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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  52
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] 【B5】
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