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Show Via- . .'rli I The Sampler, Oct 4, 1985 wmmini daw Mrs. Becker had been cord." It gives a creditor us- ing her husband's department store charge card for several years. The charges were billed to her husband, but she took responsibility for paying the bills on time. Recently she applied for her own credit card from the store and her application was denied. The reason? The store had no record of her g history on her account husband's Bess Fenton, a young single woman, recently moved to the West Coast to start a new job. She applied for her first credit card with a national oil company, but since she had no record with the local credit bureau, her application was denied. Her question: "If it takes credit to get credit, how do I be, bill-payin- . gin." You may have faced simi- lar problems when you plied, for credit. Each year, many women are denied cre- dit because they cannot show how they have used it. A good credit history is the way most companies predict your future success in using credit. The record of your payment on credit cards, charge accounts, installment loans, and other credit accounts is how you get a "track re evi- dence that you're a good risk.-..- . Two federal laws give you specific rights that help your credit history and make it cre- easier for you to obtain "': The Equal Credit Opportunity Act (ECOA) prohibits a creditor from discriminating against you on the basis dit : Buying I ; of sex or marital status in any aspect of a credit transaction. The ECOA also, for-- : basis of race, color, age, na- bids discrimination on the. be- tional origin, religion, cause you receive public as- sistance payments, or because you exercise rights under federal consumer credit protection laws. The Fair Credit Reporting Act (FCRA) protects consumer privacy and safeguards the accuracy of credit bureau reports. You can call the local Credit Bureau and ask for a copy of your report. You should know what it is in your report in case there, are any errors. Some credit references may not appear in your file simply because the creditor may not report the information to the credit' bureau. Some creditors only report delinquent accounts, so accounts with good payment histories may go unreported. - Acme Department Store Credit Division Most ' national credit care 123 Third Street actheir companies report to credit counts Cincinnati, Ohio 70239 bureaus, but many local creditors do not, Dear Sin If a creditor has failed to to information your supply Under the. Equal Credit Opportunity Act, I request that credit file, or if you have never had credit in your own you report all credit information on this account in both names. file" "ho can a Ac name, report count No. cause your application to be rejected. If you have never, Your name, address. Your husband's name. had credit, start building a now." record good The ECOA also gives you the right to know the specific A local bank or departreasons ment store may approve credit was refused. If the denial was based on the ' your credit application even credit report, you are entitled to know the. specific information in the. credit report The bureau cannot charge for if you do not meet, the standdisclosure if you ask to see your file within 30 days of beards of the larger creditors. If you have shared accounts ing notified of a denial. with your husband or former husband,- visit or call your local credit bureau. Be certain you have a credit file in your own name that lists these accounts. If JTsT ' PV&KV credit information was reported only in your husband's name, the credit bureau may be. willing to add references to your file. If you are married, but want to establish a credit history in your own name, simply write your creditors and request it. Creditors have an obligation to provide history in both names when accounts are shared. Use this format CONSUMER TIP: All those plastic cards in your wallet may look alike, but RIDING i r - par- ences to keep in mind ticularly if they end up lost or stolen. When you lose a credit card, you can be held re- - mm , ors or buyers looking for homes should check with local real estate agents for information on properties that may be for sale by the Veterans Admin- istration, according to Salt Lake City Regional Office Director Douglas Wads-wortPotential purchasers need not be veterans to qualify, h. lam-tbh- . VA properties for single-famil-y BIKE YOuHWC IRJflL- THERE WAH.MYDAD Js ciated with name brand items which usually makes generics less expensive than their national trademark Public Swvlcc of AARP Criminal JusHc Senrfca ... YOU'D BETTER WATCH1 DIDN T IT WOULD ONLY TAKE A MINUTE jTM INK A rI OUT FOk IT. competitors. Most commissaries are active participants in offering generic goods. Products are sold based on shopper's de- liability amount. A debit card is directly tied to your bank account, so that when you use it the money is immediately withdrawn from your total. Under the law, the $50 limit applies on debit cards only if you report within two business days that your card is missing. If you dont make Imrti j I irf I """' ruu r.it ii' iraim ifc i 11 .been taken from your bank 'account (as well as any money that might be taken from sale offer financing although veterans can apply as well. The VA will provide competitive financing on most of the properties, and . down payments are low. . Wadsworth said closings can usually be scheduled within 45 days. Cash purchasers may be given preference and offered a discount off the listed price. The houses were formerly securloans ity for VA-guarante- ed an erroneous transaction, .you may be held responsible for all the .money, that has an attached overdraft sires. But stocking generic foods like pork and beans, tea and fruit drinks and household commodities such as detergents and bleach, is limited to 75 items, excluding cigarettes. Speaking of cigarettes, commissaries play host to a full selection of generic smokes. While the assortment is not limited to one manufacturer, duplication of a specific item (example,, menthol 100 or regular 100 cigarettes) is not allowed. TSA officials also said the reorganization of commissary sales floors worldwide will move generics out of their own special section in the facility and next to their name brand counterparts. This will let customers make price comparisons to see if they, indeed, save by buying generic goods. So, oil, your next visit, to the commissary think about selecting generics. It's shopping which could mean considerable savings at the check-ou- t counter.. no-fril- ls Troop Suport Agency. and range from basic to ditional colonial to contemhomes. porary ranch-styl- e "VA properties for sale are located in every state' Wadsworth said, "all our regional offices with Loan Guaranty Divisions publish listings that state the terms and conditions for sale. In Salt Lake City interested persons should contact local real estate offices. They have complete VA information. tra- - - mm? ; Generics are goods not sold in fancy containers or with costly advertising asso- a report, you can be liable for up to $500 that's taken after that two day period. And if you still fail to report the loss 60 days after receiving a statement listing w mMm Salt Lake City area invest- cent. automated teller machines -are not covered by the same I iiiiTifriiii - can save called generics you between 12 and 33 per- sponsible for $50 at most, whether or not you report the loss, But many consumers fail to realize that debit cards such as those used in there are Important differ- A BETTER WATCH WIS FWl I'D BIKE UNTIL ME COMES You see those boxes and cans lining commissary shelves with the stark white or yellow labels with bold black lettering simply stating "macaroni" or "pudding". But what do they mean to you? Officials at the U.S. Army Troop Support Agency say that buying these products -- Owners of lost, stolen credit cards may pay By Alex fOAY FOR J Etfl 1 up to 33 - . THELMA THWARTUM generic OIL FILTERS m Buy a John Deere Chain Saw and the free Stetson' may come in When you buy a John Deere chain saw, we 11 gixfi you a Stetson hat! Just tell us you want to "ton off' your chain saw purchase with a Stetson. Nothing less than a quality Stetson would be appropriate for John Deere chain saws. Choose from ten different models. All are available with sprocket-nos- e guidebar 14 to 27 inches long and have rugged ' cutting action. Stop in today, buy a John Deere chain saw and top it off with a Stetson, Offer expires December 31, 1985. HD SHOCKS MbbyGafarial UfsdmaWananty MostappUcations OFF ANY SpakPlugs ' w SPARKPLUGS OR RESISTORS REGULAR MOSTAPPUCATIONS AOOmONM.28 UMTT KRPLUa MPRREBATf YOUR CHOICE AVMLAOLION CHAMPION PLUOS OIL AIR FILTERS FILTERS : umr-" MOST POPULAR IMPORT A DOMESTIC APPUCATION8 for -- TCOELG 002-246- 4 MAIM, TOOIU.SSa-MM- '. 173 NOaTH if-:- -' - $joo ' OFF Belts Radiator All & Mi 75 North Alcin, Tooolo FILTER oniutDlite handy 1 um EACH Hoses Available at all participating stores Summer puts an extra strain on belts. Today's belts don't show wear the way they used to. Even an experienced mechanic can't always tell if they are about to go, just by looking. After four years, even the best belts can go at any time. So, if your car is four years old or more, change the belts. And be sure to ask for Gates. We carry the complete line of top quality Gates belts. |