The report holds information about a person's (37) ________ loans and credit-card debt. It records late (38) ________ of bills and any unpaid loans. It all adds up to a credit history. These days, though, lenders often welcome people with bad credit histories. They are (39) ________ higher interest rates and other loan costs.

　　Some Americans want to read their credit report to know if they have been a (40) ________ of identity theft. They can see if any loans or credit cards have been (41) ________ in their name with stolen personal information.

　　Another reason is that credit reports are not always correct.. They might (42) ________ wrong information or old information.

　　Before 1971, Americans could not see any of this information. One change, in 2001, permits people to see their FICO score. FICO is short for the Fair Isaac (43) ________. (44) __________.

　　Fair Isaac says many lenders not just in the United States but around the world use its technology to create credit scores. (45) _______________________________________________.

　　As of May, the company says it sold ten million credit scores to individuals.

　　(46) ______________________________________________________________________.

　　Paying bills on time and paying off credit-card debt improves credit scores.