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
a. I and II
b. II only
c. I and III
d. I only
2. Debt collectors are not allowed to:
a. Make annoying, repeated phone calls
b. Reveal a debtor's debt to the public
c. Make misleading statements about the consequences of nonpayment
d. All of the above
3. The Equal Credit Opportunity Act prohibits discrimination in the granting of credit on the basis of all EXCEPT ____.
a. age
b. inability to repay
c. marital status
d. race or religion