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.
If you start with zero credit and get a loan or a credit card, youâll have a credit history but not a FICO score. This can make it tough to qualify for good-credit credit cards. After six months of having a line of credit, youâll have a FICO score, but it wonât be a perfect 850. If you make all your payments on time and borrow wisely, though, you could have a score over 700. (It wonât take as long to generate a credit score from VantageScore, FICOâs competitor.)