Fabian was finding it difficult to acquire a credit card that would suit his needs. He checked his credit report to determine why he was facing these difficulties. What would have had a negative impact on Fabian's credit score and brought it down?
A.
paying bills on time
B.
paying mortgages installments on time
C.
not having any overdrafts
D.
irregular and missed loan payments
E.
purchasing multiple household items
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