Decide how each action would affect your credit score.
you make more than minimum payments before the due dates.
you missed a credit card payment in november and paid a late fee.
you opened three new credit card accounts in a month.
your employer gave you a raise, so your income iacreased.
the balance on your credit card is close to the credit limit.

The correct answers are the following.

The actions would affect your credit score in the following way:

You make more than minimum payments before the due dates. It will improve your credit score.

You missed a credit card payment in November and paid a late fee. It will affect or decrease your credit score.

You opened three new credit card accounts in a month. It will diminish your score.

Your employer gave you a raise, so your income increased. It will be good or will not affect if you use the money wisely.

The balance on your credit card is close to the credit limit. IT has the risk to affect or decrease because you are getting to the limits of your credit.

That is why it is so important to maintain a good daily balance of the operations of your credit, so you can keep control of the money spend and the debt you have to pay in due time, in order to never affect your score negatively.

sir frederic attributed inaccuracies to schemas. memory reconstruction is one part actual events and one part personal schema, which can result in inaccuracies when memories are reconstructed.