首页
登录
职称英语
【B1】 [br] 【B5】 [originaltext] More and more Americans are reading their own cr
【B1】 [br] 【B5】 [originaltext] More and more Americans are reading their own cr
游客
2023-07-14
46
管理
问题
【B1】 [br] 【B5】
More and more Americans are reading their own credit report. Credit reports are issued 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 current loans and credit-card debt It records late payments of bills and any unpaid loans. It all adds up to a credit history. These days, though, lenders often welcome people with bad credit histories. They are charged higher interest rates and other loan costs.
Some Americans want to read their credit report to know if they have been a victim of identity theft. They can see if any loans or credit cards have been opened in their name with stolen personal information.
Another reason is that credit reports are not always correct. They might contain wrong information or old’ information.
Before 1971, Americans could not see any of this information. One change, in 2001, permits people to see their FICO score. FICO is short for the Fair Isaac Corporation. That company developed a way to represent credit risk with a number. The number is based on information gathered by credit reporting agencies.
Fair Isaac says many lenders not just in the United States but around the world use its technology to create credit scores. But lenders are not the only ones interested in these numbers. As of May, the company says it sold ten million credit scores to individuals.
People with high scores can expect lower interest rates for loans. The idea is that the higher the score, the lower the risk. Paying bills on time and paying off credit-card debt improves credit scores.
选项
答案
victim
解析
转载请注明原文地址:https://tihaiku.com/zcyy/2836746.html
相关试题推荐
[originaltext]Inalleconomicsystemstoday,mostbusinessesofanysizere
[originaltext]Atnoothertimeinrecenthistoryhasitbeeneasierorchea
[originaltext]W:Hi,John.YourroommatetoldmethatIcouldfindyouintheT
[originaltext]W:Hi,John.YourroommatetoldmethatIcouldfindyouintheT
[originaltext]W:Hi,John.YourroommatetoldmethatIcouldfindyouintheT
[originaltext]Goodmorning,I’mMichael,housingdirectorhereattheunive
[originaltext]Goodmorning,I’mMichael,housingdirectorhereattheunive
[originaltext]Goodmorning,I’mMichael,housingdirectorhereattheunive
[originaltext]M:Goodmorning,doctor.Ifeelterrible.I’vegotacoldandIh
[originaltext]M:Goodmorning,doctor.Ifeelterrible.I’vegotacoldandIh
随机试题
[img]2014m3s/ct_etoefm_etoefspeaka_0174_20138[/img][originaltext]Somepeopleli
GlobalwarmingcouldactuallychilldownNorthAmericawithinjustafewdec
[originaltext]W:Let’sdosomething!Whydon’twegooutfordinnerorgodanci
Manyparentsmaythinkthateachnewsibling(兄弟姐妹)offerstheirchildrenthe
[originaltext]Somecolorsthatpeopleseelateatnightcouldcausesignso
《圆的一般方程》 一、面试考题 试讲题目 1.题目:圆的一般方程 2.内
运用折现现金流量法评估矿业权价值时,下列项目不属于现金流入项目的是()。A.销售
组织结构模式反映了一个组织系统中各子系统之间或各元素(各工作部门)之间的( )
A.汽车接收到第一次信号时,距测速仪170m B.汽车接收到第一次信号时,距测
在计算无套利区间时,上限应由期货的理论价格加上期货和现货的交易成本和冲击成本得到
最新回复
(
0
)