首页
登录
职称英语
【B1】 [br] 【B4】 [originaltext] More and more Americans are reading their own cr
【B1】 [br] 【B4】 [originaltext] More and more Americans are reading their own cr
游客
2024-02-15
41
管理
问题
【B1】 [br] 【B4】
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
charged
解析
转载请注明原文地址:https://tihaiku.com/zcyy/3453011.html
相关试题推荐
[originaltext]Theworld’sfirsttotallyautomaticrailwayhasbeenbuiltun
[originaltext]Formanyyears,T-shinsweresimpleshort-sleevedundershirts
[originaltext]Formanyyears,T-shinsweresimpleshort-sleevedundershirts
[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
Husband:Youaren’tgoingoutdressedlikethat,areyou?Wife:______Ithought
Democracyisnotanewconception.TheancientAthenians【M1】______hadademocr
Researchersknowtherearemanydrugsthatcanalterourbodilyprocessesin
下列关于千枚岩描述正确的有( )。A.介于板岩与片岩之间 B.多由黏土质岩石变
下列与建设项目内部审计的要求不相符的是()。A:内部审计应独立、客观地审查和评
房地产经纪人知识结构的核心是()。A.房地产经纪专业知识 B.房地产相关知识
2020年,我国粮食种植面积11677万公顷,比上年增加70万公顷。其中,稻谷种
向原电池的负极中加入NaCl,则原电池电动势的变化是:A.变大 B.变小 C
(2018年真题)近年来国内洗涤品生产企业面临日益沉重的竞争压力;国外著名洗涤品
在计算施工预拱度时,应考虑的因素有()。A.模板支架承受施工荷载引起的弹性变形
最新回复
(
0
)