Cindy's customer, Tom, purposely does not tell her that he just co-signed his nephew's auto loan. The credit report shows neither that loan nor a credit inquiry, and so that debt is not considered when the lender preapproves him for a larger mortgage than he should have. Did Cindy do anything wrong? Question 11 Select one: a. No, she can't be held responsible if a client withholds information that does not show on Tom's credit report. b. Yes, she colluded with Tom to withhold material information. c. Yes, she committed actual fraud by approving a purposely false application. d. Yes, she committed constructive fraud by not confirming Tom's debts