Which Is the Most Effective Statement in a Letter to a Customer

Which is the most effective statement in a letter to a customer denying credit? 

A) To learn more about your credit record, log onto http://www.ftc.gov/freereports to obtain your free credit reports.
B) Your credit history report shows that you are a completely unacceptable applicant.
C) Perhaps if you were a more stable and responsible person, we would be able to grant you credit.
D) Please take your business elsewhere.

Correct Answer:

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