Making Yourself a Good Record
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
详解雅思听力信息表填空题
雅思听力场景词汇:全球地名篇
雅思写作8分范文:人生的烦恼
雅思听力关键信息抓取技巧
雅思听力技巧与注意事项分析
雅思听力高分备考攻略三步走
雅思听力六大陷阱需提高注意
雅思听力场景分析:预约医生
雅思听力必知的13条重要细节
雅思听力地图题的解题技巧
雅思听力场景分析:租房篇
浅谈雅思听力语篇的衔接手段
雅思听力的关键:数字
雅思听力的35个高频词汇
雅思听力题型的分析和审题
雅思听力考试中的三大失分点
冲刺阶段的雅思听力备考建议
雅思听力场景词汇:饮料篇
雅思听力备考全面辅导
雅思听力场景解析:环保场景
雅思听力中的数学符号缩写词
雅思听力规律全面总结
雅思听力必备核心词汇60个
雅思听力题干生词的处理办法
雅思听力场景分析:旅游场景
雅思听力考试中的同义置换
雅思听力必备20个高频短语
纠正雅思发音及提高听力的方法
雅思听力Section4常见题型解析
雅思听力搭配题的解题方法
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