Credit history a. Is a function of applying several times to several companies b. Is a function of not carrying debt c. Is the function of not using loans to buy things d. Is a function of accepting credit and using debt responstbly QUESTION 27 Proper use of credit and debit a. Is a personal and individual responsibility b. Is a mutual responsibility shared between borrower and lender c. Is regulated in Canada by provincial regulators d. Is the responsibility of lenders to ensure the borrower doesn't take on too much debt