add them together then divide by 5
81 +86 +81 +76 +71 = 395
395/5 = 79
your average was 79
I believe the answer to this one would be 75.0%
18-B
I'm not so sure about 19 I know the longest someone can have a loan it's up to 7 years but I would have no idea about credit reports but I would guess they would almost be the same
hope I helped somewhat