资料:Nocredit,badcreditHearthetermsoftenenoughandtheycanblurtogether.Thesecreditstatusesaren’toneandthesame,though. Whetheryouhavenocreditorbadcredit,onething’sforsure:Youdon’thavegoodcredit.Andwithoutgoodcredit,you’llfaceanuphillbattleanytimeyouapplyforaloanorcreditcard. Potentiallenderswillwanttoknowthatyouwillalmostcertainlyrepayanymoneythatyouborrow.Theylikelywon’triskloaningmoneyorextendingcredittothosewhosecreditworthinessisabigquestionmarkor,worse,whohaveatrackrecordofpoormoneymanagement. Ifyoufallintoeitherofthesecategories,it’ssmarttofocusonraisingyourcreditscores. Ifyouhavenocreditscore,youdon’thaveacredithistory.Ifyouhavebadcredit,it’slikelythatyou’vemishandledcreditinthepast.Andthesetwoless-than-idealcreditstandingsrequiredifferentsolutions. Ifyoufallintheno-creditcategory,youhaven’tnecessarilymadeanyfinancialmistakes.Inthiscase,agoodwaytostartbuildingthathistoryistoacquireacreditcardforpeoplewithnocredit.Securedcreditcards(whichrequireasecuritydeposit)orcollegestudentcreditcardsaretypicallytheeasiesttoqualifyforifyouhavenocredit.Acredit-builderloancanalsohelpyouestablishcredit. Badcreditcanbearesultoffinancialmissteps,includingmissingpayments,defaultingonloans,orhavingaccountssenttocollections.Ifyoufallintothiscategoryandneedcredit,you’llneedtolookforabad-creditcreditcard.Asecuredcardorcredit-builderloanisagoodoptioninthissituation,aswell.Youalsomayqualifyforabad-creditpersonalloan.Ifyoustillhaveopenaccounts,paydownthebalancesbutdon’tclosecreditaccountsifyoucanavoidit. Peoplewithnocreditarejuststartingtobuildtheirfinancialreputation,whilethosewithbadcreditaredoingdamagecontrol. Movingfromoneoftheselessdesirablesituationstoagoodcreditstandingmayusedifferenttools,butthemethodismuchthesame:Makeyourpaymentsontimeandkeepyourdebtlow.Ittakesdiligenceanddedication,butitcanbedone. Thesolution(s)forBad-creditcouldbe______.
A.having accounts sent to collections. B.looking for a no-credit credit card. C.paying down the balance. D.closing your credit accounts.正确答案B