首页
登录
职称英语
Most people know that a lot is riding on their credit score, from the intere
Most people know that a lot is riding on their credit score, from the intere
游客
2023-11-01
37
管理
问题
Most people know that a lot is riding on their credit score, from the interest rates you pay on your loans, to your ability to rent an apartment, buy a home or car, and even to find a job. Companies are increasingly using credit scores as an objective measure of not only your credit, but your credibility. But, there’s still a lot of confusion out there about credit scores and what they mean. Some people confuse a credit report with a credit score, when they are two different things. A credit report contains all the information in a person’s credit file maintained by a Credit Bureau. The data in a credit report is interpreted through a complex mathematical process to determine a credit score, which is a single number that commonly ranges from 300(terrible)to 850(perfect).
People also incorrectly assume that checking your credit score lowers it—this is partly true. When applying for a loan or another open line of credit, creditors check your score to see if you are a viable candidate. This can penalize you and impact your score. Inquires made by you are not shown to creditors and will not lower your score. In fact, it’s essential to know what your score is, because it can change at any time, and it impacts so many different areas of your life. Not paying your bills or making delinquent payments lowers your score and makes you undesirable to credit companies and advertisers. By consistently managing your score, you take the control back from creditors by knowing exactly how much you qualify for when it’s time to take out a loan or open a new line of credit.
Many companies have figured out ways to charge consumers for reporting on their credit scores. But, there is no reason to pay for this service as everyone has a right to this information, free of charge. That’s exactly what you’ll find with Credit Karma, a completely free service dedicated to empowering consumers to more actively manage their credit and financial health. They help you track your debt and finances by giving you instant access to your credit score, and finding you the best savings options for your credit cards, mortgage, auto loans, and more.
You can log into your account as often as you like to quickly and easily track your credit score, credit attributes, and debt from a single source. They also believe in protecting privacy by allowing you to control who receives your financial data. Credit Karma never shares your information without your explicit consent. Their free interactive tools and simulators help you learn how to anticipate changes in your credit score. You can also compare your credit report to others and see how the various items on your credit report can affect your overall credit score.
Another component that makes Credit Karma special(besides the fact they are 100 percent free)is the exclusive offers you gain access to from companies that value your credit worthiness. Their system finds and displays personalized offers from third party advertisers based on your credit profile. Credit Karma never discloses user information unless you respond to an offer. While some offers are ongoing, others will come and go quickly based on demand. [br] What is the difference between a credit report and a credit score?
选项
A、A credit report does not contain numbers.
B、A credit score is much more objective.
C、A credit report covers a person’s credit information.
D、A credit score is calculated by a Credit Bureau.
答案
C
解析
细节题。由题干中的difference,credit report和credit score定位至第一段第四至六句。该段第五句指出,信用报告中包含了信用机构中个人信用文件中的所有信息,也就是说,它覆盖了个人的信用信息,故[C]为答案。
转载请注明原文地址:https://tihaiku.com/zcyy/3150276.html
相关试题推荐
Upuntilthattime,hisinteresthadfocusedalmost______onfullymasteringth
Foralongtime,newspapershavebeenthechiefmeansbywhichpeoplegetth
Foralongtime,newspapershavebeenthechiefmeansbywhichpeoplegetth
Foralongtime,newspapershavebeenthechiefmeansbywhichpeoplegetth
Foralongtime,newspapershavebeenthechiefmeansbywhichpeoplegetth
Foralongtime,newspapershavebeenthechiefmeansbywhichpeoplegetth
Foralongtime,newspapershavebeenthechiefmeansbywhichpeoplegetth
Foralongtime,newspapershavebeenthechiefmeansbywhichpeoplegetth
Foralongtime,newspapershavebeenthechiefmeansbywhichpeoplegetth
Foralongtime,newspapershavebeenthechiefmeansbywhichpeoplegetth
随机试题
NewresearchshowsthatcleanersaresomeofthehappiestworkersinBritain
WelcometotheChineseConsulate-GeneralinMelbourneforthe"ChineseCulture
下列在X线片上不能够辨认的是:A.骨膜 B.骨松质 C.骨皮质 D.骨性关
在日常生活活动训练中,将复杂的动作分解,让患者记住每一活动的各个步骤,以指导动作
患者,男,56岁。类风湿性关节炎10年,出现关节肿大,僵硬冷痛,畏寒,四肢厥冷,
对于药物有效期的概念叙述正确的是A、药物的含量降解为原含量的50%所需要的时间
“医乃至精至微之事”所蕴含的医疗卫生职业的内在要求是()A.严谨求实,精益
以下不属于人力资源特点的是()。A:时间性 B:主观能动性 C:消费性
涉及核苷酸数目变化的DNA损伤形式是A.DNA(单链)断链 B.链间交联
出口货物的申报期限为货物运抵海关监管区()、装货的24小时()。 A.前;
最新回复
(
0
)