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.
That difference involves the debt-to-income ratio. If you miss a payment every so often or your employment history is a bit erratic, your credit score can drop. Nevertheless, youâre still offered all kinds of credit. Good Credit Score: 700-749. From this point on, the lower your credit score, the more money that comes out of your pocket.