Tom was recently turned down for a loan. he would like to re-apply next year for the same loan. which of the following is not a change he could make to increase his chances of being approved for the loan? a. pay off some of his credit cards to decrease his debt-to-income ratio. b. take out some more credit cards to increase his monthly debt. c. find another job that pays more, increasing his gross monthly income. d. improve his credit score by making all credit card and loan payments on time.