资料：Nocredit，badcreditHearthete-名校题库网

资料：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 any time 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 a big 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.

The solution（s） for Bad-credit could be______.

A.having accounts sent to collections
B.looking for a no-credit credit card
C.paying down the balance
D.closing your credit accounts

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答案： B

本题解析：

本题考查的是细节理解。

【关键词】solution（s） for Bad-credit

【主题句】倒数第3自然段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.不良信用可能是由于财务失误造成的，包括错过付款，拖欠贷款或账户被银行托收。如果您属于此类别且需要信用，您将需要查找信用不良的信用卡。在这种情况下，担保卡或信用建设者贷款也是一个不错的选择。您也可能有资格获得不良信用的个人贷款。如果您仍有未结账户，请即时支付余额，但如果可以避免，不要关闭信用账户。

【解析】本题的问题是“不良信用的解决方案可能是_______”A选项“账户被银行托收”；B选项“寻找无信用的信用卡”；C选项“支付余额”；D选项“关闭您的信用账户”。根据题目中关键词找到主题句，A选项是导致不良信用的缘由，而非解决方案，故错误；B选项与题干“寻找信用不良的信用卡”相符，故正确；必须在有未结账户的前提下，选择支付余额，C选项缺少限制条件，故错误；D选项与题干“不要关闭信用账户”相矛盾，故错误。故选B。