have you checked your credit in the last year? (and if not, why not?) yes. no, because i dont need to. no…

have you checked your credit in the last year? (and if not, why not?) yes. no, because i dont need to. no, because its too expensive. no, because i dont know how to.
Answer
Brief Explanations:
This is a multiple - choice question about personal credit - checking behavior. The options represent different responses to the query of whether one has checked their credit in the last year and the reasons if not.
Answer:
Yes. No, because I don't need to. No, because it's too expensive. No, because I don't know how to.