1. 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 up. 老师，这个“had”不用去掉嘛？直接说"…under the assumption that having trouble paying…"不行嘛？ 还有这个scant在形容词hard之前，不用变副词scantly嘛？ 2. The use of credit checks is growing at a time when the economy is making it hard for people to keep their records cleanly. 老师，"making it hard for people…"能去掉it嘛？