Business Credit-Scoring Models Suffer from Several Weaknesses

Business credit-scoring models suffer from several weaknesses. These include which of the following?
I. Credit-score models are not statistically sound tools to use in making a lending decision.
II. The appropriate weights on a credit-score model are likely to change unpredictably over time.
III. These models ignore nonquantifiable behavioral factors,such as a relationship with the bank and reputation.
IV. Credit-scoring models discriminate against minorities.

A) I and II only
B) II and III only
C) II,III,and IV only
D) I,II,and III only
E) I,II,III,and IV

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