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Show L tE Wednesday, November 10, 1999 lt Cinua-cbi- Page 9 Nephi, Utah B help you set up a realistic ery negative item in their file, whether or not it is accurate. The H ii i) ii objective is to overwhelm the established credit reporting system so that credit bureaus and credit granters will be unable to verhaving ify the data within a reasonable trouble getting time. Ifthe credit bureau cannot the disputed item promptcredit, will a credit verify ly, the FCRA requires it to be doctor help? deleted from the file. Before you hire a credit repair Answer by: Barbara Rowe, substantiated, the information its reputacompany, Utah State University Extension must be removed. However, if the tion and investigate with the performance only Better Business Bureau. AlFamily Resource Management information is accurate, time can remove it. ' Specialist many credit repair comIf you are having trouble getIf you turn to a credit bureau, though results to their panies guarantee ting credit, ads that promise to watch for hidden costs. Consum- clients on a money-bac- k basis, fix your credit history or clean up ers who turn to credit clinics or remember a guarantee is that your credit report may sound like credit doctors for help in fixing a only as good as the company that the answer. Such businesses may bad credit history might find that stands behind it. If you have aloffer debt consolidation loans, consolidation or other large paid a credit repair comloans have high hid- ready and debt counseling, debt reorganiza- short-terbelieve that it made tion plans that are "guaranteed den costs and may require your pany false promises, check with the to stop collection efforts or cred- hbme as collateral. consumer protection office. They Businesses offering debt counit report "cleanups. Before you may be able to help you get a repay for these services, consider: seling or reorganization may fund. Do it yourself. Under the Fair charge substantial fees or a perIf you are currently having Credit Reporting Act (FCRA), centage of your debts but fail to problems paying your bills and you have the right to learn whats follow through on the services need help, contact the companies in your credit report. If you have they sell. Some may do little to which you owe money and try been denied credit based on a more than refer you to a bank- to work out an adjusted repayreport from a credit bureau or ruptcy lawyer, who charges an ment plan yourself or get in credit reporting agency, the cred- additional fee. Credit doctors touch with Consumer Credit itor must provide the name and advertising voluntary debt reorCCCs counselors Counseling. address of that credit bureau. If ganization plans or Chapter 13 will to arrange a repayment try you contact that bureau within relief may fail to explain that that is acceptable to you and 30 days, there is no charge. If Chapter 13 debt adjustment ac- plan your creditors, and they will also you simply wish to learn what is tually is a form of bankruptcy, lb in your credit file, check the Yel- qualify for it, you must have reglow Pages under Credit Reportular sources of income and a plan ing Agencies. If you have not for repaying your creditors that been denied credit, the bureau meets the approval of a bankwill charge a small fee to give you ruptcy court. Some credit clinics clean up file information. If you find inaccurate informa- files by exploiting consumer protion in your file, contact the cred- tection built into the Fair Credit it bureau. By law, they must in- Reporting Act. They instruct convestigate and, if your claim is sumers to dispute each and ev- - bud- get Direct column topic questions to: Donna Falkenborg, Utah State University Extension, 0500 Old If Im Main Hill, Logan, UT Phone 84322-050- 0. fax: 3; 435-797-787- 3; donnafext.usu.edu. Children in need receive toys via motorcycle group Jon Plante, Ash Grove employee, participated in a 25 year tra- cle in Springville. Jon collected donations from dition this past weekend, as he Plumbing, Mt. Nebo Thriftdelivered toys donated by area way, Norms Dollar Discount merchants on his 1951 Harley Nephi Lumber and Ben FrankDavidson motorcycle to Primary lin. Gregs Forks & Frames, Childrens Medical Center in Mona, also donated a battery for Salt Lake City. Jons bike so he could make the Jon was invited to participate trip, along with hundreds of othWild turkeys will be released by another Nephi biker. Merlin er bikers throughout Utah. in the Nephi area on Nov. 16, Allen. The pair left Nephi early The kids were very happy to with a second release on Nov. 19 Saturday morning to meet with see the bikers arrive with the just outside Las Vegas, Nevada. a group from Legends Motorcy toys. The National Wild Turkey Federation in cooperation with the Utah Division of Wildlife and the California and Nevada departments of natural resources will be releasing wild turkeys to re- Yild turkey releases just in time for Thanksgiving m 4-- D store the population. This is something new and exciting for Thanksgiving. The releases will provide great photo opportunities with school children who are present to take advantage of the educational opportunity. The Governor of Utah is expected to attend the Utah release. V W- Check us out at www.nephitimesnews.com Jon Plante Cecil James earns Doctorate Cecil Dean James has been Philosophy Engineering Manawarded the degree of Doctor of agement by the Board of Governors of Western University. The Universitys research committee gave final approval of his dissertation titled "The Complex iWn nl W Adaptation of Higher-OrdSystems on September 30 of this year. Dr. James researched the complex cultural dynamics that mimic the dynamics comprising biological ife ahd its impact on an enterprises organizational model. A significant part of his research was a computer simulation using genetic algorithms to collaborate hypotheses from the theories of Complexity and Autopoiesis. Dr. James lives in Nephi with his wife and three children and is a consultant with General Electric Power Services. er ic: 01 i , ,. V v ( Tto c::ur ZZX&zr.zd Di;!tel Satellite TV System b EST C3-Ite- te Pten. Piss, now gst your local chsnncb trerfft Rrtf xtt Cte E2M Czjl Cteitel Cresdsss! JLL Cerate 3 t WEEKLY BN Ota-M US KTV Ft fw M. (b t Ail CM TV ON Nm C9N . JK Caw, MM It. 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