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.
Residents of Mississippi have the lowest average credit score in the country at 638, while folks in Minnesota have the highest at 704, according to credit reporting bureau Experian, which provided NerdWallet with credit scores for over 200 metro areas. The national average credit score in May 2015 was 669.