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Making Yourself a Good Record If you are an American and you think you might need to borrow money someday, the best thing to do is start early. Thats because just at many employers want to hire only people with experience, banks and other creditors are usually reluctant to lend to those ____1____ a proven track record1 paying back, ____2____ time, the money they have borrowed. But if you need experience just to get a start, how do you get that stat 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 interships to build up their resumes, ones university time can be a good time to work on another important personal record: the credit ______4___. Credit reports are a ______5____ of ones personal credit history, gathered by a credit reporting agency, or CRA. Banks and companies_____6____ hospitals, landlords and insurance companiesregularly 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 legitimate 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 score2. | 
