You are traveling to a business meeting and because you are not familiar with the area, you take a taxi from the hotel to the meeting site. The site is closer to the hotel than you realized and the cab fare is only $10, even after adding a generous tip for the driver. Your company's policy states that all actual expenses must be reported, but expenses under $25 need not be itemized with receipts. You report $20 for the cab fare and throw the receipt away. Have you violated any ethical standards

Yes you have violated ethical standards

Explanation:

The companie's policy is that all expenses must be reported. The taxi fare plus the tip were just $10 but you intend to report $20.

The company policy of not having to give receipt of amounts less than $25 is being manipulated to extort money from the company.

You were involved in a unethical practice where transport fare is reported as $20 instead of $10 for personal gain of the extra $10.

credit history is used by lenders to determine whether you are a 'risky' person to give their money to.

having a short history provide very little data for the lenders. they wouldn't be able to determine your credit behavior from such a small samples. even if they are perfect.

having long credit history with few blemishes provide larger and more accurate data for the lenders to predict your credit behavior.