Answer:
Your credit report contains personal information, credit account history, credit inquiries and public records. This information is reported by your lenders and creditors to the credit bureaus. Much of it is used to calculate your FICO® Scores to inform future lenders about your creditworthiness.
I think it’s the first option
The midpoint between these two would be -7, as you would add these two numbers, and then divide by two.
