Which statement best describes stages In the credit review process?

Which statement best describes stages In the credit review process?
A. initiating a credit review, data collection, data analysis, making and implementing the recommendations
B. defining a profile class, assigning it to customers, setting up the scoring model, and starting the workflow background process
C. manually reviewing customers’ past billing and payment history, initiating discussions with customers, and implementing recommendations
D. manually initiating a review by sending out malls to customers requesting information, reviewing and making recommendations, and implementing recommendations after approval

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