| Easy Steps to Improve Your Credit Score
(ARA) - Your credit score affects what type of interest rates you get on credit cards or for buying a house or car, as well as your approvals for employment or apartment rental. It's important that you understand not only what your score means, but how to repair it.Now you can get your credit score online.By viewing your credit activity on a regular basis you can remove any items that may not belong to you, which can negatively affect your score. If you have a low credit score due to detrimental items that need to be removed or fixed, there are steps you can take to remove them.GoFreeCredit.com teaches you how to manage your credit report and how to deal with credit bureaus and creditors. Credit monitoring, automatic notification of credit activity and a detailed personal analysis are all included in this online service.Many times people don't realize there is negative activity on their credit report.
POLICE BRIEFS
JACKSON : A car struck a utility pole on Hyson Road and overturned early Friday morning, police said.
The vehicle, driven by Thomas Pearcey Jr., 23, of the township, was traveling south on Hyson Road around 12:26 a.m. Friday when it went off the road at a curve, struck a mailbox, then a utility pole and then overturned, police said.
Pearcey was not seriously injured. He was given a summons for careless driving.
JCP&L crews had to cut service for about 20 minutes to the neighborhood to repair the pole.
Staff report
Burglar makes off with purse in car
MARLBORO: A burglar smashed the window of a parked car in the professional complex at 21 Kilmer Rd. on Thursday, making off with a purse containing $200 and some credit cards, the police said.
Steer clear of companies offering to fix your credit - Money Matters
Q: I'm 53. After years of taking care of my ill father, I've got about $17,000 in credit card debt. My interest rates have been jacked up because my credit rating is so bad. (I made some late payments during times my dad was in the hospital and life was crazy.) I've heard about places that can fix your credit. I'd like to get caught up on my bills but it's impossible with interest rates of more than 30 percent. Can these places really fix your credit rating? R.I., Lakewood A: Steer clear of these outfits. There are only three types of supposed credit-repair companies: Those that charge hundreds of dollars to write letters to the credit bureaus to dispute negative information on your report. If the information is accurate, it won't be deleted. If it's inaccurate, you can write the letters yourself at no charge.
Christmas shoppers use different means for payment
What�s in your wallet? The chances are better these days that it�s not a paper check.
According to the National Retail Federation, almost 40 percent of shoppers will rely on their debit/check cards to make purchases this holiday season while around 30 percent will be using credit cards and 25 percent paying with cash. Only about five percent will write personal checks at the cash register.
Whatever the choice may be, financial counselors, financial institutions, retailers and even shoppers agree that the debit card has become the most common method of payment.
However, Terry Zeltinger, president of United Community Bank, said there is not a �one size fits all� when it comes to paying for purchases.
�Every individual has a different set of circumstances and preferences for the method of payment that fits their situation,� Zeltinger said.
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