首页
外语
计算机
考研
公务员
职业资格
财经
工程
司法
医学
专升本
自考
实用职业技能
登录
外语
Most people know that a lot is riding on their credit score, from the interest rates you pay on your loans, to your ability to r
Most people know that a lot is riding on their credit score, from the interest rates you pay on your loans, to your ability to r
admin
2015-08-26
33
问题
Most people know that a lot is riding on their credit score, from the interest rates you pay on your loans, to your ability to rent an apartment, buy a home or car, and even to find a job. Companies are increasingly using credit scores as an objective measure of not only your credit, but your credibility. But, there’s still a lot of confusion out there about credit scores and what they mean. Some people confuse a credit report with a credit score, when they are two different things. A credit report contains all the information in a person’s credit file maintained by a Credit Bureau. The data in a credit report is interpreted through a complex mathematical process to determine a credit score, which is a single number that commonly ranges from 300(terrible)to 850(perfect).
People also incorrectly assume that checking your credit score lowers it—this is partly true. When applying for a loan or another open line of credit, creditors check your score to see if you are a viable candidate. This can penalize you and impact your score. Inquires made by you are not shown to creditors and will not lower your score. In fact, it’s essential to know what your score is, because it can change at any time, and it impacts so many different areas of your life. Not paying your bills or making delinquent payments lowers your score and makes you undesirable to credit companies and advertisers. By consistently managing your score, you take the control back from creditors by knowing exactly how much you qualify for when it’s time to take out a loan or open a new line of credit.
Many companies have figured out ways to charge consumers for reporting on their credit scores. But, there is no reason to pay for this service as everyone has a right to this information, free of charge. That’s exactly what you’ll find with Credit Karma, a completely free service dedicated to empowering consumers to more actively manage their credit and financial health. They help you track your debt and finances by giving you instant access to your credit score, and finding you the best savings options for your credit cards, mortgage, auto loans, and more.
You can log into your account as often as you like to quickly and easily track your credit score, credit attributes, and debt from a single source. They also believe in protecting privacy by allowing you to control who receives your financial data. Credit Karma never shares your information without your explicit consent. Their free interactive tools and simulators help you learn how to anticipate changes in your credit score. You can also compare your credit report to others and see how the various items on your credit report can affect your overall credit score.
Another component that makes Credit Karma special(besides the fact they are 100 percent free)is the exclusive offers you gain access to from companies that value your credit worthiness. Their system finds and displays personalized offers from third party advertisers based on your credit profile. Credit Karma never discloses user information unless you respond to an offer. While some offers are ongoing, others will come and go quickly based on demand.
What can be learned from the passage?
选项
A、Credit Karma is one of the agencies that keep people’s credit reports.
B、Each credit-related decision people make links to their credit scores.
C、Credit companies show favor towards users of Credit Karma.
D、The lower a person’s credit score is, the harder for him to have access to it.
答案
B
解析
推断题。文章第一段第五、六句指出,credit report中包含着人们所有的信用记录,而信用评分是依据信用记录计算得出的,第四段最后一句也说,人们可以大致判断信用记录中的各项对总体信用评分的影响,由此可知,只要是人们做出了与信用相关的决定,都会记入信用记录,从而影响信用评分,故[B]为答案。
转载请注明原文地址:https://kaotiyun.com/show/H5XK777K
0
专业英语四级
相关试题推荐
Navigationcomputers,nowsoldbymostcarmakers,cost$2000andup.Nosurprise,then,thattheyaremostoftenfoundinluxur
Nowadays,mostcollegesanduniversitiesencouragestudentsto
Accordingtothenews,whathashappenedlastautumn?
Pageants(露天演出)areusuallyconceivedonafairlylargescale,oftenundertheauspicesofsomelocalorcivicauthorityorata
Ireallyappreciate______metogetoutofthetroublesthatIranintorecentlybutfoundithardtohandle.
ManypeopleinvestinthestockmarkethopingtofindthenextMicrosoftandDell.However,Iknow【C1】______personalexperie
Joansaidshe______thattherewassomethingwrongwiththemachine.
Susanisnotveryclever,butsheisthemost______pupilintheschool.
JameshasJustarrived,butIdidn’tknowhe______untilyesterday.
[A]covering[I]little[B]clear[J]fog[C]slowly[K]immediately[D]walking[L]named[E]trucks[M]outskirts[F]surr
随机试题
设计2套一周午餐带量食谱1.内容及要求(1)设计1套12~15岁学生营养午餐一周带量食谱;设计l套城市中等体力劳动者一周午餐带量食谱。(2)准确书写各类菜肴的1人食用量。(3)准确书写汤、粥的1人食用量。(
A.动作电位去极相有超射现象B.复极时间长于去极时间C.有复极2期平台期D.有明显的4期自动去极化窦房结细胞动作电位的主要特点是
关于ALI/ARDS,糖皮质激素治疗有确切疗效,下列描述正确的是
下列哪一项因素不属于心理刺激
资产评估中的限制性资产评估和完全资产评估是以( )为标准划分的。
作业的合并一般需要遵循的原则中不包括()。
对体育过程结构的认识,经历了有运动教学的单一结构观到体育过程的三阶段结构观的过程,即体育过程包括体育教学、__________、__________三个阶段。
“善泳者溺,善骑者堕,各以其所好反自为祸”古人这句话给我们的哲学启示是()。
阅读下列材料,回答问题。 某一培训机构开发出一种独特的记忆术,他们认为使用这种记忆术会大大提高记忆成绩。在一项实验中,他们随机选取了三组成人被试,一组要求他们利用简单复述的方式记忆一张词表(机械识记组),第二组要求他们可以充分发挥想象识记词表(意义识
求1~100的和,可写成for(s=0,i=1;【】;i++)s+=i;的形式。
最新回复
(
0
)