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 __1__ a proven track record of paying back, __2__ 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 __3__ 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 __4__.
Credit reports are a __5__ of one’s personal credit history, gathered by a credit reporting agency, or CRA.
Banks, and companies - __6__ hospitals, landlords and insurance companies – regularly report to the three main CRAs in the US __7__ how their customers are doing at paying back the money they __8__.
Anyone with a “l(fā)egitimate 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 __9__ 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 __10__ a person can be trusted to pay the rent. Credit checks are necessary for getting a credit card, even for purchasing a mobile phone calling plan.
People can obtain a copy of their own credit report, usually __11__ a cost of around US$8-9. Some consumer organizations recommend doing this once a year to allow one to catch any mistakes __12__ have slipped into the records or, even worse, to find out whether any fraud has taken place. Though the system is controlled by laws __13__ to protect people’s privacy, it isn’t fool-proof: Sometimes people take out bad loads in others’ names, __14__ their records.
In a society addicted __15__ credit, that can be a disaster.
1. A. with B. without C. on D. by
2. A. in B. with C. by D. on
3. A. of B. in C. on D. with
4. A. report B. conclusion C. review D. introduction
5. A. explanation B. investigation C. summary D. examination
6. A. including B. included C. include D. includes
7. A. by B. with C. in D. on
8. A. own B. lend C. owe D. possess
9. A. addition B. conclusion C. consequence D. contrast
10. A. that B. whether C. what D. either
11. A. at B. by C. with D. on
12. A. these B. what C. that D. those
13. A. meant B. mean C. meaning D. means
14. A. building up B. updating C. improving D. ruining
15. A. on B. to C. by D. with
在線作業(yè)參考答案：
1.B. 被選項A和B有關(guān)系, 所以重點注意. 空格所在的局部結(jié)構(gòu)說“other creditors are usually reluctant to lend to those __1__ a proven track record of paying back（其他的債券人通常不愿意把錢借給那些...有償還記錄的人）”, 因此判斷B(沒有)是答案.
2.D. 與time搭配使用的介詞是 in 和on, 空格所在的局部結(jié)構(gòu)說“paying back(償還), __2__ time（準(zhǔn)時還錢) ”， 因此D是答案。
3．C. （be）dependent on.../依靠...
4. A. 后句中出現(xiàn)了credit reports,而且下一句是在對credit reports進(jìn)行解釋, “提出概念 + 解釋說明”是寫作中的常用邏輯, 因此判斷A是答案.
5. C. 空格前出現(xiàn)了不定冠詞, 因此選取的單詞的首字母的發(fā)音不能是元音, 因此C是答案.
6. A. 空格所在的結(jié)構(gòu)是插入語結(jié)構(gòu)， A放入空格中形成介詞短語結(jié)構(gòu)(插入語的一種常見結(jié)構(gòu)形式)， 因此A（包括）是答案。如果 B， C， D出現(xiàn)在空格中， 空格所在的結(jié)構(gòu)都不能成為完整的句子。
7. D. 空格所在的局部結(jié)構(gòu)是： report to sb./sth. on (向某人/某機構(gòu)匯報有關(guān)..的內(nèi)容)
8. C. A和D是近義詞, 所以彼此排除掉, 空格所在的局部結(jié)構(gòu)說:paying back the money they..(償還他們..的錢), 因此判斷C(欠(債))是答案.
9. A. in addition to../除…以外
10．B．judge后面常跟 whether引導(dǎo)的賓語從句或what, where, when, which 引導(dǎo)的賓語從句，而空格所在的從句中不需要名次性的成分，所以答案是B。
11．A．a(chǎn)t a/the cost of…以..的價格/以..的代價
12. C. 空格所在的結(jié)構(gòu)是跟在名詞mistakes后面的定語從句, 因此答案是C。只有that可以引導(dǎo)定語從句。
13．A． 空格所在的局部結(jié)構(gòu)是過去分詞的結(jié)構(gòu)作定語， 修飾前面的laws.
14．D． 空格前面說“以他人名義借款不還”， 這樣最終的結(jié)果就是“毀掉他人的信用記錄”。
15．B． 分析：(be)addicted to../沉溺于…
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 __1__ a proven track record of paying back, __2__ 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 __3__ 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 __4__.
Credit reports are a __5__ of one’s personal credit history, gathered by a credit reporting agency, or CRA.
Banks, and companies - __6__ hospitals, landlords and insurance companies – regularly report to the three main CRAs in the US __7__ how their customers are doing at paying back the money they __8__.
Anyone with a “l(fā)egitimate 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 __9__ 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 __10__ a person can be trusted to pay the rent. Credit checks are necessary for getting a credit card, even for purchasing a mobile phone calling plan.
People can obtain a copy of their own credit report, usually __11__ a cost of around US$8-9. Some consumer organizations recommend doing this once a year to allow one to catch any mistakes __12__ have slipped into the records or, even worse, to find out whether any fraud has taken place. Though the system is controlled by laws __13__ to protect people’s privacy, it isn’t fool-proof: Sometimes people take out bad loads in others’ names, __14__ their records.
In a society addicted __15__ credit, that can be a disaster.
1. A. with B. without C. on D. by
2. A. in B. with C. by D. on
3. A. of B. in C. on D. with
4. A. report B. conclusion C. review D. introduction
5. A. explanation B. investigation C. summary D. examination
6. A. including B. included C. include D. includes
7. A. by B. with C. in D. on
8. A. own B. lend C. owe D. possess
9. A. addition B. conclusion C. consequence D. contrast
10. A. that B. whether C. what D. either
11. A. at B. by C. with D. on
12. A. these B. what C. that D. those
13. A. meant B. mean C. meaning D. means
14. A. building up B. updating C. improving D. ruining
15. A. on B. to C. by D. with
在線作業(yè)參考答案：
1.B. 被選項A和B有關(guān)系, 所以重點注意. 空格所在的局部結(jié)構(gòu)說“other creditors are usually reluctant to lend to those __1__ a proven track record of paying back（其他的債券人通常不愿意把錢借給那些...有償還記錄的人）”, 因此判斷B(沒有)是答案.
2.D. 與time搭配使用的介詞是 in 和on, 空格所在的局部結(jié)構(gòu)說“paying back(償還), __2__ time（準(zhǔn)時還錢) ”， 因此D是答案。
3．C. （be）dependent on.../依靠...
4. A. 后句中出現(xiàn)了credit reports,而且下一句是在對credit reports進(jìn)行解釋, “提出概念 + 解釋說明”是寫作中的常用邏輯, 因此判斷A是答案.
5. C. 空格前出現(xiàn)了不定冠詞, 因此選取的單詞的首字母的發(fā)音不能是元音, 因此C是答案.
6. A. 空格所在的結(jié)構(gòu)是插入語結(jié)構(gòu)， A放入空格中形成介詞短語結(jié)構(gòu)(插入語的一種常見結(jié)構(gòu)形式)， 因此A（包括）是答案。如果 B， C， D出現(xiàn)在空格中， 空格所在的結(jié)構(gòu)都不能成為完整的句子。
7. D. 空格所在的局部結(jié)構(gòu)是： report to sb./sth. on (向某人/某機構(gòu)匯報有關(guān)..的內(nèi)容)
8. C. A和D是近義詞, 所以彼此排除掉, 空格所在的局部結(jié)構(gòu)說:paying back the money they..(償還他們..的錢), 因此判斷C(欠(債))是答案.
9. A. in addition to../除…以外
10．B．judge后面常跟 whether引導(dǎo)的賓語從句或what, where, when, which 引導(dǎo)的賓語從句，而空格所在的從句中不需要名次性的成分，所以答案是B。
11．A．a(chǎn)t a/the cost of…以..的價格/以..的代價
12. C. 空格所在的結(jié)構(gòu)是跟在名詞mistakes后面的定語從句, 因此答案是C。只有that可以引導(dǎo)定語從句。
13．A． 空格所在的局部結(jié)構(gòu)是過去分詞的結(jié)構(gòu)作定語， 修飾前面的laws.
14．D． 空格前面說“以他人名義借款不還”， 這樣最終的結(jié)果就是“毀掉他人的信用記錄”。
15．B． 分析：(be)addicted to../沉溺于…