All of the Following Are Arguments in Favor of Using

All of the following are arguments in favor of using an applicant's credit record in personal lines underwriting EXCEPT

A) Most consumers have good credit records and benefit when credit history is used as a rating factor.
B) Use of credit data in underwriting or rating discriminates against certain groups.
C) Underwriting and rating may be more consistent if applicants' credit histories are considered.
D) There is high correlation between an applicant's credit record and future claims experience.