Mr. Mulvaney is a wage earner who has held his job for 18 months. He has lived at his current rented apartment for 13 months. His credit report is excellent, and there are two credit cards actively using, Yesterday, Mulvaney opened an account in the San Carlos Bank and deposited $250. Today Mulveney asks for a &4, 500 loan to purchase a used car and some furniture. San Carlos Bank used a credit scoring system to evaluate most consumer loans, and will refuse the loan application it the applicant gets less than 30 in the scoring system. Suppose you are one of the staff in this bank