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8. Normally, when using a credit scoring model receiving a zero on a variable such as income would:
- Raise the result (Y) and makes getting credit more likely
- Lowers the result (Y) and makes getting credit less likely
- Has no impact (Y) on the credit scoring model
9. Trade Credit from suppliers is booked on the Balance Sheet as a (an):
- Accounts payable
- Notes payable
- Short-term bank credit
- All of the above
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