[不定项选择题]共用题干 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
creditors are usually reluctant to lend to those________(51)a proven track record of paying back,
_________(52)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_________(53)
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 record:the credit _________(54).
Credit reports are a_________(55)of one's personal credit history,gathered by a credit reporting
agency,or CR A.
Banks and companies一___________(56)hospitals,landlords and insurance companies一regularly report to
the three main CRAs in the US__________(57)how their customers are doing at paying back the money they
________(58).
Anyone with a"legitimate business need"has the right to order individuals'reports from the CRAs.
Potential creditors usually compile the information in'the reports into a credit"score",ranking the level of
creditworthiness.Lack of experience in borrowing in__________(59)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________(60 )
a person can be trusted to pay the rent. Credit checks are necessary for getting a credit card,even for pur-
chasing a mobile phone calling plan.
People can obtain a copy of their own credit report,usually __________(61)a cost of around US
$8—9.
Some consumer organizations recommend doing this once a year to allow one to catch any mistakes
__________(62)have slipped into the record or,even worse,to find out whether any fraud has taken place.
Though the system is controlled by laws __________(63)to protect people's privacy it isn't fool-proof:
sometimes people take out bad loans in others'names,________(64)their records.
In a society addicted________(65)credit,that can be a disaster. _________(63)
A.meant
B.mean
C.meaning
D.means