passage 26
the reliance on credit reports in hiring is becoming widespread a survey by the society for human resource management found that 60% of employers do credit checks for at least some positions.
the use of credit checks is growing at time when the economy is making it hard for people to keep their records cleanly.(1)____(2)____ issued last week by the american bankers association, driven by a weak job market and rising food and gasoline price.(4)____
the biggest flaw with the use of credit checks in employment screening is in that it makes it difficult for many good people who need work to find.(5)____(6)____ employers who do credit checks operate under the assumption that having had trouble paying bills is a character flaw, but there is scant hard evidence to back this down.(7)____
many credit problems are due to factors outside of a person's control. sarah ford, an attorney with the lawyers' committee for civil rights under law, old a house committee last year which credit reports failed to provide insufficient context.(8)____(9)____ "a credit report would not explain that a factory worker lost his job when his employer went out of business," she said or that "a man's credit was destroyed so he was the victim of identity theft or a predatory lending scam."(10)____ or that "a woman lost her job and her health coverage before developing breast cancer and incurring astronomical medical bills."
文章大意
本文讨论的是在招聘中查看信用记录的话题。在招聘员工时查看其信用记录报告的做法越来越普遍。如今的经济危机使人们很难保持良好的信用记录，而检查信用记录在这一时期得到广泛使用。这一做法最大的缺陷是它使许多善良的需要就业的人很难找到工作。查看信用记录的雇主认为难以支付账单是一种品德缺陷，但很少有确凿的证据来支持这一点。许多信用问题是由外部因素引起的。
答案详解
1．∧timea词汇错误。此处的time是可数名词，意为“某个时候”，前面需加上冠词。此句的意思是“经济危机使得人们很难保持良好的信用记录，在这个时候检查信用记录的做法正不断发展。”注意，at the time意为“当时，那时候”，表过去的一个时间点，与上下文语境不符，故此处不能用。
2．cleanlyclean词汇错误。此处要用形容词作keep的宾语补足语，cleanly作形容词时，意为“讲究清洁的，爱干净的”，此处与上下文语境不符，故要用形容词clean。clean除有表“干净的，清洁的”一般意义以外，还有“无过失记录的”含义，此处意为“保持良好无拖欠的信用记录”。
3．arisingrising词汇错误。arise意为“出现，发生”，rise意为“上升，上涨”。此句的意思是“根据美国银行协会上个星期发布的一份报告，受疲软的就业市
场和上涨的食品和石油价格的影响，贷款的不法行为比率一直不断上升。”故此处应该用rising。
4．priceprices语法错误。此处指的是food and gasoline两类商品的价格，应该用复数形式。
5．inin划词汇错误。此处that引导的是表语从句，意为“招聘员工时查看其信用记录报告这一做法最大的缺陷是它使许多善良的需要就业的人很难找到工作。”故不需要in。in that意为“既然；因为”，引导原因状语从句，用法相当于because。
6．find∧it语法错误。血讨是及物动词，需要一个宾语。此处表达的意思是“使许多善良的需要工作的人很难找到工作”。因此这里find的宾语是work，但work已在定语从句who need work中出现，故此处用it来指代。
7．downup词汇错误。back down意为“放弃对某事物的要求；屈服”，back up意为“支持”。此句的意思是“查看信用记录的雇主认为难以支付账单是一种品德缺陷，但很少有确凿的证据来支持这一点。”故此处应该用back up。
8．whichthat语法错误。此处是宾语从句，从句中结构完整，不缺少任何成分，因此用从属连词that来引导，该从句作谓语动词tell的直接宾语，that不可以省略。
9．insufficientsufficient语篇错误。此句谓语是动词短语fail to，表示“不能，未能”，具有否定的含义，根据下文所举的三个案例，说明信用记录报告不能提供充足的背景信息。因此此处应改为sufficient，意为“充分的，充足的”。
10．sbecause语篇错误。由上下文语义判断，句间逻辑关系是因果关系，前句说一个人的信用受损，后句说他是身份盗窃或掠夺性贷款诈骗的受害者，后者是前者的原因所在，故用表原因的连词替换so。注意，此处不能改为as和since，虽然两者都可以表示原因，但所表示的原因都是不言而喻、显而易见的，此处的因果关系并非能直接推断得出。而for表示自然而然地推断出原因，此处句意还不够明显，故用because。