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
2023-11-03
38
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/3155868.html
相关试题推荐
Somepeoplebelievethatinternationalsportcreatesgoodwillbetweenthena
Somepeoplebelievethatinternationalsportcreatesgoodwillbetweenthena
InAmerica,olderpeoplerarelylivewiththeiradultchildren.Butinmany
InAmerica,olderpeoplerarelylivewiththeiradultchildren.Butinmany
InAmerica,olderpeoplerarelylivewiththeiradultchildren.Butinmany
InAmerica,olderpeoplerarelylivewiththeiradultchildren.Butinmany
InAmerica,olderpeoplerarelylivewiththeiradultchildren.Butinmany
InAmerica,olderpeoplerarelylivewiththeiradultchildren.Butinmany
InAmerica,olderpeoplerarelylivewiththeiradultchildren.Butinmany
InAmerica,olderpeoplerarelylivewiththeiradultchildren.Butinmany
随机试题
ThinkorSwim:CanWeHoldBacktheOceans?[A]Astheworldget
“九鼎既成,迁于三国。夏后氏失之,殷人受之;殷人失之,周人受之。”其中所说的“九
以下哪些是尤金·奥尼尔的代表作()。A.《毛猿》 B.《天边外》 C.《悲悼
某技术方案投资现金流量的数据如下表示,用该技术方案的静态投资的收益为( )年。(
HBV是A.逆转录病毒B.RNA病毒C.呼吸道病毒D.DNA病毒E.肿瘤病毒
某物业服务企业项目经理工作日志如下。请仔细阅读,并回答问题: 1月5日晴 近
某工程双代号网络计划中,工作M的最早开始时间为第6天,其持续时间为5天,其紧后工
某居民企业于2008年5月注册成立进行生产经营,2019年度生产经营情况如下:
根据《合同法》,下列各类合同中属于无效合同的有()。A:恶意串通损害第三人利益的
杀虫
最新回复
(
0
)