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.
The non-FICO scores are called FAKO scores by some consumers. Experian has a credit score for educational use only (Plus Score) between 330 and 830, and Experian Scorex PLUS score is between 300 and 900.