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  3. More and more Americans are reading their own credit report. Credit reports

More and more Americans are reading their own credit report. Credit reports

游客2023-07-15  51
问题     More and more Americans are reading their own credit report. Credit reports are 【B1】______by lenders to decide how risky it would be to offer a loan or credit to an individual.
    The report holds information about a person’s【B2】______loans and credit-card debt. It records late【B3】______of bills and any unpaid loans. It all adds up to a credit history. These days, though, lenders often【B4】______people with bad credit histories. They are【B5】______higher interest rates and other loan costs.
    Some Americans want to read their credit report to know if they have been a 【B6】______of identity theft. They can see if any loans or credit cards have been 【B7】______in their name with stolen personal information.
    Another reason is that credit reports are not always correct. They might【B8】______wrong information or old information. One change, in 2001, permits people to see their FICO score. FICO is short for the Fair Isaac Corporation. 【B9】______. Fair Isaac says many lenders not just in the United States but around the world use its technology to create credit scores.【B10】______. As of May, the company says it sold ten million credit scores to individuals.【B11】______. Paying bills on time and paying off credit-card debt improve credit scores. [br] 【B11】
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答案 People with high scores can expect lower interest rates for loans because the higher the score, the lower the risk
解析 People with high scores can expect lower interest rates for loans since the higher the score, the lower the risk
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