The challenge is about 28 percent of Black and Latinx families are credit-invisible, which means that you have a thin credit file or no credit file.

挑战是大约 28% 的黑人和拉丁裔家庭是信用不可见的，这意味着您的信用档案很薄或没有信用档案。

But of course, checking your own credit score, making sure there are no nasties in your credit file, absolutely essential, more than they've ever been for borrowers today.

但是，当然，检查您自己的信用评分，确保您的信用档案中没有任何不良记录，这是绝对必要的， 这比今天的借款人要多得多。

Now, with all these options, once you've spoken to your bank and you've agreed whatever method you know works for you both, then that will probably go on to your credit file.

现在，有了所有这些选项， 一旦您与银行交谈并同意您知道对双方都有效的任何方法，那么这可能会进入您的信用档案。