填空题

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 arc 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 scare. FICO is short far 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.