When a Sally assesses the external competitive environment facing her firm, she labels anything that would make it harder for her firm to be successful as a(n)

threats

Explanation:

In a scenerio When a Sally assesses the external competitive environment facing her firm, she labels anything that would make it harder for her firm to be successful as threat. Threat are any activity that lowers the development of a firm or that doesnt allow bit to thrive in the market and the is usually as a result of competitive environment .

Competitive environment can be regarded as system in which different businesses makes competition among themselves with the utilization of various promotional strategies,

marketing channels as well as pricing methods.

credit history is used by lenders to determine whether you are a 'risky' person to give their money to.

having a short history provide very little data for the lenders. they wouldn't be able to determine your credit behavior from such a small samples. even if they are perfect.

having long credit history with few blemishes provide larger and more accurate data for the lenders to predict your credit behavior.