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Unit 1
: Lesson 3: Your credit report
Grammar review 
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A conditional sentence
has two clauses, a dependent clause beginning with
if and
a main clause.
Real conditional
— the situation is true in the present and will
possibly happen in the future. Use the simple present
tense in the “if clause” and the simple
future tense in the main clause.
Example: If you apply for
a mortgage loan, the mortgage lender will send
for your credit report.
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Combine the sentences using the real conditional.
Example: Mr. Nguyen wants to have a
good credit rating. Then he should pay his bills on time.
If Mr. Nguyen pays his bills on time,
he will have a good credit rating.
1. Manuel wants to show that he pays his
bills on time. Then he should collect records
of cancelled checks or make copies of monthly bills.
2. The Moreaus want to be able to buy
a house someday. Then they should start saving money in
a savings account.
3. Fred wants to get a loan to buy a car.
Then he should have a good credit report.
4. Tran wants to improve his credit rating.
Then he should pay his Excellent Credit Card bill.
Writing
Some credit reporting agencies will not
charge you for a credit report. Find one in the yellow pages
of your phone book under “Credit Reporting Agencies.”
Then, write a short letter to the agency to request your
credit report.
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