please answer these questions

What has the least impact on your credit score? Acquiring new credit Amount of credit owing Payment history Length of credit history What is the effective annual interest rate on a $10,000 loan that charges 5% interest, compounded quarterly, and a $300 administration fee up-front? 4.92% 4.94% 5.25% 5.09% Which statement is false with respect to a declaration of personal bankruptcy? Any of the debtor's assets can be liquidated to pay creditors Declaring bankruptcy has greater consequences than filing a consumer proposal Unsecured creditors will not be able to take legal steps to seize property You can file for bankruptcy when you become insolvent