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  3. 共用题干 Making Yourself a Good RecordIf you are an American and you think you m...

共用题干 Making Yourself a Good RecordIf you are an American and you think you m...

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问题 共用题干
Making Yourself a Good Record

If you are an American and you think you might need to borrow money someday,the best thing to do is
start early.
That'S because just as many employers want to hire only people with experience,banks and other
creditors are usually reluctant to lend to those________(51)a proven track record of paying back,
_________(52)time,the money they have borrowed.
But if you need experience just to get a start,how do you get that start in the first place?
With a little help from your parents usually,while you are still financially dependent_________(53)
them.It is easy to get a credit card or student loan when you are in college,because banks figure your
parents will bail you out if you fail to pay.
So just as students take on internships to build up their resumes,one's university time can be a good
time to work on another important personal record:the credit _________(54).
Credit reports are a_________(55)of one's personal credit history,gathered by a credit reporting
agency,or CRA.
Banks and companies一___________(56)hospitals,landlords and insurance companies一regularly report to
the three main CRAs in the US__________(57)how their customers are doing at paying back the money they
________(58).
Anyone with a"legitimate business need"has the right to order individuals'reports from the CRAs.
Potential creditors usually compile the information in'the reports into a credit"score",ranking the level of
creditworthiness.Lack of experience in borrowing in__________(59)to a bad record of doing so,can result
in a low score.
Even if you are not considering taking out a loan for such a large purchase as a home or car,your credit
report can be important to getting through life.Landlords often ask for the reports to judge________(60 )
a person can be trusted to pay the rent. Credit checks are necessary for getting a credit card,even for pur-
chasing a mobile phone calling plan.
People can obtain a copy of their own credit report,usually __________(61)a cost of around US
$8—9.
Some consumer organizations recommend doing this once a year to allow one to catch any mistakes
__________(62)have slipped into the record or,even worse,to find out whether any fraud has taken place.
Though the system is controlled by laws __________(63)to protect people's privacy it isn't fool-proof:
sometimes people take out bad loans in others'names,________(64)their records.
In a society addicted________(65)credit,that can be a disaster.
选项 _________(64)
A:building up
B:updating
C:improving
D:ruining
答案D
解析从意思上可以断定应该用without。雇主用工要求有工作经验的（with experience)，银行 和其他借款人不愿意把钱借给没有还钱记录的人（without a...record of paying back)另外两个 介词on和by用法都不对。
on time是个固定的表达方式，意思是“准时”,in time是“及时”。with time和by time这 里都不可能用。
dependent后面只能跟on，表示“依赖······”的意思。of用在independent后面，意思正好 相反，是“不依赖······”的意思。另外两个介词都不用在dependent后面。
依据上文这里需要的是一个名词，表示的是一种个人的记录，从下文的Credit reports are…我们得到提示，应该填入的是report。
这里应该填入的是一个名词，这是毫无疑问的。个人的信用报告是个信用历史的归 纳。故应选summary。
这里需要的是动词include的-ing分词形式。其他形式在语法上都不对。
report在作不及物动词用时，后面的介词通常用on。其他的选项都不对。
这里要注意几个选项在意义上的差别。own和owe在词形上很接近，很容易混淆，但意 思恰恰相反，own是“拥有”,owe是“欠”。这里的意思是“客户还钱的情况如何”所以应该选 owe。 possess和own同义，lend则是“借出”的意思。
in addition to是个固定的短语，意思相当于beside, in contrast to的意思是“和······形成 对比”,in conclusion和in consequence都是短语，但后面不用to。
这里动词judge后面有一个宾语从句，需要一个引导宾语从句的连接词，一般用 whether，表示“判断······是否······”。
表示“花多少代价”英语里用at a cost of...，其他几个介词都不对。
这里需要一个引导定语从句的词，由于先行词是mistakes，只能用that或which。
这里需要的是一个修饰名词law的定语，说明什么样的法律，所以要用的不是一个谓语 动词，而是一个作定语的分词，在两个分词形式meant和meaning中应该选meant。
这里的选择基于对句子意义的理解。本句意思是：有时有些人用别人的名义借钱不 还，这样做的结果必然是毁了别人的信用记录。
这道题考的是addict这个词的用法，addict后面一定跟to , addict to的意思是“沉酒， 对······上瘾”。如：He is addicted to drugs．他对毒品上瘾了。
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