首页
登录
职称英语
【B1】 [br] 【B3】 [originaltext] More and more Americans are reading their own cr
【B1】 [br] 【B3】 [originaltext] More and more Americans are reading their own cr
游客
2024-02-15
35
管理
问题
【B1】 [br] 【B3】
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
payments
解析
转载请注明原文地址:https://tihaiku.com/zcyy/3453010.html
相关试题推荐
[originaltext]Theworld’sfirsttotallyautomaticrailwayhasbeenbuiltun
[originaltext]Theworld’sfirsttotallyautomaticrailwayhasbeenbuiltun
[originaltext]Theworld’sfirsttotallyautomaticrailwayhasbeenbuiltun
[originaltext]Formanyyears,T-shinsweresimpleshort-sleevedundershirts
[originaltext]Silenceisunnaturaltoman.Hebeginslifewithacryanden
[originaltext]Silenceisunnaturaltoman.Hebeginslifewithacryanden
[originaltext]W:ThisisMrs.Jones.Theremustbesomethingwrongwithmyair-
[originaltext]W:Hi,Jack!Whatissointeresting?M:Hi,Jane.I’mthinkingab
[originaltext]W:Hi,Jack!Whatissointeresting?M:Hi,Jane.I’mthinkingab
[originaltext]W:Hi,Jack!Whatissointeresting?M:Hi,Jane.I’mthinkingab
随机试题
ReadthearticlebelowaboutMarcHooper,CEOoftheconfectionerygroupSpa
Protestsattheuseofanimalsinresearchhavetakenanewandfearfulcharacte
[originaltext]M:DoyouhaveclassesonWednesday,Liza?W:No,Idon’t.Anysu
[originaltext]SinceIstartedworkingpart-timeatagrocerystore,Ihave
IPv6地址的格式前缀用于表达地址类型或子网地址,例如60位地址12AB
在下列机器数_____中,零的表示形式是唯一的。A.原码 B.补码 C.反
应暂缓结婚的是A.可以矫正的生殖器畸形 B.先天性成骨不全 C.血友病 D
招标文件的发售期不得少于()日A、3 B、5 C、7 D、14
某地区三种农副产品的收购资料如表7—2所示。 反映收购量与收购价格
境内上市公司所属企业到境外上市,上市公司应当在下述事件发生后次日履行信息披露义
最新回复
(
0
)