Which Gram-positive, spore-forming, flagellated anaerobe produces a neurotoxin that inhibits acetylcholine resulting in respiratory paralysis. A great problem decades ago with canned food. Treated with antitoxin, penicillin, hyperbaric chamber, or respirator. Prevented by good food preservation techniques.

The correct answer is letter "A": You are 3 months late paying your student loan bill.

Explanation:

The main factor decreasing individuals' credit score is falling behind payments. Credit bureaus consider this to lower people's rating thus financial institutions can be aware that the financial situation of an individual is not optimal and if that person requests another credit is prone to fall into debt.