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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2024-03-05  53
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 【B8】______ reports are not always correct. They might contain 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 mound 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.
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