A Bank Would Like to Obtain Information Regarding the Credit

A bank would like to obtain information regarding the credit history of applicants as well as their lifestyle and spending habits.What should the bank do to obtain this information?

A) The bank cannot obtain this information because it is illegal to check the credit of job applicants.
B) The bank should just ask friends and relatives of the applicants.
C) The bank should obtain the information through a third-party investigation.
D) The bank should contact a credit reporting agency without notifying the applicants that their credit is being checked.
E) The bank should contact a credit reporting agency and notify the applicants that their credit is being checked.