Which person would most likely have a bad credit report? A. Oliver pays off the balance on his credit card every month and
recently closed an account he doesn't use.
B. In the past year, Brendan paid some of his bills late, and he has
several credit cards he never uses.
O C. Josie declared bankruptcy 10 years ago, has been in the me job
for eight years, and shays all her bills on time.
D. Mark has lived in the same house for 10 years, and he always pays
his bills on time,

b. He has five credits cards with high balances.Explanation:A VantageScore is a credit score model that shows the probability that someone will pay the loans. A 400 VantageScore is very poor and people can get this score for different situations like bankruptcies as they will appear in your report for up to 10 years, having high utilization rates on your credit card and missing payments. According to this, the answer is that the factor that could be the cause is: he has five credits cards with high balances because he would have a high utilization rate which hurts the credit score. The other options are not right because a bankruptcy appears in the report for up to 10 years, a low debt to credit ratio shows that you use your credit in a responsible form and it won't hurt your credit acore. Also, if someone doesn't have a credit history, there is no score because there is no data to define that.

Explanation:

d. because it's the in that makes the most sense

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