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 scores range from 300 to 850; scores of 620 or below are generally regarded as bad credit scores. However, it's important to note that what qualifies as a bad credit score is a little subjective and depends somewhat on the lender. A home mortgage is a good example of this credit score subjectivity.Federal mortgage companies Fannie Mae and Freddie Mac consider 620 and below to be bad credit scores.ost people understand that a bad credit score is something that will make it hard for you to get credit, cost you a lot more when you can get it, and silently sabotage other important aspects of your life without you even knowing it.