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.
Credit scores are a three-digit number, often ranging from 300 to 850, with 300 being the lowest credit score you can have and 850 being the highest possible credit score. The higher your credit score is on the scale, the better your credit is.