You should avoid applying for too many credit accounts within a timeframe. 3 year 4 year 1 year 2 year Denise's credit score is very low. This may affect her ability to: More than one answer may be correct. Secure future employment Secure future loans Receive her full tax refund Get lower interest rates on loans You check your credit report annually. This year, upon checking the report, you notice a discrepancy with your credit card. To which agency(ies) should you report this issue? You should report the discrepancy to each of the three credit bureaus and the credit card company You should report the discrepancy to the credit card company and call the police You should report the discrepancy to your bank/credit union You should report the discrepancy to each of the three credit bureaus