A negative credit history can harm a person's ability to find a well-paying job in the United States.

负面的信用记录会损害一个人在美国找到高薪工作的能力。

So, having a low, or bad, or negative credit rating is to have a number that indicates that you have had problems paying your bills on time in the past.

因此，拥有低、差或负的信用评级就是有一个数字表明您过去在按时支付账单方面遇到过问题。