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
29
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
HowmanyLebanesesoldiersdiedinthepasttwodays?[br][originaltext]S
______consciousofmymoralobligationsasacitizen.A、Iwasandalwayswillbe
下列商品中,价格之间有互补关系的有()。A、菜籽油、棕榈油和豆油B、汽车和汽油C、床屉和床垫D、眼镜架和镜片B,C,D菜籽油、棕榈油和豆油是替代
简述赫尔巴特的教育心理学化思想。
(2016年真题)股票基金面临较其他类型基金更高的投资风险,主要是()。A
WhataremychancesofpromotionifIst
2009年1-4月我国完成城镇固定资产投资为37082.30亿元,比去年同期增
作为虚拟资本的有价证券,本身无价值,其交换价值或市场价格来源于其产生未来收益的能
非结算会员的结算准备金余额小于零并未能在约定时间内补足的,全面结算会员期货公司应
依据《河道管理条例》,城镇建设和发展不得占用( )。A.河道 B.河道滩地
最新回复
(
0
)