[J] Your credit score doesn't 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 don't 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 aren't 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 you've 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 don't 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 don't close old credit card accounts just because you're 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!)Don't let anyone make an inquiry on your credit report unless you absolutely have to. The more inquiries, the lower your score. Don't 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 one's payment history accounts for 35 percent.
48、 FICO is the most frequently used credit scoring method.
49、 The credit score is calculated based on one's credit reports.
50、 Too many times of application for loans suggest that one may have some financial trouble.
51、 Credit score not only determines whether one can get a loan, but also affects how much one pays interest rate.
52、 To improve credit score, one should lay great effort not to delay the payment of bills.
53、 The basic role of a credit score is to determine whether applicants can get credit or loans.
54、 Credit score is a dynamic number that. varies with the change of one's current credit report.
55、 If you have more outstanding debt, you will get lower credit score.
56、 Closing old credit card accounts raises the debt-to-credit limit ratio, because the amount of available credit is reducing.
Section C
Directions: There are 2 passages in this section. Each passage is followed by some questions or unfinished statements. For each of them there are four choices marked A), B), C) and D ). You should decide on the best choice and mark the corresponding letter on Answer Sheet 2 with a single line through the centre.
57、根据下面资料，回答57-66题。
Terry Wolfisch Cole may seem like an ordinary 40-year-old mom, but her neighbors know the truth: She's one of the "Pod People." At the supermarket she wanders the aisles in a self-contained bubble, thanks to her iPod digital music player. Through those little white ear buds, Wolfisch Cole listens to a playlist mixed by her favorite disc presenter-herself.
At home, when the kids are tucked away, Wolfisch Cole often escapes to another solo media pod- but in this one, she's transmitting instead of just receiving. On her computer web log, or "blog", she types an online journal chronicling daily news of her life, then shares it all with the Web.
Wolfisch Cole-who also gets her daily news customized off the Internet and whose digital video recorder (DVR)scans through the television wasteland to find and record shows that suit her tastes-is part of a new breed of people who are filtering, shaping and even creating media for themselves. They are increasingly turning their backs on the established system of mass media that has provided news and entertainment for the past half-century. They've joined the exploding "iMedia" revolution, putting the power of media in the hands of ordinary people.
The tools of the movement consist of a bubbling stew of new technologies that include iPods, blogs, podcasts, DVRs, customized online newspapers, and satellite radio.
Devotees of iMedia run the gamut (范围)from the 89-year-old New York grandmother, known as Bubby, who has taken up blogging to share herworldly advice, to 11-year-old Dylan Verdi of Texas, who has started broadcasting her own homemade TV show or "vlog', for video web log. In between are countless iMedia enthusiasts like Rogier van Bakel, 44, of Maine, who blogs at night, reads a Web- customized news page in the morning, travels with his fully loaded iPod and comes home to watch whatever the DVR has chosen for him.
If the old media model was broadcasting, this new phenomenon might" be called ego-casting, says Christine Rosen, a fellow with the Ethics and Public Policy Center. The term fits, she says, because the trend is all about me-me-media -" the idea is to get exactly what you want, when and where you want it."
Rosen and others trace the beginnings of the iMedia revolution to the invention of the TV remote, which marked the first subtle shift of media control away from broadcasters and into the hands of the average couch potato. It enabled viewers to vote with their thumbs-making it easier to abandon dull programs and avoid commercials. With the proliferation (激增)of cable TV channels in the late 1980s followed by the mid-1990s arrival of the Internet, controlling media input wasn't just a luxury. "Control has become a necessity," says Bill Rose, "Without it, there's no way to sort through all the options that are becoming available."
Who is Terry Wolfisch Cole probably according to the passage?
A.A middle-aged housewife.
B.A saleswoman in the supermarket.
C.A disc presenter.
D.An online news writer.
58、 Which of the following is the characteristic of the new breed of people according to the passage ?
A.They provide news and entertainment for the public.
B.They have started the iMedia revolution.
C.They have helped ordinary people control media.
D.They choose what to listen to or watch by themselves.
59、 What can be learned about the devotees of iMedia from the passage?
A.They are either very old or very young.
B.They consist of people of all ages.
C.They are located in New York, Texas and Maine.
D.They share the same interests.
60、 According to the passage, Christine Rosen calls the iMedia revolution ego-casting because _________
A.people show themselves in the media
B.people get their needs for media met
C.people can watch whatever they like
D.it is the invention of an individual
61、 Why was the invention of the TV remote important according to the passage?
A.Because it enabled ordinary people to control media to some extent.
B.Because it made more cable TV channels available to people.
C.Because it led to the invention of Internet in the 1990s.
D.Because it made life easier for couch potatoes.
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