Chloe's history of non-payment of monthly utility bills will probably cause a lender to

Deny her a line of credit

Extended more credit to her

Improve her credit score

Offer her a large loan

Since Chloe has a history of not paying his previous monthly utility bills, the lender probably deny her line of credit. Chloe cannot further use the services offered by the lender unless she will pay her balance. Non-payment of monthly utility bills is an enough reason that lender will on-hold her account temporarily until she settles her balances.