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As a credit manager, it is important to be involved in the customer acceptance process. After all, accepting new customers involves many risks. By choosing a strategy in which you preventively determine the creditworthiness of potential customers and continue to monitor them, you build up a high-quality customer portfolio. By combining your own company data with external data, you collect enough valuable information about the creditworthiness of a customer. But what actions should you take when mapping risks? In this paper we describe how, by using mixed data, you can minimize credit risk.