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
2024-09-23
12
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] Which of the following does NOT affect a person’s credit score?
选项
A、Applying for a credit card.
B、Missing the deadline of payment.
C、Not paying the telephone bill.
D、Checking your own credit records.
答案
D
解析
细节题。由题干中的affect和credit score定位至第二段。该段第四句明确指出“Inquires madeby you are not shown to creditors and will not lower your score.”由此可知,自己查询自己的信用情况不会对信用评分造成影响,故[D]为答案。
转载请注明原文地址:https://tihaiku.com/zcyy/3770437.html
相关试题推荐
Mostpeopleknowthatalotisridingontheircreditscore,fromtheintere
Mostpeopleknowthatalotisridingontheircreditscore,fromtheintere
Mostpeopleknowthatalotisridingontheircreditscore,fromtheintere
Alladsaimtobe______,buttheycanstirupinterestandcuriosityinvarious
Accordingtotheauthor,peopletendto______.[br][originaltext]Theways
Accordingtotheauthor,peopletendto______.[originaltext]Thewaysofbeh
MostpeopleknowtwothingsaboutCorsica;Napoleonwasbornhereanditwas
MostpeopleknowtwothingsaboutCorsica;Napoleonwasbornhereanditwas
Whatmakespeopleshuntherelativesecurityoffull-timeemploymentandsta
Whatmakespeopleshuntherelativesecurityoffull-timeemploymentandsta
随机试题
Theageatwhichkidsfirstfallvictimtobullying(欺侮)couldinfluencehows
【教学过程】 环节一:导入新课 教师利用多媒体播放《中国诗词大会》宣传片。 提问学生:宋代是词的时代,元代是曲的时代,那么宋词、元曲究竟是如何兴盛起
下列CD标志可作为NK细胞的表面标志物的是A.CD2 B.CD16 C.CD
引气剂导致混凝土含气量提高,混凝土有效受力面积减小,混凝土强度下降,所以引气剂的
增加击实功,可提高土的最大干密度,但增加是有限度的,超过这一限度,即使增加击实功
健康教育的评价注重于A.信息传播 B.健康的提高程度 C.信息反馈 D.行
A.药物研制情况B.原始资料C.临床试验情况及原始资料D.药物研制情况及原始资料
下列关于扑救一起火灾灭火所需的消防用水设计流量的说法中,正确的是()。A.当消
实施人才战略提升国际竞争力 改革开放30年,我国经济增长
根据以下材料,回答题 一般资料:求助者,女性,23岁,某公司职工。 案例介绍
最新回复
(
0
)