It’s probably the 1st or the 4th choice but i’d say the 4th
The credit report refers to the record of the credit history of a person.
A credit report is simply referred to as a record of the repayment of the debt of a borrower. It shows the record of the credit history of a borrower from different sources.
In this case, the credit report will be used in determining if Carolina will be given the loan or not. In a situation whereby Carolina pays the loans that she had taken earlier on time, this can ensure that she'll be given another loan.
On the other hand, if Carolina doesn't pay back her loans in time, this can discourage the bank from given her the loan.
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