You are provided with the following credit scoring model. One of your clients, Isac, would like to apply for a loan from your bank. He has an excellent credit scoring and has a cheque account at your bank. This loan is intended to cover the affairs of his family vocations(his wife, two children). Isac is a mechanic at Civil Engineers for more than three years. He has rented a house to live with his family for two years.

Credit Scoring Model	Points value
1. Customers occupation or line of work. Professional or business executive. Skilled worker Clerical worker Student Unskilled worker Part-time employee	10 8 7 5 4 2
2. Housing status Owns home Rents home or apartment Lives with friends or relatives	6 4 2
3. Credit rating Excellent Average No record Poor	10 5 2 0
4. Length of time in the current job More than one year One year or less	5 2
5. Length of time at current address More than one year One year or less	2 1
6. Telephone or internet in-home or apartment Yes No	2 0
7. Number of dependants reported by the customer None One Two Three More than three	3 3 4 4 2
8. Bank account held Both cheque and savings Savings account only Cheque account only None	4 3 2 0

Note: The cut-off score is 30.

What is the credit scores of this borrower? Will you grant this loan to him?

Select one:

1. 29, decline.

2. 33, accept.

3. 28, accept.

4. 31, accept.

5. None of the above