Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to get a perfect credit score [title] Understand how credit agencies calculate your credit score. [step] Most agencies use payment history, types of credit, and a ratio of debt to credit in order to calculate a credit score. If you want to get a perfect credit score, it's important to understand the specifics of how your score is calculated.

Ending1: [substeps] To get an perfect credit score, your debt should be above one hundred and fifty percent. [substeps] Credit agencies typically ask for a fee of around three hundred dollars. Ending2: [title] Understand that credit agencies use a percentage. [step] By entering this information in your financial records, you make sure that you are paying off a certain amount of debt every month. Ending3: The easiest way to use payment history for the business of a large company is to track your debt over the past one year. With a level of debt below that threshold, you may wish to contact a credit counseling service and ask them to calculate your score for you. Ending4: Use this information to monitor your behavior and help you reach your goal. [substeps] Each agency computes your credit score in a slightly different way.

Answer format: ending1/ending2/ending3/ending4