这些公司收集个人所有信贷使用记录，包括账单支付，抵押贷款和信用卡。
The companies collect a history of all credit use by an individual, including payment of bills, mortgages, and credit CARDS.
在2001 - 02年期间，抵押贷款的利率降低到了历史记录的最低点，成百万的美国人购买了住房。
From around 2001 and 2002, with mortgage interest rates at near-record lows, millions of Americans went shopping for homes.
迄今为止，造成的主要损害集中在次优抵押贷款市场，这种贷款主要借给那些收入太低或者信用记录不良，以至于没有资格获得普通抵押贷款的人。
Most of the damage so far is in the "subprime" mortgage market, which lends to people whose income is too low, or whose credit history too patchy, to qualify for an ordinary mortgage.
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