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Credit Report

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NEWS
Lynn Little | February 2, 2012
When was the last time you checked your credit report? What does your credit report mean to those who lend you money and credit? Not only does your credit report affect your financial life, it can also affect your career, education and the interest rates that lenders offer you. By periodically reviewing your credit report, you can see your payment history, understand how your credit is rated, prevent errors from going undetected and prevent delays...
NEWS
by LYNN F. LITTLE | June 7, 2002
Your credit history is a written record that summarizes what type of credit you have used and your history of making payments on time. You should want to know what your lenders are saying about you. Your credit report contains a great deal of information about you and you have a right to see (and should want to examine) a credit report that describes the information in your credit file. Reviewing your credit file/report is very important. You have a right to see your credit report from each of the three credit reporting agencies: Trans Union, Equifax and Experian.
NEWS
March 24, 2009
o To contact SALT of Washington County, call Deputy 1st Class James D. Holsinger at 240-313-2194. Senior citizens who are seeking information on how to protect themselves from exploitation and fraud can turn to a local organization for information and advice. The SALT Council of Washington County periodically conducts seminars on elderly exploitation and fraud, said Ronald Wayne Taylor, the organization's president. SALT is an acronym for Seniors and Law Enforcement Together.
NEWS
By Lynn F. Little | January 5, 2000
Building and preserving a good credit file is essential. Your credit record is a permanent one that starts as soon as you begin paying bills (e.g., rent, car payment) and borrowing money. Skip your bill payments, pay bills late or abuse your credit and credit companies will enter a black mark into your credit report. cont. from lifestyle Your credit report is distributed to someone to whom you apply for credit; for example, to buy a car or pay college tuition, and prospective employers even may request your credit report before they hire you. When you purchase big-ticket items like a car or a home, chances are you are doing it with a bank's money.
NEWS
By LYNN LITTLE | June 6, 2008
Consumers with credit scores of 700 or higher typically get the best interest rates on loans. Low-scoring individuals with a credit score in the 400 to 500 range might have difficulty obtaining a loan, might be required to make a larger down payment and might have to pay a higher interest rate on their loan. Payment history, debt-to-credit ratio and the types and amounts of credit available factor into credit scoring. Your credit score changes over time to take into account current financial behavior and past debt and payment history.
NEWS
By ARNOLD S. PLATOU | September 18, 2010
HAGERSTOWN -- Is it fair that people who have been bailed out of debt by the bankruptcy law get to be cleared of all of their debts again? And again? In five of 20 cases where the question was asked during a recent U.S. Bankruptcy Court hearing in Hagerstown, the debtor said he or she had gotten bankruptcy relief at least once before. In one case, a woman had gotten it twice before. "It used to be every six years you could file for bankruptcy. Now, it's eight," said Cheryl E. Rose, a U.S. Bankruptcy Court trustee in Maryland.
NEWS
March 30, 2008
Hagerstown Community College seminar Hagerstown Community College's Center for Continuing Education is offering the seminar "Your Credit Score: How It Works and How to Improve It" Tuesday from 6:30 to 8:30 p.m. at HCC's Valley Mall Center. Teresa Falcone of CTX Mortgage will conduct the seminar. Students will be provided with a free copy of their credit report, as well as a complimentary credit analysis. Topics include learning what a credit score means, how people score, what factors determine a credit score and how scores are weighted.
NEWS
September 5, 2004
Even the Federal Trade Commission concedes that people probably can't entirely prevent identity theft. But risk can be reduced if personal information is carefully managed. · Order a copy of your credit report from each of the three major credit bureaus and make sure it's accurate and contains only activities authorized by you. · Place passwords on your credit card, bank and phone accounts, avoiding easily available information such as your mother's maiden name, your birth date, the last four digits of your Social Security number or your phone number, or a series of consecutive numbers.
NEWS
December 2, 2002
Editor's note - Please be as brief as possible when calling Mail Call, The Daily Mail's reader call-in line. Mail Call is not staffed on weekends or holidays so it is best to call Mail Call during the week. The Mail Call number is 301-791-6236. You are welcome to leave a recorded message on any subject, but some calls will be screened out. Here are some of the calls we have received lately: "I was outraged when I saw the remark that some man left that said, 'sounds like another female driver to me that won't pull over the bus and let all these 20 cars go around it.' Well, for your information, sir, there are plenty of male bus drivers also.
NEWS
March 14, 2008
Classes for stepfamilies Active Parenting for Stepfamilies, a six-week series to help couples work together to raise children in a stepfamily setting, will be held 7 to 9 p.m. Mondays March 31, through May 5, at St. Ann Parish, 1525 Oak Hill Ave., Hagerstown. The video-based program will include topics such as communication and problem solving, nonviolent discipline and celebrating stepfamily successes. Come to as many sessions are you are able. The cost is $15 for individuals and couples.
ARTICLES BY DATE
NEWS
Lynn Little | February 2, 2012
When was the last time you checked your credit report? What does your credit report mean to those who lend you money and credit? Not only does your credit report affect your financial life, it can also affect your career, education and the interest rates that lenders offer you. By periodically reviewing your credit report, you can see your payment history, understand how your credit is rated, prevent errors from going undetected and prevent delays...
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OPINION
February 23, 2011
"As I was completing a job application I noted the employer wanted my permission to check my credit report. I have a degree, and the job would involve a great deal of need for honesty. Even though I have great credit, and we have always paid our bills on time, I would never allow or give permission to check our credit reports. It was my understanding this request was against the law. Can someone answer this?" — Falling Waters, W.Va. "Barbara Ingram lived her early years in Funkstown.
NEWS
By ARNOLD S. PLATOU | September 18, 2010
HAGERSTOWN -- Is it fair that people who have been bailed out of debt by the bankruptcy law get to be cleared of all of their debts again? And again? In five of 20 cases where the question was asked during a recent U.S. Bankruptcy Court hearing in Hagerstown, the debtor said he or she had gotten bankruptcy relief at least once before. In one case, a woman had gotten it twice before. "It used to be every six years you could file for bankruptcy. Now, it's eight," said Cheryl E. Rose, a U.S. Bankruptcy Court trustee in Maryland.
NEWS
March 24, 2009
o To contact SALT of Washington County, call Deputy 1st Class James D. Holsinger at 240-313-2194. Senior citizens who are seeking information on how to protect themselves from exploitation and fraud can turn to a local organization for information and advice. The SALT Council of Washington County periodically conducts seminars on elderly exploitation and fraud, said Ronald Wayne Taylor, the organization's president. SALT is an acronym for Seniors and Law Enforcement Together.
NEWS
By LYNN LITTLE | June 6, 2008
Consumers with credit scores of 700 or higher typically get the best interest rates on loans. Low-scoring individuals with a credit score in the 400 to 500 range might have difficulty obtaining a loan, might be required to make a larger down payment and might have to pay a higher interest rate on their loan. Payment history, debt-to-credit ratio and the types and amounts of credit available factor into credit scoring. Your credit score changes over time to take into account current financial behavior and past debt and payment history.
NEWS
March 30, 2008
Hagerstown Community College seminar Hagerstown Community College's Center for Continuing Education is offering the seminar "Your Credit Score: How It Works and How to Improve It" Tuesday from 6:30 to 8:30 p.m. at HCC's Valley Mall Center. Teresa Falcone of CTX Mortgage will conduct the seminar. Students will be provided with a free copy of their credit report, as well as a complimentary credit analysis. Topics include learning what a credit score means, how people score, what factors determine a credit score and how scores are weighted.
NEWS
March 14, 2008
Classes for stepfamilies Active Parenting for Stepfamilies, a six-week series to help couples work together to raise children in a stepfamily setting, will be held 7 to 9 p.m. Mondays March 31, through May 5, at St. Ann Parish, 1525 Oak Hill Ave., Hagerstown. The video-based program will include topics such as communication and problem solving, nonviolent discipline and celebrating stepfamily successes. Come to as many sessions are you are able. The cost is $15 for individuals and couples.
NEWS
March 7, 2008
Guitar Mini-Fest to be held April 12 Hagerstown Community College will host a Guitar Mini-Fest on Saturday, April 12 at 9 a.m. at Kepler Theater. The event will feature a host of musical workshops by several musicians, including Risa Carlson, Tobias Hurwitz, Candice Mowbray and Michael Raitzyk. Mowbray will host the event and was recently awarded a grant from the Washington County Council for the Arts. The schedule of events is as follows: · 8:30 to 9 a.m. - Participants check in. · 9 to 9:45 a.m. - Classical Workshop: Risa Carlson leads participants through warmup exercises and basic classical/fingerstyle guitar techniques.
NEWS
September 24, 2005
Thumbs up to Ellen Resh, her late husband Jimmy Resh and all of the the members of the Resh family who began Hagerstown's Union Rescue Mission 50 years ago and have sustained it since then. It has been a harbor for those made homeless by addictions and a place to turn their lives around. Thumbs up to the members of the board of directors of the Maryland Theatre, for their vote not to sell the facility and "not relinquish stewardship" of it. Now it's time for those who consider the theater downtown's crown jewel to come forward and help it prosper.
NEWS
September 5, 2004
Even the Federal Trade Commission concedes that people probably can't entirely prevent identity theft. But risk can be reduced if personal information is carefully managed. · Order a copy of your credit report from each of the three major credit bureaus and make sure it's accurate and contains only activities authorized by you. · Place passwords on your credit card, bank and phone accounts, avoiding easily available information such as your mother's maiden name, your birth date, the last four digits of your Social Security number or your phone number, or a series of consecutive numbers.
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