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.
In fact, one of the most common questions we receive is: Can I get a VA loan with bad credit? The answer isnât black-and-white, in part because thereâs no clear-cut definition of what âbad creditâ actually means. For VA loans, borrowers will often need a FICO credit score of at least 620. But the VA doesnât mandate a minimum score requirement, and credit score benchmarks can vary by lender. Some lenders may be willing to go below that common 620 cutoff, which is considered by some to be the dividing line between âFair and subprime credit.