Which action can create a negative impact on your credit history?

Not paying your bills on time is a sure way to worsen your credit. Companies look at your ability to pay bills on time, and pay back what you owe. Big purchases, too, like a down payment on a house will cause your credit to take a blow.

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Not being able to pay back your bills will create a negative problem with your credit history, as banks and other associates will see that you cannot keep a straight and consecutive payment, will make you untrustworthy and unreliable to pay back money. This can affect stuff for when you want to take out a loan and you would be declined because of your recent credit history of not being able to pay back bills, which indicates that your credit score itself probably is low.

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the national congress's powers over the states were specific and definite: it had the sole power to negotiate treaties, declare war, and make peace. all powers not granted to congress were reserved for state governments. congress had no power to levy taxes, for example.