Your credit score will plummet, making it more difficult to ..

更多“Your credit score will plummet, making it more difficult to buy a house or find a job.A．mu”相关的问题

第1题

Which of the following does NOT affect a persons credit score？A．Applying for a credit card

Which of the following does NOT affect a persons credit score？

A．Applying for a credit card.

B．Missing the deadline of payment.

C．Not paying the telephone bill.

D．Checking your own credit records.

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第2题

What does "vice versa" （Line 5, Para. 2) mean？A．The higher the score is, the better lookin

What does "vice versa" (Line 5, Para. 2) mean？

A．The higher the score is, the better looking your credit appears.

B．The lower the score is, the better looking your credit appears.

C．The lower the score is, the worse your credit appears.

D．The higher the score is, the worse your credit appears.

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第3题

根据下面内容，回答下列各题。 [A] We apply for credit for many reasons-maybe its to buy a ne

w car, house, computer, or get a student loan. However, that there is a special number that can determine whether you can do these things, or at least how much it will cost you. A credit score is a number that is calculated based on your credit history to give lenders a simpler "lend/dont lend" answer for people who are applying for credit or loans. This number helps the lender identify the level of risk they may be taking if they lend to someone. The credit score is quicker and less subjective. Its the credit score that makes it possible to get instant credit at places like electronics stores and department stores. [B] Although there are several scoring methods, the method most commonly used by lenders is known as a FICO because of its origins with Fair Isaac Corporation. Fair Isaac is an independent company that came up with the scoring method and software used by banks and lenders, insurers and other businesses. Each of the three major credit bureaus (Experian, Equifax and TransUnion) worked with Fair Isaac in the early 1980s to come up with the scoring method. [C] The three national credit bureaus each have their own version of the FICO score with their own names. Equifax has the Beacon system, TransUnion has the Empirica system, and Experian has the Experian/Falr Isaac system. Each is based on the original Fair Isaac FICO scoring method and produces equivalent numerical results for any given credit report. Some lenders also have their own scoring methods. Other scoring methods may include information such as your income or how long youve been at the same job. [D] Think of your credit score, like your grade in school. A teacher calculates grades by taking scores from tests, homework, attendance and anything else they want to use, weighting each one according to importance in order to come up with a final single number (or letter)score. Your credit score is calculated in a very similar manner. Instead of using the scores from pop quizzes and reports you wrote, it uses the information in your credit report. [E] 35 percent of the score is based on your payment history. This makes sense since one of the primary reasons a lender wants to see the score is to find out if (and how timely)you pay your bills. The score is affected by how many bills have been paid late, how many were sent out for collection, any bankruptcies, etc. When these things happened also comes into play. The more recent, the worse it will be for your overall score. [F] 30 percent of the score is based on outstanding debt. How much do you owe on car or home loans？ How many credit cards do you have that are at their credit limits？ The more cards you have at their limits, the lower your score will be. The rule of thumb is to keep your card balances at 25% or less of their limits. [G] 15 percent of the score is based on the length of time youve had credit. The longer youve had established credit, the better it is for your overall credit score. Why？ Because more information about your past payment history gives a more accurate prediction of your future actions. [H] 10 percent of the score is based on the number of inquiries on your report. If youve applied for a lot of credit cards or loans, you will have a lot of inquiries on your credit report. These are bad for your score because they indicate that you may be in some kind of financial trouble or may be taking on a lot of debt (even if you havent used the cards or gotten the loans). The more recent these inquiries are, the worse for your credit score. FICO scores only count inquiries from the past years. [I] 10 percent of the score is based on the types of credit you currently have. The number of loans and available credit from credit cards you have makes a difference. There is no magic number or combination of types of accounts that you shouldnt have. These actually come more into play if there isnt as much other information on your credit report on which to base the score. This information is compared to the credit performance of other consumers with similar histories and profiles. [J] Your credit score doesnt just affect whether or not you get a loan; it also affects how much that loan is going to cost you. As your credit score increases, your credit risk decreases. This means your interest rate decreases. There are other factors that influence the interest rate you get for a loan besides your credit score. Things like the type of property you are using the loan to buy, how much of your own money is going into it, the costs the lender has to make the loan, etc. [K] In. addition to banks and lenders, there are landlords, merchants, employers and insurance companies jumping on the credit score bandwagon (风靡的活动). Of all of these, the fact that insurance rates are being determined by credit scores is causing consumers the most alarm. To most, it seems that your credit history and your driving record have little in common. Insurers, on the other hand, have found that using credit scores to predict how likely someone is to pay premiums has helped them cut their losses. They dont use the same score that banks and lenders use, however. They use a slightly different formula for their calculations and actually call it an "insurance score".[ LJ Credit scores arent static numbers. Because they are calculated based on your current credit report, they change every time your credit report changes. While this change may be very slight, it can also be much more dramatic. Here are some things some financial advisers say to do to try to improve your score. [M] Review your credit report and correct any errors you find. Getting rid of inaccurate information can sometimes improve your score dramatically. [N] Advice used to be given to close old and unused credit card accounts in order to reduce your "potential" available credit, which could change your debt ratio after youve been approved for a loan. Now, however, the ratio of your debt to your credit limit is more critical, so closing old accounts only raises that ratio-which you dont want to do. Some people have moved debt from several credit cards to one card and then closed the old accounts. Since creditors look at the debt-to- credit limit ratio, this can have a bad affect on your credit score because you have the same amount of debt but less available credit. So dont close old credit card accounts just because youre not using them. [O] Creditors also now look at the average age of your accounts so, again, keep those old accounts. Reduce your balances on credit cards to 75% or less of your available credit (25% is preferable). Pay your bills on time. (This is probably the most important of all!)Dont let anyone make an inquiry on your credit report unless you absolutely have to. The more inquiries, the lower your score. Dont open new credit card accounts just to increase your available credit in the hopes of raising your score. Also, remember that some improvements-such as better efforts at making payments on time-may take time to impact your score. So, time is also a factor. The credit score based on ones payment history accounts for 35 percent.

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第4题

unfnished statements,Directions: Afier reading the fllowing pasage, you will find 5 qu

estions or

asmarkedA), B), C)4 choicesnumbered 40 to 44. For each question or statement, there ar

4Croud letter on the Answer and D). You should make the orret choice and mark the coresponding Sheet with a single line through the center.There are a few reasos whyje hnfebiedl buincs may have toubtein scuring businessfinancing (筹集资金) through a bank or credit union:

* Your business isn't fimmly established; If your business is less than two years old, it's unlikely that a traditional lender will be wlling to take a chancee on funding your business.

* Your businss credit score is lacking; Once you apply for an employer ienification (雇主识别)

number, you have to start building a business credit score. You can improve the score by paying your bll,s establishing trade credit accounts, and staying in busines. The business and personal credit score both afect whether a lender is wlling to offer you business financing.

* You lack a demonstrated (证明的) need; Taking on debt is a common way for raising funds.However, you should never do so unless you need to. Lenders will refuse to finance a business that can't clearly show why they need funding, and how they'll pay it back.

If, as a home business owner, you discover an area that requires serious investment, you should be able to make your case to lenders, whether they are your local bank or an online lender.

40. A traditional lender will NOT be wlling to provide funds to a business if()

A) it is a foreign company

C) it is located in a remote area

B) it has been newly set up

D) it is a small family business

41. Whether a business can obtain financing is likely to be decided by().

A) its yearly profit

C) its business credit score

B) its business scale type

D) its relationship with a lender

42. To secure business financing, a business owner should clearly demonstrate to the lender().

A) the need for funding

C) the company's products

B) the marketing strategy

D) the business management

43. The expression “make your case" in the sentence “... you should be able to make your case to

lenders..." (Para. 5) means

A) give your sales plan

C) make your promise

B) offer your proposal

D) state your reasons

44，The passage is mainly about

A) when a home-based business should build a business credit score

B) how a family business applies for financing from a local bank

C) why a home-based business has difficulty obtaining financing

D) where a home-based business can secure business financing

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第5题

SECTION BINTERVIEWDirections: In this section you will hear everything ONCE ONLY. Listen c

SECTION B INTERVIEW

Directions: In this section you will hear everything ONCE ONLY. Listen carefully and then answer the questions that follow. Questions 1 to 5 are based on an interview. At the end of the interview you will be given 10 seconds to answer each of the following five questions.

Now listen to the interview.

听力原文：M：Sharon Epperson joins us now，she's a correspondent for CNBC，and author of the new book，the big Payoff, eight steps couples can take to make the most of their money，and live richly ever after．Sharon，good morning.

W: Good morning.

M: Congratulations on the book as well.

W: Thank you.

M: We are gonna talk about things that couples and individuals can do to better their finances. One of the first things I know you like to talk about is a financial checkup.

W: Absolutely, the first step is that you have to get organized, and that's what I start off within the eight steps in my book.You need to get organized and you need to figure out what money is coming in, and what money is going out. And a really easy way to get that started is if you do online banking, it's all laid out there for you.

M: Yeah, I mean a lot of process is stuffed in a shoe box. But online banking, you can look not only at your checking account, but your credit cards as well. Right？

W: You can look at your checking account if you have online access to your credit card. That's a great idea, too. You really want to keep track of the money that's coming in and going out. If you have a shoe box for all receipts and that's the way you do it, that's fine.But the key is to make sure you know what yon have.

M: Does it make it easier to track finances if you use debit cards and even credit cards for small purchases, I mean a lot of what we spend just comes fight out of our pockets. And you don't track it.

W: Absolutely will. If you can track it with a debit card or a credit card, that's terrific, that's a good way to keep yourself disciplined, so you know what you are spending.

M: I also want to talk about the accounts that the couples keep. And this can be a source of problems in marriages sometimes. Do you have a joint account, do you have separate accounts, do you have our account, you say all three.

W: Yours, mine and ours. It's very important because you wanna have a joint account for household expenses of course.But there may be a major purchase that you wanna make that your spouse doesn't. If you wanna have a monthly spa day, and your spouse wants to buy a boat, and neither of you wants the other one's money for that. That may be a reason why you need to have separate accounts, so I think it's a good idea to pool your money for household finances, but also have some savings of your own.

M: Then there's also the importance of knowing your credit scores. As you know, you are in advertisements. So I guess we now get a free one every year. It's a little scary to find out, but you need to know.

W: You can get a free one every year from each of the three credit-reporting agencies.It's so critical to know your credit score, and not only to know your credit score and have a copy of your report, but to share it with your partner. So you both know what your credit is, and the amount of the debt that you haven't paid yet.

M: All right, we were talking about this segment earlier, so this is a very unromantic notion. I tend to agree with you. You say couples should have a money date, talk finances.

W: It does not need to be an unromantic experience. It needs to be a relaxing experience, it's something where you need to sit down and talk about your goals, and talk about what your short-term goals are, and your long-term goals. You wanna do it in a relaxing environment, have fun with it.

M: So without the pressure of talking about an immediate bill, kind of like, here's what we are.

W: Exactly, don't abruptly open the credit card statement, and you are already fuming. Take some time away,

A．the safety of the trading process.

B．how to make the most money.

C．each sum you have earned and spent.

D．your ability to make major purchases.

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第6题

What is the difference between a credit report and a credit score？A．A credit report does n

What is the difference between a credit report and a credit score？

A．A credit report does not contain numbers.

B．A credit score is much more objective.

C．A credit report covers a person"s credit information.

D．A credit score is calculated by a Credit Bureau.

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第7题

Making yourself a good record If you are an American and you think you might need to bo

Making yourself a good record

If you are an American and you think you might need to borrow money someday，the best thing to do is start early．

That’s because just as many employers want to hire only people with experience，banks and other creditots are usually reluctant to lend to those_______（1）a proven track record of paying back．_______ （2）time，the money they have borrowed．

But if you need experience just to get a start，how do you get that start in the first place？

With a little help from your parents usually，while you are still financially dependent_______ （3）them． It is easy to get a credit card or student loan when you are in college，because banks figure your parents will bail you out if you fail to pay．

So just as students take on internships to build up their resumes，one’s university time can be a good time to work on another important personal reeord：the credit_______ （4）．

Crledit reports are a_______ （5）0f one’s personal credit history，gathered by a credit reporting agency,or CRA．

Banks and companies-_______ （6） hospitals，landlords and insurance eompanies—regularly report to the three main CRAs in the US_______ （7）how their customers are doing at paying back the money they_______ （8）．

Anyone with a“legitimate business need”has the right to order individuals’reports from the CRAs．Potential creditots usually compile the information in the reports into a credit“score”，ranking the level of creditworthiness．Lack of experience in borrowing in_______ （9）to a bad record of doing so．can result in a low score．

Even if you are not considering taking out a loan for such a large purchase as a home or car，your credit report can be important to getting through life．Landlords often ask for the reports to judge_______（10）a person can be trusted to pay the rent．Credit checks are necessary for getting a credit card，even for purchasing a mobile phone calling plan．

People can obtain a copy of their own credit report，usually_______ （11）a cost of around us$8-9．Some consumer organizations recommend doing this once a year to allow one to catch any mistakes_______（12）have slipped into the records or，even worse，to find out whether any fraud has taken place．Though the system is controlled by laws_______ （13）to protect people’s privacy，it isn’t fool—proof：Sometime$people take out bad loads in others’names，_______ （14） their records. In a society addieted_______ （15）credit，that can be a disaster．

第 1 题

A．with

B．without

C．on

D．by

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第8题

The credit score is calculated based on ones credit reports.

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第9题

A college student must earn enough _______________ in order to obtain a bachelor's degree.

A.credits

B.credit

C.score

D.scores

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第10题

To improve credit score, one should lay great effort not to delay the payment of bills.To improve credit score, one should lay great effort not to delay the payment of bills.

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