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
国际英语资讯:Kenya records highest daily spike in COVID-19 cases as tally passes 15,000
来华乘客将凭检测登机
国际英语资讯:U.S. aggressive attitude to China threatens world peace: scholars
体坛英语资讯:Peru coach Gareca says football in need of quick return
体坛英语资讯:Chinese snooker player Liang Wenbo reaches last 16 at Championship League
国际英语资讯:Update: China denounces U.S. request to close Houston consulate
德国将举办“防疫实验”音乐会 研究新冠病毒聚集性传播
体坛英语资讯:All footballers in North Macedonia to be tested for COVID-19 ahead of restart
国内英语资讯:Xi Focus: Xi stresses further revitalizing northeast China
体坛英语资讯:Analysis: Timo Werner on the move to Chelsea
国际英语资讯:Turkey reports 913 new COVID-19 cases, 223,315 in total
体坛英语资讯:IOC staff to return to office from June 8
国际英语资讯:Spotlight: Hollywood insiders weigh in on future of U.S.-China co-productions
复课后如何保证学生安全?世界各国的学校想出了各种奇招!
国际英语资讯:U.S., Russia to hold talks on arms control, space security in Vienna
国际英语资讯:Trump calls off Florida events of GOP convention over coronavirus outbreak
体坛英语资讯:Sao Paulo in no rush to sell Real Madrid target Gomes
迪士尼乐园公开招牌苹果派的制作方法
国内英语资讯:Spotlight: Chinas first Mars mission attracts global attention
女艺人曝光公司会议录音,“PUA”再上热搜
体坛英语资讯:Chinese snooker player Chen Feilong ousted from Championship League
CPC Founding Day 建党节
国际英语资讯:Spotlight: Over 150 U.S. experts urge decision makers to shut down country before starting o
美国斥资近20亿美元签上亿剂疫苗合同
山东女学生高考"被顶替"事件爆出
国际英语资讯:Feature: COVID-19 underscores role of prevention, key in ancient Greek & Chinese traditional
国内英语资讯:Xi inspects PLA aviation university ahead of Army Day
巴黎圣母院塔尖将按原样重建
每日一词∣人才强军 strengthen the military through talent cultivation
国际英语资讯:UK newspaper denounces arrest of journalists in U.S.
不限 |
英语教案 |
英语课件 |
英语试题 |
不限 |
不限 |
上册 |
下册 |
不限 |