A credit score is impacted by factors such as your payment history (including missed payments), the amount of debt you carry, the length of your credit history, the types of credit you use, and new credit inquiries. Therefore, the correct response would be:
"If you ever file bankruptcy and your ability to pay back your debts and miss payments if you do it brings your credit score down."
The other options listed do not relate directly to factors impacting a credit score.