All you have to do is restate your topic sentence but in a different way and make your point more clear.
<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>
Answer:
D is the answer I'm sure of it
A refrain in poetry is when a word, phrase, line, or groups of lines repeat in the poem.
