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.
A credit score is determined by the information in your credit report. Most negative information, with the exception of a Chapter 7 bankruptcy filing, drops off your credit report after seven years. A Chapter 7 filing stays on your credit report for 10 years.