Identify the correct statements.

The most important criteria in determining your credit score is your payment history.

The majority of Canadians have a BEACON score less than 750.

Filing for bankruptcy can remain on your credit report for up to 10 years.

Your credit report includes information on your bank balances.

Use of short-term credit card debt over long-term debt has a positive impact on your credit score.

Your written consent is required to permit access to your credit report.