Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to make a major purchase with poor credit and zero down [title] Determine your credit score prior to applying for a loan. [step] In the united states, there are 3 credit reporting agencies that keep track of your payment history. Your credit score is a combination of the 3 agencies.

Ending1: One agency prioritizes your credit score, and the other will do the same. [title] Determine the amount of monthly fees and payment penalties for credit card cancellations. Ending2: This score is often referred to as your fair isaac company (fico) score. [substeps] Retrieve a tri-merge credit report or get a credit report from each of the 3 reporting agencies. Ending3: Each agency will be able to give you an estimate of your credit score as well as make recommendations on whether to pursue or file for a loan. If you are unsure about your credit score, contact 1-800-457-1040ez to know. Ending4: [title] Ask your bank to assess your score. [step] The two credit agencies that focus on your score will have a heads-up on what type of money you accept.

Answer format: ending1/ending2/ending3/ending4