听力题 More and more Americans are reading their own credit report. Credit reports are used by lenders to decide how risky it would be to offer a loan or credit to an (36) 1. The report holds information about a person''s current loans and credit-card debt. It records late payments of bills and any (37) 2loans. It all adds up to a credit history. These days, (38) 3, lenders often welcome people with bad credit histories. They are (39) 4 higher interest rates and other loan costs. Some Americans want to read their credit report to know if they have been a victim of (40) 5theft. They can see if any loans or credit cards have been opened in their name with (41) 6personal information. Another reason is that credit reports are not always correct. They might contain wrong information or old information. Before 1971, Americans could not see any of this information. Then (42) 7passed a law to give citizens the right to see and (43) 8 their credit reports. Over the years, new rights have been added to the Fair Credit Reporting Act. One change, in 2001, permits people to see their FICO score. FICO is short for the Fair Isaac Corporation. (44) 9. People with high scores can (45) 10. (46) 11.