AS far as I know your credit score can't be affected by your parents. Your credit score can only be affected by the overdue payments and purchases you make.
What? Because I have no idea what is the joke
B. stated in key details.
the sentence that is being used in both excerpt are logos. The use of the logos appeal here is to give a reason to support and explain her purpose
Both use an appeal to logos by providing a reason to support her purpose.