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# If Ted had not made the monthly payment, the credit bureau

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Director
Joined: 05 May 2004
Posts: 577
Location: San Jose, CA
Followers: 2

Kudos [?]: 35 [0], given: 0

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0% (00:00) correct 0% (00:00) wrong based on 0 sessions
If Ted had not made the monthly payment, the credit bureau might have downgraded his credit rating.

A) had not made the monthly payment, the credit bureau might have

C) should not have made the monthly payment, the credit bureau would have

D) did not make the monthly payment, the credit bureau might have

E) is not making the monthly payment, the credit bureau will have
Manager
Joined: 05 Sep 2004
Posts: 97
Followers: 1

Kudos [?]: 3 [0], given: 0

Alternatively, you could use: if did not make, then might downgrade.
GMAT Club Legend
Joined: 15 Dec 2003
Posts: 4313
Followers: 27

Kudos [?]: 217 [0], given: 0

Agree with A
Just to add: past perfect is good because if you look at the part which is not underlined, you see "downgraded" which is simple past. Past perfect "had not made" ensures that this is something which would have happened before the downgrade
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Best Regards,

Paul

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