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.
Those who have bad credit â or no credit â may be paying a high price for borrowing: high-interest rates on credit lines, rejection on new loans and maybe even trouble securing an apartment lease. The simple answer is to establish a good credit score, but accomplishing that is often not so simple.