6. Tom was recently turned down for a loan. He would like to re-apply next year for the same loan. Which
of the following is not a change he could make to increase his chances of being approved for the loan?
a. Pay off some of his credit cards to decrease his debt-to-income ratio,
b. Take out some more credit cards to increase his monthly debt.
C. Find another job that pays more, increasing his gross monthly
income.
d. Improve his credit score by making all credit card and loan payments
on time.

  b.  Take out some more credit cards to increase his monthly debt

Step-by-step explanation:

Creditors want to see that you have the means to pay off debt, and that you pay on time (not late). Increasing your debt reduces your ability to pay, so would not be a course of action that would motivate a creditor to give a loan.

Tom should not ... increase his monthly debt.

i only know the sequence of arithmetic it adds the first is 5+4 then it goes up as it adds to then it is 9+5 then 14+6 then to 20+7 and so on. 5,9,14,20,27,35.

step-by-step explanation: