1. Which of the following statements about a borrower's credit history is/are true?-V Making the minimum payment on a credit card each month will result in an R1 credit rating for that credit facility on the credit bureau report, An 12 rating signifies that an installment loan is late by more than 90 days. An individual who has entered into a consumer proposal will show R7s and 17s on their credit bureau file Soft credit checks on a borrower's credit bureau file signal credit seeking behaviour and will lower the borrower's credit score