List and describe two (2) key similarities between a home equity line of credit and a mortgage. List and describe two (2) key differences between a home equity line of credit and a mortgage. Note: consider using a table to show your comparisons. PART (b) 4 marks a. Who determines your credit score? (1 mark) b. List and discuss 3 criteria that are used to determine an individual's credit score. (3 Marks)