What is one way employers get employees to participate in a 401(k) 1. By requiring them to participate unless they opt out

2. By requiring them to opt in if they want to participate

3. By giving them an annual pay raise

4. By giving them a signing bonus when they participate

answertrue;

what is the actual question i have no idea how to answer this w/o a question

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.