Answer:
C. A MISconception is a wrong or erroneous belief
Explanation:
D is the most appropriate answer, so i would pick that one.
We need more information! : ) I'll gladly help though!
<em>The factor that has the greatest impact on your credit score is;</em>
D. Payment history
<u>How late/early or on-time your payment is, and how much you owe, impacts your credit score. </u>