More and more Americans are reading their own credit report. Credit reports are (36) by lenders to decide how rrisky it would be to offer a loan or credit to an individual.
The report holds information about a person’s (37) loans and credit-card debt. It records late (38) of bills and any unpaid loans. It all adds up to a credit history. These days, though, lenders often welcome people with bad credit histories. They are (39) higher interest rates and other loan costs.
Some Americans want to read their credit report to know if they have been a (40) of identity theft. They can see if any loans or credit cards have been (41) in their name with stolen personal information.
Another reason is that credit reports are not always correct. They might (42) wrong information or old information.
Before 1971, Americans could not see any of this information. One change, in 2001, permits people to see their FICO score. FICO is short for the Fair Isaac (43) . (44)
Fair Isaac says many lenders not just in the United States but around the world use its technology to create credit scores. (45) . As of May, the company says it sold ten million credit scores to individuals.
(46)
Paying bills on time and paying off credit-card debt improves credit scores.

All apes are covered with brown, reddish-brown, or black hair everywhere on their bodies except their faces, feet, and hands. Their hands each have four fingers and a thumb that helps them grip things the way our thumbs help us. But they also have a thumb on each foot instead of a big toe. Thus they can hold things with their feet also. Having short, weak legs, apes do not walk on the ground very much. However, their arms are very strong. This enables them to swing from branches and travel very quickly from tree to tree.
These animals live in small family groups that move from place to place in search of vegetables and fruits. They also eat eggs, small animals, nuts, and insects. When they are tired, they build nests in the trees. But they rarely sleep there for more than a night or two. Than they move on to look for more food.
There are some differences among the following three kinds of apes. The gibbon is never more than three feet high and weighs only about fourteen pounds. The gorilla grows to be six feet tall and weighs up to 600 pounds. The orangutan is smaller than the gorilla. It stands three to five feet tall and weighs up to 200 pounds.
Chimpanzees are the smartest of all apes. They can be taught to sit at a table and eat, to dress themselves, and to do things that human children can do.