Which statement about the value of a credit report to lenders and borrowers is NOT true?

aCredit reports tell borrowers their likelihood of getting a loan, and their likelihood of getting a good rate.

bCredit reports always tell borrowers and lenders whether a borrower will be able to repay a loan.

cCredit reports tell lenders the risk that a borrower will not repay a loan.

dCredit reports tell borrowers and lenders about the borrower’s past performance on loans.