Question

【題目】Why I stopped worrying about my credit score?

If you believed everything you read about your credit score, you'd think it was the most important component of your financial health. Without a good credit score and history, the experts say, it's more difficult qualify for a mortgage(按揭)or a car loan-and more expensive if you're approved for a loan, too, because you won't get the best interest rates. In many states, bad credit can even raise your insurance payments, cost you a rental apartment, or make it harder to get hired. 【1】

First off, there are several credit scores out there. While it's important to cultivate your credit scores by using credit responsibly, your FICO credit score may not be the same as what VantageScore reports, and lenders may use a different one entirely, so focusing on one score can be a fruitless exercise. More important as financial reporter Dave Ramsey notes on his blog, your credit score is not a measure of your overall financial health. He writes:"【2】"

FICO, the most popular credit-scoring agency, users several weighted factors to determine your credit score, including payment history (35 percent), amounts owed (30 percent), length of credit history (15 percent), new credit (10 percent), and credit mix (10 percent). 【3】My husband and I enjoyed steady credit scores above 820 for a while. But when we paid off one of our rental properties in 2017, we both saw our credit scores fall by 20 or more points. The sudden drop took place because we completed a 15-year loan and reduced the average length of our credit history tremendously. 【4】 That’s blackmail. I would rather be debt-free than have a perfect credit score.

Your credit score is certainly important when you’re starting out and likely to borrow money for a down payment (首付) on a home or some other big purchase. But once you’re fairly established financially, it’s much easier to see it for what it really is: a measure of how well you borrow money.

Answer 1

【答案】

【1】 F

【2】 C

【3】 D

【4】 A

【解析】

本文為議論文。作者通過自己的經(jīng)歷，論述了信用評分會對人們產(chǎn)生哪些影響、有哪些因素會影響到我們的信用評分，同時信用評分又存在什么問題。

【1】考查上下文及句意理解。根據(jù)上文提到的不良信用評分和歷史、不良貸款會給你帶來的麻煩，及下文“更重要的是，正如金融記者戴夫拉姆齊在博客中指出的那樣，你的信用評分并不能衡量你的整體財務(wù)健康狀況。”可知，F項“雖然這些都是事實，但并不能說明全部”符合此處語境。故F選項正確。

【2】考查上下文及句意理解。根據(jù)上文“你的信用評分并不能衡量你的整體財務(wù)健康狀況�！笨芍�，C項“它告訴你的只是你是否擅長借錢和還錢�！狈�合此處語境。故C選項正確。

【3】考查上下文及句意理解。根據(jù)下文“但當我們在2017年付清其中一套租賃房產(chǎn)時，我們倆的信用評分都下降了20分或更多。”可知，D項“信不信由你，這些標準會讓你因無債一身輕而受到懲罰！”符合此處語境。故D選項正確。

【4】考查上下文及句意理解。根據(jù)上文“之所以出現(xiàn)這種突然的下降，是因為我們完成了一筆15年的貸款，大大縮短了信貸歷史的平均長度。”可知，A項“換句話說，因為我們還清了貸款，結(jié)束了一項信用額度，我們的分數(shù)受到了影響�！狈�合此處語境。故A選項正確。

六選四題型主要考查上下文的理解與推斷，雖然文章整體難度一般低于閱讀理解，但是卻給很多同學造成了很大的心理障礙。在這里提醒同學們，首先要克服心理障礙，同時要注意方式方法。一定要注意文章開頭的段落，文章第一段一般是主題段，會點明一篇文章要講述的內(nèi)容，做到心中有數(shù)；注意設(shè)空前后的句子，因為這些句子之間是順承和聯(lián)系的，所有一定要聯(lián)系和理解上下文的語境。例如第5小題，根據(jù)上文The sudden drop took place because we completed a 15-year loan and reduced the average length of our credit history tremendously.可知，我們信用評分之所以出現(xiàn)這種突然的下降，是因為我們完成了一筆15年的貸款，大大縮短了信貸歷史的平均長度。A項“換句話說，因為我們還清了貸款，結(jié)束了一項信用額度，我們的分數(shù)受到了影響�！狈�合此處語境。