True, all those elements are important to budget time.
The way the author makes the story is what actually affects all of that
<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>
The correct answer among all the other choices is antipodes. This word describes the people who live on opposite sides of the world. Thank you for posting your question. I hope this answer helped you. Let me know if you need more help.