Managing your credit score is important because: I. A good credit score often allows a borrower to get a lower interest rate. II. Insurance companies often use credit scores in their determination of the premium. III. Landlords may use an applicant's credit score to make the decision to rent or not. IV. It's not important because we shouldn't borrow money. I., II., III., and IV. I., II, and III. IV. Only II. and III. Only