Of the following statements, which one or ones describe actions helpful to your credit score? L. Ouidily paying off debts IL. Having recent debts III. Having long-standing lines of credit a. Ionly b. Il and Ill c. I and d. III

To determine which actions are helpful to your credit score, let's examine each statement: 1. **Paying off debts (I):** Paying off debts is generally positive for your credit score. It reduces your credit utilization ratio (the amount of credit you're using compared to your total available credit), which is a significant factor in credit scoring models. 2. **Having recent debts (II):** Taking on new or recent debts can **negatively** impact your credit score, especially if it leads to higher credit utilization or if you're opening multiple new credit accounts in a short period. 3. **Having long-standing lines of credit (III):** Maintaining long-standing credit accounts is beneficial as it demonstrates a longer credit history, which positively influences your credit score. **Based on this analysis:** - **Statements I and III** describe actions that are helpful to your credit score. **Therefore, the correct answer is:** **c. I and III**