During an affordability assessment, a credit provider must obtain a copy of the consumer's credit report and take his/her debt repayment history into account. Select the most correct option applicable to an unsecured credit transaction. a. The credit report should not be older than seven business days from the date of application for credit. b. The credit report should not be older than seven business days from the date of the initial approval of the credit. c. The credit report should not be older than fourteen business days from the date of the initial approval of the credit. d. The credit report should not be older than fourteen business days from the date of the application for credit