$4)$ Anna loves her grandmother and visits her every Sunday. Her grandmother lived a difficult life in her war$-$torn country before immigrating to Canada. To this day, her grandmother hides all her money around the house and pays for everything in cash. Anna knows that her grandmother is cash$-$rich, but she could not understand how her grandmother had difficulty getting into a private nursing home. Which is the best response$($s$)$ below with regards to her grandmother$$s situation?

a$)$ No credit score

b$)$ No credit history

c$)$ No payment history

d$)$ Private nursing home is not able to determine creditworthiness

e$)$ All responses