If you are an American and you think you might need to borrow money someday, the best thing to do is start early.
Thats because just at many employers want to hire only people with experience, banks and other creditors are usually reluctant to lend to those ____1____ a proven track record1 paying back, ____2____ time, the money they have borrowed.
But if you need experience just to get a start, how do you get that stat in the first place?
With a little help from your parents usually, while you are still financially dependent ___3___ them. It is easy to get a credit card or student loan when you are in college, because banks figure your parents will bail you out if you fail to pay.
So just as students take on interships to build up their resumes, ones university time can be a good time to work on another important personal record: the credit ______4___.
Credit reports are a ______5____ of ones personal credit history, gathered by a credit reporting agency, or CRA.
Banks and companies_____6____ hospitals, landlords and insurance companiesregularly report to the three main CRAs in the US _____7____ how their customers are doing at paying back the money they _____8____.
Anyone with a legitimate business need has the right to order individuals reports from the CRAs. Potential creditors usually compile the information in the reports into a credit score, ranking the level of creditworthiness. Lack of experience in borrowing in _____9____ to a bad record of doing so, can result in a low score2.
Even if you are not considering taking out a loan for such a large purchase as a home or car, your credit report can be important to getting through life. Landlords often ask for the reports to judge _____10___ a person can be trusted to pay the rent. Credit checks are necessary for getting a credit card, even for purchasing a mobile phone calling plan.
People can obtain a copy of their own credit report, usually _____11____ a cost of around US$8-9. Some consumer organizations recommend doing this once a year to allow one to catch any mistakes ______12____ have slipped into the record or, even worse, to find out whether any fraud has taken place. Though the system is controlled by laws ______13_____ to protect peoples privacy, it isnt fool-proof: Sometimes people take out bad loans in others names, ______14_____ their records.
In a society addicted _____15____ credit, that can be a disaster.
1. A. with B. without C. on D. by
2. A. in B. with C. by D.on
3. A. of B. in C. on D. with
4. A. report B. conclusion C. review D. introduction
5. A. explanation B. investigation C. summary D. examination
6. A. including B. included C. include D. includes
7. A. by B. with C. in D. on
8. A. own B. lend C. owe D. possess
9. A. addition B. conclusion C. consequence D. contrast
10. A. that B. whether C. what D. either
11. A. at B. by C. with D. on
12. A. these B. what C. that D. those
13. A. meant B. mean C. meaning D. means
14. A. building up B. updating C. improving D. ruining
15. A. on B. to C. by D. with
国内英语资讯:Railway trips surge in China as Spring Festival is coming
国际英语资讯:Mass rally over Macedonia name deal in Greek capital marred by clashes
国际英语资讯:Nepali, Chinese entrepreneurs discuss promotion of Chinese investment in Nepal
比伯婚礼或将在3月举办?
国内英语资讯:Palace Museum tells Chinese children stories about Twenty-Four Solar Terms
国内英语资讯:Beijing to implement regulations for protection of intangible cultural heritage
国际英语资讯:Britain to open ASEAN representative office in Indonesia
国内英语资讯:Hainan to handle 6.3 million air passengers during festival travel season
体坛英语资讯:Yearender: Top 10 world athletes in 2018
国内英语资讯:China moves to improve medical care for children
国内英语资讯:Overseas Chinese in San Francisco Bay area hailed for building strong China-U.S. relations
国际英语资讯:Pompeo, Turkish FM discuss Syria issue over phone
体坛英语资讯:Our aim is FIFA World Cup final: Chinese ace striker Wang Shanshan
体坛英语资讯:Hulk reveals Palmeiras wish
国内英语资讯:Railways expect more passengers as Spring Festival holiday nears
体坛英语资讯:Messis Argentina return depends on coach, says AFA head
体坛英语资讯:Coach Solskjaer ready to be back at Old Trafford
国际英语资讯:7 dead, 33 injured after Cuba bus overturns
国内英语资讯:Xi urges major risk prevention to ensure healthy economy, social stability
国内英语资讯:Premier Li seeks opinions, suggestions for draft report of government work
体坛英语资讯:Chinese juniors perform traditional dance at U.S. basketball court
体坛英语资讯:Currys 34 points cruise Warriors past Suns
特朗普、德普提名金酸梅奖!共同角逐“最差演员”
体坛英语资讯:Preview: Traditional heavyweights seek to regain Asian Cup glory
国内英语资讯:Top legislator stresses significance of NPC annual meeting
国内英语资讯:China Focus: A healthier Shanghai economy a bliss to the world
国内英语资讯:Top political advisor stresses implementing policies on private sector development
国际英语资讯:Migrants, refugees in Europe vulnerable to diseases: WHO
体坛英语资讯:Augsburg lose 3-2 to Wolfsburg in German Bundesliga
体坛英语资讯:Paraguay to meet Peru, Mexico in friendlies