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Section C
Directions: In this section, you will hear a passage three times. When the passage is read for the first time, you should listen carefully for its general idea. When the passage is read for the second time, you are required to fill in the blanks numbered from 36 to 43 with the exact words you have just heard. For blanks numbered from 44 to 46 you are required to fill in the missing information. For these blank, you can either use the exact words you have just heard or write down the main points in your own words. Finally, when the passage is read for the third time, you should check what you have written.
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 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.
