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.
[Read: Buying a Car with Bad Credit] Your Credit Score. FICO may not be the only credit score, but it is most likely the one used by your lender. While credit reports can be obtained for free, you must pay a nominal fee to retrieve your credit score. What is considered excellent credit has everything to do with the car loan you are seeking.