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Show 4W The Salt Lake Tribune, Sunday, October 10, 191 Park free at No loan? open your credit file Want to peek at the information credit bureaus send cut about you? Trulh-in-Cred- it recently legislation its at 26 Walk-Ove- W. Broadway. It s So Convenient! for rs i as a reference. Either way, review your file. If you find their erroneous information, you can request the bureau to Second, visit the bureau or reinvestigate the report. other source, report that you If you dont agree with the w ere denied credit, and ask to new report, you can file your First, ask XYZ Store's credit manager where he received his information. He may have called the local credit bureau. Or he may have called ABC Store, if you had listed them By Merle Dowd Main Mall. Enter XYZ Store must reveal source of information. side of the controversy along d with exhibits limit). The bureau must report both (100-wor- sides j when answering requests for information from your file. if Third, owe Who through 9. A 1 rating means usually "paid as agreed, within 10 to 30 uays for an open account. A 2 means payment 30 to GO days following billing. And so on. A 9 rating? That is reserved for persons known to have skipped out on bills, gone through bankruptcy or bought goods that were is A second classification the revolving credit account, common with oil companies, department stores, and bank card systems. The third classification covers certain instalment contracts by which you pay so much per month for so many months. Paying on each Either style 23.95 Sizes above 10 - $1 more Walk'Oiwftk Quality Shoes, Hosiery and Handbags Sait Lake City 214 South Mailt Open Mondays til 9 p.m. By Carolyn Monson Tribune Staff Writer Lin Hoopers students got a surprise last week. Their teacher wore a special dress designed and made for night, Oct. 21. Lins first graders, all 32 of them, had a hand in designing the fabric. Lin brought kettle cloth to school, spread it out on a big table, marked off squares and let the kids draw anything they wanted date due earns a rating of If How long must you live with hum credit? Information on straight bankruptcies remain in your file 14 years. Records of ' suits and judgments remain on file 7 years along with records of accounts tu.ned over for collection, bad debts, arrests, indictments or convictions, and plans. Suppose XYZ Department back-to-scho- with each child allowed two squares. d d Armed with pens and their own imaginations the Uintah School students went to work. It's pure entertainment to look at Lins original dress. There are horses, people, barns, houses, flowers, birds, cars and even a rocket from hem to neckline. Some squares are signed. Others obviously preferred to be identified by their art alone. Mrs. Hooper has 33 students in her class. One was absent designing day but that still left a lot of squares. So, there's a matching handbag, as well. Oohs and aahs greeted the teacher as students realized that this was their dress. And, laughed Lin, All day long I had little people following me around trying to find their particular picture." multi-colore- wage-earn- you harge purchases, but you behove your credit is good. You suspect a reporting error. Here's what you should do. c DAY ladies plan party luau is Disabled American veterans Auxiliary, Argonne Unit 2, Saturday at G:30 p.m. at the chapter house, 13S1 S. West Temple. Dancing is scheduled afterA fund raising the by planned felt-tippe- Easy Clean Ovens Besides ovens that automatically, there are n ers with easy-to-clea- clean othfea- tures. These include those with foil or Teflon liners, removable door, rack guides, and panels. Watch for these pluses when shopping for a new range. Once an owner, keep the surfaces dean with frequent sudsing and the ne- cessity for hard scrubbing w ill be minimal. ward. Mrs. Charles A. Smith, commander, is general chairman. Assisting are Mrs. K. D. Mrs. Mabey, Orir. P. Morgan, Mrs. Jack O. Bills, Mrs. Harold Miller. Mrs. Tracy Astle and Mrs. Clive Johnson. Cruise the JV r J a. . . La Guaira, Venezuela lsla de Margarita, Venezuela Port of Spain, Trinidad San Juan, Pu?rto Rico Whitney TRAVEL SERVICE VURRAY FIRST TFhlFTB. ID1.. S.AU LAK I U V. U I AH PH. jib NR ACE bra... just t tumble-dr- y machine-wash- , and wear. Cotton velour guard inside center front prevents digging. VISITS TO 8 PORTS. MEETING SPECIAL PRESENTATION-ORIENTATIOMONDAY, OCTOUER 11. CALL FOR RESERVATIONS Perma-Pres- medium, Irinidad Pnov per pel son based on double occupancs and selection of stateroom a Flat flexible underwire gives ideal separation .and support. FEB. 5 -- 20 with Sid and Kitty Cohen heres what you can look forward to for only $1235 Round trip transportation to Ft. Lauderdale, hotel and dinner Feb 5. Fourteen days aboard Paquet Lines M.S. Mermoz. St. Thomas Virgin Islands Philipsburg, St. Maarten Martinique St. Georges, Grenada Its Caribbean See the Carnival in 51 Navy Tortoise Luscious Grape Dress as pretty as a picture paj-men- TRAU I TV IJSSO.VAIN Fall Brown Red Lin Hooper models dress students painted. repossessed. Three Account Types Numerical ratings apply separately to three tjpes of accounts open billing with t in full after each billing. Payment within the guidelines is considered paid as agreed. hiau-typ- e Black Navy Red Mtrift Dowd' "Spending Plan Anal yis Worksheet" showing average family spending In various expenses categories at three different income levels Is now available. This useful worksheet enables you to compare your expenditures with the averages and thus determine the areas where savings can most likely be made. Send 20 cents to Merle Dowd, MANAGING YOUR FAMILY'S MONEY, in care of Home Service Department, Salt Lake Trtoune, P.O. Box 867, Sait Lake City, Utah 84110. Please indicate "Spending Plan." Allow 3 to 4 weeks for delivery. Identify Yourself When you visit a credit bureau, you 'must first identify jourseif. A representative will then review your file with jou. It will include personal data (name, address, employment, etc.). Credit information reflects your experience with creditors, time taken to pay bills, any bankruptcies, collections, repossessions afany information that could fect a merchants decision to extend credit. codes your One system paying performance from 1 let infor- order information. Anjone who willfully obtains a credit report under false pretenses can be fined up to $3,000 or imprisoned for or both. a year furnish. to can obtain credit Black Fall Brown mation abo"t you? Tata from your file will be disclosed only to persons or organizations considering you extending credit, hiring you, or insuring you. You may authorize (in writing) the bureau to release information, or a court may report. if you have been refused credit, you can review your file and correct erroneous information without cost as long as you take action within 30 days. If youre just curious, jou will be charged a nominal iee. Central credit bureaus are not the only firms covered by law. Stores, banks, or ether firms must also disclose the credit information they refuses bureaus employment information with- in the past 2 years or anyone who received credit reports within the past 6 monihs. lifted the veil from jour credit records. Now you can examine jour confidential file, correct errors of fact, find who has requested information fiom your record, and Ide your side of a disputed Store the reinvestigation finds the first report was wrong, you can ask them to send corrected facts to anyone who requested SPECIAL GROUP Nylon and Lycra spandex stretch sides and back give flexible fit. 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