You own a credit bureau. You're trying to decide which person is the better credit risk. Which statement would you choose as the best credit risk?
A) "I have a stable job with a consistent income and have never missed a loan payment."
B) "I frequently change jobs and have a history of late payments on my loans."
C) "I have several credit cards with high balances, and I'm considering opening more."
D) "I often forget to pay my bills on time, but I have a good reason for it."