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
做好奥运东道主——怎么招待外国人
玛丽亚凯莉带孕大秀59美元平价钻戒
谷歌街景拍到有人街头生孩子 旁边医院毫不知情
台湾女性不惧当“剩女”
NASA首次发现土星卫星中含有氧气
牛津字典收录微博词汇 网络用语受宠
双语:新加坡国旗印上短裤惹争议
诗词英译:沉醉东风-秋日湘阴道中
周杰伦与“台湾第一美女主播”亲昵..
北京奥运主题歌《我和你》传递温暖
英国全民打赌:谁为准王妃凯特做嫁衣
高价蓝光影碟超清晰画质纯属骗人?
今年圣诞不寂寞 “扁平爸爸”相作伴
20世纪最无聊一天:1954年4月11日
郎平率美国女排出征北京奥运
奥运双语八卦:中国羽坛的夫妻档
巴基斯坦女运动员:参加奥运就是梦想成真
北京奥运闭幕式:贝克汉姆“领衔”伦敦8分钟
捷克男主持效仿Lady Gaga穿鲜肉装
阿凡达发光树或成真 未来可代替路灯
台湾学生数学成绩全球排名第一
北京奥运村迎来首批“村民”
最新研究挑战传统:男生学理科未必有优势
美国人喜好调查:最爱披头士最恨慢车
加媒抱怨“亚洲学生太多” 亚裔表示强烈不满
漂亮妈妈多生女 美男渐成稀缺品
双语:《绝望主妇》第七季被爆有新主妇加入
走马观花看美国:芝加哥繁华下的另一面
纳达尔进入奥运状态
澳大利亚青年欲破世界最长说唱纪录
不限 |
英语教案 |
英语课件 |
英语试题 |
不限 |
不限 |
上册 |
下册 |
不限 |