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  3. No credit，bad credit：hear the terms often enough and they can blur together．These credit statuses aren’t one and the same，though

No credit，bad credit：hear the terms often enough and they can blur together．These credit statuses aren’t one and the same，though

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问题 No credit，bad credit：hear the terms often enough and they can blur together．These credit statuses aren’t one and the same，though．
    Whether you have no credit or bad credit，one thing’s for sure：You don’t have good credit．And without good credit，you’ll face an uphill battle anytime you apply for a loan or credit card．
  Potential lenders will want to know that you will almost certainly repay any money that you borrow．They likely won’t risk loaning money or extending credit to those whose creditworthiness is abig question mark or，worse，who have a track record of poor money management．
    If you fall into either of these categories，it’s smart to focus on raising your credit scores．
    If you have no credit score．you don’t have a credit history．If you have bad credit，it’s likely that you’ve mishandled credit in the past．And these two less-than-ideal credit standings require different solutions．
    If you fall in the no-credit category，you haven’t necessarily made any financial mistakes．In this case，a good way to start building that history is to acquire a credit card for people with no credit．Secured credit cards(which require a security deposit)or college student credit cards are typically the easiest to qualify for if you have no credit．A credit builder loan can also help you establish credit．
    Bad credit can be a result of financial missteps，including missing payments，defaulting on loans，or having accounts sent to collections．If you fall into this category and need credit，you’ll need to look for a bad-credit  credit card．A secured card or credit-builder loan is a good option in this situation，as well．You also may qualify for a bad credit personal loan．If you still have open accounts，pay down the balances but don’t close credit accounts if you can avoid it．
    People with no credit are just starting to build their financial reputation，while those with bad credit are doing damage control．
    Moving from one of these less desirable situations to a good credit standing may use different tools，but the method is much the same：Make your payments on time and keep your debt low．It takes diligence and dedication，but it can be done．
Which topic has not been covered in the passage?
选项 A、Next steps to take for people in different categories．
B、How no credit and bad credit are different．
C、How no credit and bad credit are similar．
D、All the above have been discussed in the passage.
答案D
解析 A项，针对不同类别的人采取的步骤。定位到文章第四段：If you fall into either of thesecategories，it’s smart to focus on raising your credit scores．即“如果你属于这两类中的任何一类，集中精力提高你的信用分数是明智的”。从第五段开始都是对不同信用情况的人进行讨论，故正确。B项，无信用和信用差的不同情况。定位到文章第五段，该段解释了无信用和信用差的含义及所需的解决方法。第六、七段具体解释说明，故正确。C项，无信用和信用差相似。定位到文章第二段：Whetheryou have no credit or bad credit．one thing’s for sure：Youdon’t have good credit．And without good credit．you’ll facean uphill battle any time you apply for a loan or credit card．即“无论是哪种情况，肯定的是你都没有良好的信用记录。并在申请贷款或信用卡时都将面临一场艰苦的战斗”，故正确。D项，以上内容文章都有讨论。
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