More and more Americans are reading their own credit report. Credit reports are (36) by lenders to decide how risky 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 (39) people with bad credit histories. They are (40) higher interest rates and other loan costs.
Some Americans want to read their credit report to know if they have been a (41) of identity theft. They can see if any loans or credit cards have been (42) in their name with stolen personal information.
Another reason is that (43) reports are not always correct. They might contain wrong information or old information. One change, in 2001, permits people to see their FICO score. FICO is short for the Fair Isaac Corporation, (44)
Fair Isaac says many lenders not just in the United States but mound 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 improve credit scores.
【参考答案】
People with high scores can expect lower interest rates for ......