Which action can hurt your credit score I. Paying your phone bill late. II. Taking the bus to work. III. Maxing out several credit cards. IV. Using the internet to pay your bills?

I and III can hurt your credit score. Paying your phone bill late can lead to negative reports to credit bureaus, while maxing out several credit cards increases your credit utilization ratio, which can lower your score. Taking the bus to work and using the internet to pay your bills do not directly impact your credit score.