Which 3 C's corresponds to the inquiry: "Have you used credit before?"

The correct answer, character, is related to a borrower's trustworthiness and reliability in repaying debts. When assessing an individual's previous use of credit, lenders often look at the borrower's character to determine if they have a history of making payments on time and managing their credit responsibly. A positive credit history reflects strong character traits, such as responsibility and integrity, which are critical factors in the lending decision process.

In this context, capital refers to the borrower's assets or wealth, which is not directly related to past credit usage. Capacity is concerned with the individual's current ability to repay debts based on their income and existing financial obligations, but it does not specifically address the history of credit usage. Consistency, while important in other contexts, does not directly correlate to a person's previous credit experience. Thus, character is the key concept here, as it highlights the relationship between an individual's past interactions with credit and their perceived reliability as a borrower.