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August 31, 2011     Sentinel Tribune
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i [i &lt;: ii!i00iiiiiii00ili;i00 ' n el Tril00tjn0 sifieds | To Place -- Phone 274-6136 or 1-800-410-1859 Westbrook Wednesday, August 31, 2011 Page 11 For Sale Housing Opportunity pro- vider. House for Sale: Two bed- room, central air. New car- pet/paint. Hardwood floor- ing. Basement family room. 608 Elm Ave., Westbrook. $62,500. Lee, 507-829- 3030. Betty's selling: Watkins prod- ucts and some Tupperware. Call 507- 274-6367; 456 Cedar Avenue, Westbrook. Rentals WESTBROOK: Pets wel- come! Two-bedroom units now available. Call Linda, 507-360-8959. www. lloyd- managementinc.com. Equal For Rent: 2BR, 1 bath. Appliances furnished, water and garbage paid. No smok- ing, no pets. Deposit with garage at Brookview Apts., 850 Adams, Westbrook. Call 507-274-5900. For Rent: One bedroom apartments at Westwood Apts., 801 8th St., Westbrook. Appliances, heat and garbage remov- al included. Call 507-274- 5624. Farm Equipment NEW & USED FEED MIXERS; scale repair, liners, augers, frighting, bearings, chain, etc. www.postequip. com. Post Equipment, Rock Valley, IA, 712-476-4500. For Rent: 2008 Neville grain hopper. 102" x 66" x 40'. All aluminum. $800/mo. Phone 507-920-5284. Services MCCARTY MOTORS "The Place To Go" for outdoor power equipment. Snapper, Country Clipper, Briggs & Stratton, Kohler, Tecumseh. 712-472-3257, Rock Rapids, IA. DENNY'S SANITATION can take care of all your dis- posal needs. Commercial, residential, farm pick up, roll off service and dumpster rentals. Call 712-472-2293. Wanted WANTED: SCRAP IRON, OLD CARS, etc. $155.00/ ton (subject to change). Roll-off dumpsters, certified scale. B&C Metals, Rock Valley, IA, 712-476-4500. Work Wanted CUSTOM LARGE SQUARE BALING. Alfalfa, grass & straw. No job too far. David Kramer 507-967-2140 or 507-360-9963. Your Legal Rights: Credit Scores Attorney General Lori Swanson Credit scores are used by credit card companies, auto lenders, landlords, and home mortgage lenders to predict the likelihood that a consum- er will pay their bills. They are also used by insurance companies to decide how much to charge people for homeowners and automobile insurance and by some employers. A credit score is different than a credit report, which contains credit account details. Credit scores are prepared by different national credit bureaus. These com- panies each have their own database on consumers and convert their data into a cred- it scoring system, which has a range that varies from a low of 300 points to a high of 990 points. A higher score means the consumer has better cred- it capacity. A lower score increases the likelihood of being denied credit or that the consumer will pay more for it. A common practice by lenders, known as risk-based pricing, is to impose higher interest rates on consumers with lower credit scores. Lenders and insurance companies use credit scores because they are inexpensive to purchase and easy to inter- pret. Credit scores have been criticized, however, because they can be gamed. According to one study, the predictability of credit scores has been reduced in recent years. In 2001, there was an average 31 point difference in the credit score of borrow- ers who defaulted on a loan and those who paid on time. By 2006, the difference was reportedly only 10 points. Credit scores are not only used by lenders. Landlords, employers, utility companies and insurance companies also use a variation of the credit score in determining whether to rent an apartment, give a job, underwrite an insurance policy, or hook up electricity. The credit bureaus keep secret the exact formulas they use to calculate a person's credit score. The industry, however, has launched an educational website, www. scoreinfo.org, that explains the factors that influence a credit score. According to the website, approximately one third of the credit score is based on timely payments to credit card companies, auto lenders and home mortgage companies. For example, if a defaulted account is reported to an individual's credit file, 70 fi 120 points are subtract- ed from the score. Another 30% of the score is based on the ratio of the consumer's entire debt to the total debt limit available to the con- sumer. In other words, a credit score improves if the consumer pays off debt and has higher but unused credit available. A consumer who has a credit card balance of $3,500 on a credit card that has a limit of $5,000 is using 70% revolving credit capaci- ty. This reflects more poorly than having a balance of $1,000 with a credit card limit of $5,000, which means the consumer is using 20 per- cent of credit capacity. Approximately one tenth of the score is based on the length of the credit history. The longer the consumer's credit history, the higher the score, with a 20 year history being the most advantageous. Another ten percent of the score is based on the type of credit: the more varied the credit-such as installment, revolving, mortgage or con- sumer finance-the more like- ly that the consumer is deemed to be able to manage debt. Finally, another 10 per- cent is affected by recent inquiries on the consumer's credit. This means the credit score drops if numerous inquiries from different cred- itors have been made. In addition to a credit score, banks and credit card issuers have been considering impos- ing other behavioral patterns before granting loans, such as checking account manage- ment, employment history, and property values. A credit score can be diminished by several fac- tors. Credit scores are nega- tively affected by bankruptcy, short sales, missing pay- ments, late payments, closed credit cards, too much credit, maxed out credit limits, lack of variation in types of credit, and referral of accounts to collection agencies. For the most part, negative marks remain on a credit report, an6 therefore affect a credit score,. for seven years. This is truc except for a bankruptcy, which remains for ten years. There are several things consumers can do to improve Hearing loss could lose you much more than you think. Hearing loss can cut you off from people you love. If you think that you are losing your hearing, go see a hearing health professional to find out the options available BETTER' : ...... to re- connect you HEARING +<  with the world. I N S T l T U T E Get a flee "Guide to Better Hearing" and o&cr help at betterhearing, org 1-800-EARwELL their credit scores. When you receive your credit score, examine the "reason codes" that state the grounds why a score is not higher. To boost a credit score: *pay your bills on time *become current and stay current on any missed pay- ments *talk with your creditors about reducing your monthly payments *do not open a lot of new accounts rapidly only open new accounts as needed *keep balances low below 25 percent of the cred- it limit on credit cards and other revolving credit *pay off debt rather than moving it around Also, remember that: *A long credit history is important, so use old credit cards to pay for small pur- chases or for a recurring bill. *Ask a lender to re-age a troubled account, which means, if the account is still open, to erase prior late pay- ment records if you make a series of a year or so of on- time payments. *'When deciding to make a big purchase and buying a credit score, ask the lender for the name of the credit score that will be used to evaluate your creditworthi- ness. *Dispute old debts with the credit bureaus. *Routinely check the accu- racy of your credit reports at the three main credit bureaus and correct any errors that may be found. *The worst approach is to ignore credit problems, because they will not go away. While credit scores can be improved, it is important not to use credit repair compa- nies. These companies offer to improve your credit score or lower your interest rates for a fee. Unfortunately, these companies hardly ever improve a consumer's credit- worthiness. Two organiza- tions that can assist you in locating a reputable nonprofit credit counseling agency are the Lutheran Social Services Financial Counseling Service and the National Foundation for Credit Counseling. You may contact these organiza- tions as follows: Lutheran Social Services Financial Counseling Service (888) 577-2227 www.cccs.org National Foundation for Credit Counseling (800) 388-2227 www.nfcc.org The Fair and Accurate Credit Transactions Act of 2003 requires credit bureaus to give consumers a free annual report. You can obtain your free credit report at www.annualcreditreport. com. Effective January 1, 2011, lenders who charge a borrower a high interest rate on a loan have to give to the borrower a "risk based" price". MN Online High School Small school Unique courses Responsive teachers 1.800.764.8166 x 111 info@mnohs.org On Augusl 12, 2011 DnPon! recalled IMPRELIS, an herbicide dtat damages pines and certain ether trees. If you have lost Irees following treatment with IMPRELIS, call lhe attorneys at JOltNSON//BECKER tot a FREE consuhalion. 1-888-946-1824 ' ilif - lllt Foundation Repair. I ; I Coupon good 'til September 30, 2011. Not valid with any ether promotions or discounts. \\; l- == == ==..m  .== ==  m=   =.  m= m.  =l Once in a lifetime DREAM oppty to custom build your home time from various full and part-time options! Get paid TODAY for what you hauled yesterday! Daily or Weekly Pay options[ New trucks or trucks under 3 years old Complete benefits pkg w/401 (k) CDL-A w/3 months current OTR exp KNIGHT i .m,m, TR A N S po RTATI O N Your Homet National Carriro CLASSIFIED ADVERTISING All classified ads for non-established accounts must be pre-paid (or charged to Visa or Mastercard) before running. Not responsible for errors in ads taken over the telephone. NOTICE RESPONSIBILITY: Please check your ad after the first insertion and bring any errors to our attention immediately. Corrections will be cheerfully made. We are not responsible for errors beyond the first insertion. If you fail to notify us, the publishers liability is limited to cost of the first insertion of the ad. INVESTIGATE before you invest. The Sentinel Tribune does not knowingly accept fraudulent or decep- tive advertising. Readers are cautioned to thoroughly investigate "Business Opportunity" and other ads which require an investment. CLASSIFIED AD DEADLINE 9 a.m. Friday THANK YOU Many, many thanks to our kind and loving family for hosting a birthday supper for me at Dean and Lois' lake home. Beautiful eve- ning, complete with pon- toon rides and ice cream cake! God's best bless- ings on you all! ! ! ! ! Grandma Warner 187238 THANK YOU Thank you to the Westbrook Good Samaritan Center for their generous donation of a dishwasher to the Westbrook Community Center. ,s7232 City of Westbrook 4 LP 00IIANT D1 Part-Time Custodian WWG School ISD #2898 is accepting applications for a Part-Time Custodian position. Approximately 15 hours per week at the Westbrook Tech Campus. Position open until filled. Please stop by the school for application. Please contact Loy Woelber at (507) 274-5450 228853 Full time custodialmaintenance position Tracy Public School is looking for a self-motivated, hard working individual Qualifications: Boiler license preferred or willingness to get This is an evening position and some weekends Summers are day shift Maintenance experience helpful or mechanical aptitude Ability to lift 50 pounds, responsible and honest This jobis primarily cleaning, setting up and tearing down for special events, and maintenance repair work w ........................................ ........... OK AG POWER I ;stoki MN i Ph, 507;274 6101 f 800-414-9569 www.driveknight.com