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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．
It can be inferred that the potential lenders ________ ．
选项 A、will probably loan money to bad-credit people as they still have open accounts
B、will probably loan money to no-credit people as they haven’t made any financial mistakes
C、won’t risk loaning money or extendingcredit to no-credit person or bad-credit person
D、none of above
答案C
解析 根据题干中的the potentiallenders定位到文章第三段：They likely won’t risk loaningmoney or extending credit to those whose creditworthiness isa big question mark or，worse，who have a track recold ofpoor money management．即“他们可能不会冒险给那些信誉度不明，甚至财务管理记录不佳的人借钱或发放信用贷款”。紧接着第四段就提到了如果你属于这两类中的任何一类，集中精力提高你的信用分数是明智的。换言之，下文提到的两类人属于信誉度有问题的人。A项对应原文倒数第三段最后一句话If you still have open accounts，paydown the balances but don’t close credit accounts if you canavoid it．即“如果你仍有开户账户，请把余额付清。并不要关闭信用账户”，其并没有体现potential lenders会向他们贷款，故不选。
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