Please help!! it’s number 7 the top one. i’m so confused

Closing a credit card usually _your debt ratio.a. increasesb. decreasesc. improvesd. has no effect on

7. if the value of x varies directly with the value of y, and x = 3 when y = 21. what is the valu y, and x = 3 when y = 21. what is the value of x when y = 105?

Me! i really need to get this right before 9. prove the divisibility of 7^6+7^5-7^4 by 11. use factoring so you get a number times 11. just tell me the number. i need this done asap