As de jure segregation formed and solidified in the south:

your mom

the correct answer is alternative c) "determine which debts to pay off."

credit report is a record of a person's credit history, from several sources such as banks, credit card companies, government, etc.

looking through your credit report you'll know exactly how much and to whom you owe money.

looking at your credit score you'll show you if your credit is improving.

only by paying off your debt or renegotiating it can you reduce the amount of money owed.

credit reports are not an instrument of negotiating interest. they only show your track record when it comes to borrowing money.