综合类考试AB级：完形填空Making yourself
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 __1__ a proven track record of paying back， __2__ 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 __3__ 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 __4__。
Credit reports are a __5__ of one’s personal credit history， gathered by a credit reporting agency， or CRA.
Banks， and companies - __6__ hospitals， landlords and insurance companies – regularly report to the three main CRAs in the US __7__ how their customers are doing at paying back the money they __8__。
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 __9__ 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 __10__ a person can be trusted to pay the rent. Credit checks are necessary for getting a credit card， even for purchasing a mobile phone calling plan.
People can obtain a copy of their own credit report， usually __11__ a cost of around US$8-9. Some consumer organizations recommend doing this once a year to allow one to catch any mistakes __12__ have slipped into the records or， even worse， to find out whether any fraud has taken place. Though the system is controlled by laws __13__ to protect people’s privacy， it isn’t fool-proof： Sometimes people take out bad loads in others’ names， __14__ their records.
In a society addicted __15__ credit， that can be a disaster.
1. A. with B. without C. on D. by
2. A. in B. with C. by D. on
3. A. of B. in C. on D. with
4. A. report B. conclusion C. review D. introduction
5. A. explanation B. investigation C. summary D. examination
6. A. including B. included C. include D. includes
7. A. by B. with C. in D. on
8. A. own B. lend C. owe D. possess
9. A. addition B. conclusion C. consequence D. contrast
10. A. that B. whether C. what D. either
11. A. at B. by C. with D. on
12. A. these B. what C. that D. those
13. A. meant B. mean C. meaning D. means
14. A. building up B. updating C. improving D. ruining
15. A. on B. to C. by D. with
在线作业参考答案：
1.B. 被选项A和B有关系， 所以重点注意。 空格所在的局部结构说“other creditors are usually reluctant to lend to those __1__ a proven track record of paying back（其他的债券人通常不愿意把钱借给那些。。。有偿还记录的人）”， 因此判断B(没有)是答案。
2.D. 与time搭配使用的介词是 in 和on， 空格所在的局部结构说“paying back(偿还)， __2__ time（准时还钱) ”， 因此D是答案。
3．C. （be）dependent on.。。/依靠。。。
4. A. 后句中出现了credit reports，而且下一句是在对credit reports进行解释， “提出概念 解释说明”是写作中的常用逻辑， 因此判断A是答案。
5. C. 空格前出现了不定冠词， 因此选取的单词的首字母的发音不能是元音， 因此C是答案。
6. A. 空格所在的结构是插入语结构， A放入空格中形成介词短语结构(插入语的一种常见结构形式)， 因此A（包括）是答案。如果 B， C， D出现在空格中， 空格所在的结构都不能成为完整的句子。
7. D. 空格所在的局部结构是： report to sb./sth. on (向某人/某机构汇报有关。。的内容)
8. C. A和D是近义词， 所以彼此排除掉， 空格所在的局部结构说：paying back the money they.。(偿还他们。。的钱)， 因此判断C(欠(债))是答案。
9. A. in addition to.。/除…以外
10．B．judge后面常跟 whether引导的宾语从句或what， where， when， which 引导的宾语从句，而空格所在的从句中不需要名次性的成分，所以答案是B.
11．A．at a/the cost of…以。。的价格/以。。的代价
12. C. 空格所在的结构是跟在名词mistakes后面的定语从句， 因此答案是C.只有that可以引导定语从句。
13．A． 空格所在的局部结构是过去分词的结构作定语， 修饰前面的laws.
14．D． 空格前面说“以他人名义借款不还”， 这样最终的结果就是“毁掉他人的信用记录”。
15．B． 分析：(be)addicted to.。/沉溺于…