Which of the following actions can enhance creditworthiness?

Paying bills on time is a critical action that enhances creditworthiness because it directly affects one's credit score. Credit scores are influenced significantly by payment history, and consistently making on-time payments demonstrates reliability and financial responsibility to lenders. When individuals pay their bills punctually—whether they are for loans, credit cards, utilities, or other obligations—they show that they can manage their debts effectively, reducing the perceived risk for future creditors.

In contrast, maxing out credit cards may harm credit utilization ratios, applying for multiple loans can lead to hard inquiries, which might negatively impact the credit score, and ignoring credit reports prevents individuals from recognizing and correcting any errors that could be detrimental to their credit profiles. Together, these factors contribute to a comprehensive view of how responsible financial behavior can significantly boost one's creditworthiness.