Question

jill wants to buy a new car and apply for a car loan. she checked her credit report and credit score. her credit score is 720. although it is good, she wants to improve it. which should jill do to increase her credit score?
○ open new credit card accounts.
○ use at least 70% of her credit limit.
○ pay off her credit card debt.
○ skip a credit card payment.

Explanation:

Paying off credit card debt reduces credit utilization (a key factor in credit scores), which positively impacts the score. Opening new accounts can lower average credit history length; high credit utilization (≥70%) harms scores; skipping payments leads to late fees and score drops. Thus, paying off debt is the correct choice.

Answer:

C. Pay off her credit card debt.