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.
Negative information, such as an unpaid cable bill, should be removed after 7 years. You may have to write to the credit reporting agency and ask them to remove it because it is too old. BTW, if you have no credit you will not be able to have a good credit score even after it is removed. Good luck.