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In the context of the credit model, the appropriate activity used for default clients is:
**b. Backtesting**
**Backtesting** is a method used to evaluate the performance and accuracy of a credit model by comparing its predictions against actual historical data. For default clients, backtesting helps to assess how well the model predicted defaults and whether it needs adjustments to improve its predictive power. This process is crucial for validating the effectiveness of credit risk models.