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.
Borrowers with credit scores that fall in this range have very little chance of getting new credit. If your score falls in this range, talk to a financial professional about steps to take to repair your credit. No Credit â 0 to 349. Everyone has to start somewhere!