonpayment

DAll of the above

1. The Equal Credit Opportunity Act prohibits discrimination in the granting of credit on the basis of all EXCEPT ____.
   

Aage

Binability to repay

Cmarital status

Drace or religion