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.
However, the âassignedâ date on the credit report doesnât change when the collection status is updated, nor do the credit scoring formulas give fewer points for a paid than an unpaid collection. So there is no evidence to support the myth that paying a collection can lower a score.