Questão de Inglês: leitura de textos financeiros

A credit score is a number that estimates how likely a person is to repay a loan. Lenders use it to decide whether to approve an application and how much interest to charge. Paying bills on time usually raises a score, while missing payments lowers it. Critics warn that people who have never borrowed may have no score at all, even when they manage their money carefully. For this reason, some lenders have begun to consider rent and utility payments as additional evidence of good financial behavior.