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  3. No credit，bad credit：hear the terms often enough and they can blur together．These credit statuses aren’t one and the same，though

No credit，bad credit：hear the terms often enough and they can blur together．These credit statuses aren’t one and the same，though

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问题 No credit，bad credit：hear the terms often enough and they can blur together．These credit statuses aren’t one and the same，though．
    Whether you have no credit or bad credit，one thing’s for sure：You don’t have good credit．And without good credit，you’ll face an uphill battle anytime you apply for a loan or credit card．
  Potential lenders will want to know that you will almost certainly repay any money that you borrow．They likely won’t risk loaning money or extending credit to those whose creditworthiness is abig question mark or，worse，who have a track record of poor money management．
    If you fall into either of these categories，it’s smart to focus on raising your credit scores．
    If you have no credit score．you don’t have a credit history．If you have bad credit，it’s likely that you’ve mishandled credit in the past．And these two less-than-ideal credit standings require different solutions．
    If you fall in the no-credit category，you haven’t necessarily made any financial mistakes．In this case，a good way to start building that history is to acquire a credit card for people with no credit．Secured credit cards(which require a security deposit)or college student credit cards are typically the easiest to qualify for if you have no credit．A credit builder loan can also help you establish credit．
    Bad credit can be a result of financial missteps，including missing payments，defaulting on loans，or having accounts sent to collections．If you fall into this category and need credit，you’ll need to look for a bad-credit  credit card．A secured card or credit-builder loan is a good option in this situation，as well．You also may qualify for a bad credit personal loan．If you still have open accounts，pay down the balances but don’t close credit accounts if you can avoid it．
    People with no credit are just starting to build their financial reputation，while those with bad credit are doing damage control．
    Moving from one of these less desirable situations to a good credit standing may use different tools，but the method is much the same：Make your payments on time and keep your debt low．It takes diligence and dedication，but it can be done．
The solution(s)for bad-credit could be ________ .
选项 A、having accounts sent to collections
B、looking for a no-credit credit card
C、paying down the balance
D、closing your credit accounts
答案C
解析 根据题干bad-credit定位原文第七段。本段首先讲了一些不同的金融失误导致了不良信用，包括拖欠付款、贷款违约或将账户存入托收账户。接着谈到“如果你属于这一类，你需要寻找不良信用的信用卡。担保卡或信用建设者贷款也是一个不错的选择。你也有资格申请不良信贷个人贷款。如果你还有开户账户，请把余额付清，并不要关闭信用账户”。A项是信用差的可能原因，不是解决方式，故排除。B项“寻找无信用记录的信用卡”，与原文look for a bad-credit credit card相矛盾，故排除。C项“付清余额”与该段最后一句(pay down the balances)相符，故正确。D项关闭“信用账户”与原文but don’t close credit accounts矛盾，故排除。
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