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  3. More and more Americans are reading their own credit report. Credit reports are

More and more Americans are reading their own credit report. Credit reports are

游客2024-03-03  29
问题 More and more Americans are reading their own credit report. Credit reports are 【B1】______ by lenders to decide how rrisky 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 welcome people with bad credit histories. They are 【B4】______ higher interest rates and other loan costs.
    Some Americans want to read their credit report to know if they have been a 【B5】______ of identity theft. They can see if any loans or credit cards have been 【B6】______ in their name with stolen personal information.
    Another reason is that credit reports are not always correct. They might 【B7】______ 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 【B8】______ . 【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 improves credit scores. [br] 【B8】
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