Final answer:
Positive and negative information are key factors to consider on a credit report.
Step-by-step explanation:
Positive and negative information are the most important factors to consider on a credit report. Positive information includes on-time payments, low credit utilization, and a long credit history, while negative information consists of late payments, defaults, and bankruptcies. It is crucial for Carlos to focus on these two categories to assess his creditworthiness and identify any issues that need to be addressed.
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