House of Representatives and Senate offices will provide health coverage to Members of Congress and designated staff through the Small Business Health Options Program (SHOP). SHOPs were established to administer group health benefits to employees of small businesses.
Individuals with no credit history will have a score of -1. If the credit history is less than six months, the score will be 0. CIBIL credit score takes time to build up and usually it takes between 18 and 36 months or more of credit usage to obtain a satisfactory credit score.
Credit Karma vs FICO Score. One of the negative points thrown at websites like Credit Karma is that the free credit score they give is not your FICO score. Credit Karma offers three different types of credit scores, all supplied by the credit reporting agency TransUnion. They offer the TransRisk New Account Score, VantageScore, and Auto Insurance Score.