Anna and Rob have been dating for the last two years. They met when attending Concordia and moved in together in January 2022. They are quite serious in their relationship. Lynn is Annas best friend and sees that Rob is terrible with his money and ignores his bills. Anna tells Lynn that Rob will pay eventually, he is just very busy. In the meantime, Anna has made the payments to date, but Lynn knows that Anna is struggling financially and is very concerned about her friends situation.

Both Anna and Robs names are on the Montreal lease, however Rob has yet to pay the January, and February 2022 rent.

Both names are on the electricity and internet bills. The utility companies have sent notice for payment. Again, Anna paid both her share and Robs.

Robs best friend, Ralph came over for a visit from Germany and has decided to stay. He has been living with them since January 15th but has not paid rent nor contributed towards it (as he is a guest, his name is not on the lease).

a) Provide two potential financial impacts Robs non-payments could have on Anna.

b) Annas credit score is currently 800. Finish the sentence. Annas current credit score of 800 is __________________.

c) Rob knows nothing about credit scores, his score is 300. Provide Rob with three (3) ways that he can improve his credit score.