(Credit Scores LC} A borrower is curious about their credit score and knows the following four scenarios can have a negative or positive impact: I. Consistently making late payments M. Long credit history with specific card I\". Keeping a high balance on credit cards IV. Applying for many different credit cards Which scenario(s} will negatively impact a credit score? 0 I, III, IV 0 I, N OIL III, IV 0