Which account information is retained in a credit report?

The following information is included in credit reports: 

Identification: Your name, social security number, birth date, and information on your employer (where you work).

Credit Inquires: When you apply for a loan. This section will have voluntary inquires (something that you requested that is credit-based) and involuntary inquires (when a lender orders your report)

Public Records & Collections: Information from state and/or county courts, information on over-due debt (if you have any), bankruptcies, forecloses, law suits, your wage (from your job or other income), garnishments, and liens. 

The answer is 1 because you have to flip the sign when dividing by negative number and 3