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.
How to apply for credit with no credit. How to apply for credit with no credit. There's plenty of advice on how to build good credit history starting from scratch and how to turn a bad credit score into a stellar one. There are loans available for people with great credit, mediocre credit and even ugly credit.