You Recently Had a Conversation with Your Neighbour Ruth Ripoff

Multiple Choice

You recently had a conversation with your neighbour Ruth Ripoff about her problems with getting a loan. She mentioned, in the course of the conversation, that she had been turned down at least five times. Based on this information, what can you conclude about your neighbour?

A) Her credit history is neither positive or negative.
B) She has either high credit balances or unpaid credit.
C) She has not tried hard enough to secure a loan.
D) She has an excellent credit history.