Hi there!
A low credit score can be the result of a lot of different factors. Maxed out credit cards and overdue fees are just some of the reasons why. Fully paid balances, on-time payments, and a long credit history are all good for your credit score and usually raise it, not lower it. As a result, the only option that makes sense would be...
A. Maxed out credit cards
Longitude lines go up and down.
