How to fix errors on your credit report

first_img 47SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Myriam DiGiovanni After writing for Credit Union Times and The Financial Brand, Myriam DiGiovanni covers financial literacy for FinancialFeed. She is also a storytelling expert and works with credit unions to help … Web: www.financialfeed.com Details If you’ve received your free annual credit reports from all three credit bureaus, all that information may feel a bit overwhelming, especially if you find errors.If there is something incorrect on your credit report, here is how to fix it.Do a line-by-line review: According to the Consumer Financial Protection Bureau, be on the look out for these common reporting mistakes:Identity errors: Is there a phone number, address or name you don’t recognize?Accounts that don’t belong to you. Maybe it’s information that belongs to someone who has a similar name.Accounts opened as a result of identity theft.Incorrect account status: This includes closed accounts reported as open, you being listed as an account owner rather than authorized user, duplication of debt, and/or wrong opening, payment or delinquency date.Right account number but wrong balance or credit limit listed.How to fix errors: First, you’ll want to contact the credit bureau that has the error online, by phone or snail mail. Explain in detail why the information is wrong and include copies of any supporting documentation. Once it is received, in general, the bureaus will investigate and respond within 30 to 45 days. The only way an investigation won’t happen is if your dispute is ruled “frivolous,” and you’ll know if that is the case within five days. You’ll also want to file a dispute with the company that made the mistake so they can provide updated information to the credit bureaus. If they made the error, it is their responsibility to contact the credit bureaus and provide the corrected information.If the investigation is not in your favor, you have two choices.Ask that your disputed claim summary be included in your credit report, orFile a complaint with the CFPB at www.consumerfinance.gov/complaint.last_img read more

Hilltop Assisted Living Facility: Residents with COVID-19 display mild symptoms, remain isolated

first_imgFor more info, click here. Additionally, Patti wants to remind the community that the safety of residents and staff is their top priority, and they are working hard to follow protocol to prevent the spread. Patti says that they have seen an increase in positive cases among residents and staff, but they all remain quarantined. Patti also says that the Hilltop Assisted Living Facility is working closely with the Centers for Disease Control (CDC), Centers for Medicare and Medicaid Services (CMS), and the department of health to help minimize the spread. The Executive Director, Ron Patti sent a letter to 12 News that says the residents who tested positive for COVID-19 are on the west side of the facility. They report that the cases have been confined to that one area of the facility. He says that most of the residents that have the virus are experiencing mild symptoms. He also says they have formed a task force and infection control team to work on the control of the virus. The facility will continue to have their no-visitor policy, but Patti encourages people to stay in touch with their loved ones. 12 News has reached out to the nursing home for further information and is awaiting to hear back. JOHNSON CITY (WBNG) — The Hilltop Assisted Living Facility sent out a coronavirus update to residents, staff and, family on Thursday. For more coronavirus coverage, click here.last_img read more

Vigil held at Owego Courthouse for Justice Ginsburg

first_img At the Owego Courthouse, a group of about 40 people gathered for one of these candlelight vigils. The event was organized by Owego for Equality. Irena Horvatt, a member of the group, conducted the vigil’s opening speech, saying, “Chances are, if you are here right now, you know that Justice Ruth Bader Ginsburg was an impassioned, powerful advocate for the end of discrimination based on sex and gender. You probably also know that she gained her legal reputation of success by championing the court cases of men who faced unfair treatment due to sex discrimination and that this was something she did in the hopes that it might move other men to one day consider the plight of women who faced the same hardships in court cases down the line.” Horvatt added, “Justice Ruth Bader Ginsburg is gone from us now, but she never slowed down, and neither should we. We can honor her life by keeping her tradition of dissent and civic engagement alive. We can honor her legacy by continuing to care about causes that are important to us, and by making that care actionable in our daily lives.” TIOGA COUNTY, N.Y. (WBNG) — To honor the life and memory of Justice Ruth Bader Ginsburg, a number of vigils were held in front of courthouses across the country. center_img Members of Owego for Equality said the group gathered to mourn, share stories, and hold a moment of silence for Justice Ginsburg who died of complications from an ongoing battle with metastatic pancreatic cancer on Friday. Horvatt highlighted Justice Ginsburg’s accomplishments as one of four female Supreme Court Justices in the country’s history, and an empowering figure who “inspired entire generations of women to be civically engaged.”last_img read more

Bachelor Sean Lowe, Catherine Giudici’s Relationship Timeline

first_imgScroll through the gallery below for a full timeline of the pair’s relationship. A true love story. Although many couples on The Bachelor struggle to make it to the altar, Sean Lowe and Catherine Giudici never had that problem.Lowe, who first appeared on Emily Maynard‘s season of The Bachelorette, became the lead on season 17 of The Bachelor. He was branded as the “Virgin Bachelor,” as he had revealed that he was a born-again virgin and was saving himself for marriage.- Advertisement – – Advertisement – The graphic designer, for her part, didn’t know what to expect when she joined the dating show.However, she quickly fell in love. The pair, who got married in 2014, now share three children — which was their plan early on.“We were always planning on having three kids. This one came maybe a little sooner than we had planned, but we are excited,” the Arlington native told Us Weekly in July 2019. “The idea of raising three kids under 3 and a half years old, that’s a little daunting if I’m being honest! [Giudici’s] first thought was probably not excitement! Her first thought was probably, ‘Wait, we’re having a baby? I already have a baby! I’m not ready for another baby!’ But after a few hours I think she got excited.”- Advertisement – ABC announced that the season, which aired in 2013, will be part of The Bachelor: The Greatest Seasons — Ever, a spinoff set to take a look into 10 seasons from the franchise, set to air in 2020.“When I was originally cast, I was very flattered but somewhat grounded by the fact that I would be one of the faces that represented people of color. I knew that one of the reasons I was probably chosen was because I was Filipino,” Giudici wrote via Instagram in June 2020, amid the Black Lives Matter movement. “I counted myself out to be his fiancée because of what I assumed Sean liked. I thought I was there just to check a box, but I ended up with so much more. I became present with the process and as he started noticing me for who I really was, I allowed this experience to open myself up to the possibility of being fully loved and appreciated for all that I was. I ended up getting to represent a mixed race community, I found Christ (I LOVE my testimony!) and marrying the most amazing man I’ve ever known. I’d say doing this show was one of the best things that ever happened to me.”- Advertisement –last_img read more

By 2023, Adris will invest 2.2 billion kuna in the tourism part of the group

first_imgMaistra – continued growth of all key business indicators In 2018, the Adris Group generated total revenue in the amount of HRK 5,79 billion, which is an increase of five percent. Operating revenues amounted to HRK 5,65 billion or 13 percent more than in the previous year. Revenues from the sale of goods and services amounted to HRK 5,06 billion, which is 16 percent more than last year. Revenue of HRK 3,55 billion was generated on the domestic market, and HRK 1,51 billion on foreign markets, or 12 percent more than last year. Net profit amounts to HRK 446 million, which is an increase of 19 percent. By 2023, Adris will invest almost three billion kuna in the development of its business. The majority of investments, worth 2.2 billion kuna, relate to further raising the quality of service in the tourism part of the business. In 2018, the process of ownership consolidation in the company HUP-Zagreb was completed. The session of the General Assembly of the Adris Group, held in Rovinj, ended the holding of the annual general meetings of the companies within the Group. HUP-Zagreb is a company that significantly contributes to the strengthening of the tourism part of the Group and which also achieves the growth of all key business indicators. These indicators, in addition to Zagreb hotels, include the operations of Dubrovnik hotels in the branch Dubrovnik Riviera Hotels. In 2018, HUP-Zagreb achieved seven percent more overnight stays, with an increase in the average price of overnight stays of eight percent. Operating revenues increased by 10 percent and amounted to HRK 448 million. Profit before interest, taxes, depreciation and amortization (EBITDA) amounts to HRK 176 million and is 17 percent higher than last year. Earnings before interest and taxes (EBIT) increased by 25 percent and amounted to HRK 135 million.  In accordance with the published agenda, after the General Assembly adopted the financial statements for 2018, it also made a decision on the use of the 2018 profit. In 2018, Maistra achieved four percent more overnight stays, with an increase in the average price of overnight stays of four percent. Operating revenues increased by nine percent and amounted to HRK 1,25 billion. Profit before interest, taxes, depreciation and amortization (EBITDA) from ordinary activities amounts to HRK 449 million and is five percent higher than last year. Profit before interest and taxes (EBIT) from ordinary activities increased by four percent and amounted to HRK 275 million. The realized net operating profit amounts to HRK 201 million.  Ante Vlahović is leaving the head of the Adris group  In accordance with the decision of the General Assembly on the payment of a dividend of HRK 18,2 per share, the amount of HRK 298,5 million will be allocated from the undistributed retained earnings of the Company for the payment of a dividend. The dividend will be paid on July 19, 2019, to the accounts of the shareholders according to the balance and statement of the Central Depository and Clearing Company on June 28, 2019. The calculated amount of dividend on treasury shares is retained in retained earnings.  At the beginning of 2019, Adris completed the process of acquiring a 2018% stake in the company. In June 75, the process of functional merger in the tourism part began in order for Maistra and HUP-Zagreb to function as a single system, which will enable the use of economies of scale and synergy effects. The tourism part of the Group has 84 percent of products in solid facilities and as much as XNUMX percent of hotel accommodation at the level of four and five stars. Maistra is a leading Croatian tourist company according to the quality criteria of the tourist portfolio. A dividend of HRK 18,2 per share will be paid on July 19 By 2023, Adris will invest more than two billion kuna in the tourism part of the Group, which will put 95 percent of hotel capacity at the highest level of supply. In addition to investments in Rovinj, Vrsar, Zagreb and Dubrovnik, investments are also planned in Split, a growing and recognizable Croatian tourist destination. In addition to capital investment, a key lever for growth is investing in visibility and experiences in tourist destinations, which directly and positively affects pricing management policy. In 2018, all Adris companies recorded growth in key quantitative and financial business indicators. All three businesses saw double-digit net profit growth: healthy food 11 percent, tourism 24 percent and insurance 33 percent. Consolidated, growth is 29 percent. If the company HUP-Zagreb is added to that, Adris’s operations recorded a consolidated growth of net profit of 52 percent. With the acquisition of HUP-Zagreb, Adris has further strengthened its tourism business, and has made all the necessary reservations related to Agrokor, reports Adris. Finally, the Assembly gave discharge to the members of the Management Board and the Supervisory Board. The current President of the Management Board, mr. Vlahović, was elected a member of the Supervisory Board with the beginning of his term on January 1, 2020. Vitomir Palinec, Finance Director of the Adris Group, was also elected a member of the Supervisory Board, and his term of office begins with the conclusion of the General Assembly at which he was elected.last_img read more

East Java begins contact tracing for six confirmed COVID-19 cases

first_imgTopics : East Java’s COVID-19 task force will begin contact tracing for six people in Surabaya who tested positive for the virus, East Java Governor Khofifah Indar Parawansa said on Tuesday.Khofifah said the task force, backed by a team of 30 physicians with expertise in infectious diseases, would soon begin the process for the six people, all residents of the provincial capital.”We, together with the team of experts, will trace where and with whom they made contact in the days before the test results of their samples came out positive,” Khofifah told reporters on Tuesday evening after meeting with East Java businesspeople at the Grahadi Building in Surabaya. “How this virus has spread has just been unpredictable.” He said the hospitals were in Surabaya, Malang, Sidoarjo, Pasuruan, Tulungagung and Banyuwangi.He also said that, in Surabaya alone, the number of isolation ward rooms at several of the 44 referral hospitals in the province was capped at 132.As of Wednesday afternoon, Indonesia reported 227 confirmed COVID-19 cases and 19 deaths.center_img She said the task force created a “contact tracing map” for the six patients but refused to release it to the public, saying it could trigger anxiety among communities living in areas the patients previously visited.Read also: Indonesia’s confirmed COVID-19 cases may spike in upcoming days, govt warnsThe patients were in stable condition, she said, adding that some of them went to the hospital on their own initiative and asked for the COVID-19 test. Earlier on Tuesday morning, East Java COVID-19 mitigation task force head Heru Tjahjono said 26 patients under surveillance and 15 potential COVID-19-positive patients were being cared for at isolation wards at 22 hospitals in the province.last_img read more

LSC Shipmanagement Takes Bitumen Tanker under Its Wing

first_imgLSC Shipmanagement, a subsidiary of JSC Latvian Shipping Company, welcomed a newbuilding bitumen tanker into its technically managed fleet.Asphalt Synergy, the first bitumen tanker in the LSCSM fleet and one of the largest asphalt transporting ships in the world, featured a total length of 175 meters, width of 30 meters, and load capacity of 37,000 tonnes.“This is the 26th ship in our fleet under management.  As a result, we have expanded our range of services. We are now able to transport asphalt products and as such, are attracting more and more new customers and partners,” Robert Kirkup, Chairman of the Board JSC Latvian Shipping Company, said.The 37,000 dwt asphalt carrier Asphalt Synergy was built by Avic Dingheng Shipbuilding Co, which hosted the naming and delivery ceremony for the ship on January 9, 2018. The vessel is owned by US-based transportation company Valt.The previous addition to the LSCSM fleet took place last June 2017, when tanker Elandra Falcon was received as part of the technical management fleet.last_img read more

Five to vie for BAA Ambassador title

first_img(L-R) Kyla Bontiff, Jayanne Thomas,Jamesa Fabien, Meriscia Carriere, Melanie Joseph and . Photo compliments: 365llmmpFive young ladies from the communities of Ans-de_Mai, Anse-sol-Dat and Bense are working diligently towards capturing the title of Ambassador of BAA, the first intellectual pageant to be hosted in Dominica.This pageant is among activities planned by the Committee for the Development of Bense, Ans-de-Mai and Ans-sol-Dat (CIMBAA), in celebration of their first reunion which is scheduled to kick off this evening.The contestants are:• Sixteen year old Meriscia Carriere, sponsored by Alvin Fabien and Pure Entertainment & Sports,• Twenty year old Jamesa Fabien, sponsored by D Blush and Pure Entertainment & Sports,• Sixteen year old Melanie Joseph, sponsored by CIMBAA NY and Y & J Trucking,• Fifteen year old Jayanne Thomas, sponsored by Andrea Bougouneau, Ferrol Trucking, Martha’s Deli, & Laurel Royer and• Sixteen year old Kyla Bontiff, sponsored by Beverly Jacobs.The ladies will compete in five segments; introductory speech, ambassadorial presentation, talent, evening wear and question and answer on Friday, 6th July, 2012 at the Reunion Square in Anse-de-Mai.The theme for the reunion is “Re-uniting Our Efforts… Embracing Each Other”, and will open with a fete featuring Burning Flames from Antigua on 29th June, 2012.Other activities include and oldie goldies night, the delivery of care packages to the elderly, a talk on the history of the three villages by Historian, Dr. Lennox Honeychurch and will climax on 9th July, 2012.Dominica Vibes News 123 Views   one comment Sharing is caring! EntertainmentLocalNews Five to vie for BAA Ambassador title by: – June 29, 2012 Sharecenter_img Tweet Share Sharelast_img read more

Creek yields dead body

first_imgBACOLOD –A man was found dead at a creekin Barangay Dos Hermanas, Talisay City, Negros Occidental. Doronella’s lifeless body was discoveredin a grassy area around 11:45 a.m. on April 10. Police identified him as 56-year-oldresident Ricardo Doronella. His body was brought to a local mortuaryfor a “post-mortem” examination.center_img Responding police officers did not findany wounds on Doronnela’s body suggestive of murder. As of this writing, officers of theTalisay City police station have yet to rule out foul play in the incident./PNlast_img

Jenkins hails Lions kickers

first_img Press Association Neil Jenkins described his remarkable crop of British and Irish Lions goalkickers as “the best of the best”. “They are the best of the best. Kicking is a huge part of the game, we all acknowledge that, and Leigh has been a tremendous kicker now for the past two years for us (Wales). He has put a huge amount of work in and he is pretty special in what he does. Personally, he’s a joy to work with. “I’m really enjoying working with Owen and Jonny and Hoggy’s doing good work now. The standards of these boys are massive. Someone like Jonny, for example, his work ethic is ridiculous. That is why he’s achieved what he has. “Leigh is not too far away from that level. He works incredibly hard at his game. He probably doesn’t stay out there as long as Jonny, but he works incredibly hard. He’ll focus on perfecting every spot and won’t move on until he is happy.” With the Lions needing victory in Saturday’s second Test to wrap up a first series win since they beat South Africa 16 years ago, the battle of the boot is likely to play a major part. And with Jenkins predicting that Australia will throw everything at the Lions in their quest to keep the series alive, accuracy off the tee could effectively decide the contest. “It generally is goal-kicking that wins or loses Test matches,” he added. “It’s important to stand behind your kicker, watch closely at how he is shaping and how things are going. You saw a kick last Saturday when the tee moved a little and he (Halfpenny) pushed the ball to the right, but these boys recover quite quickly and move on to the next kick. “Leigh gets nervous now and again, gets on top of himself and needs to stand back. But for a lad of his age, he’s done fantastically well already and is maturing all the time. Overall, we are fortunate in the quality of kickers we have. All have come on at times and done their jobs. We’ve had the occasional miss, but that’s normal.” center_img The quartet – Leigh Halfpenny, Owen Farrell, Jonathan Sexton and Stuart Hogg – have landed 55 out of 64 shots at goal between them on the tour of Australia. Wales star Halfpenny, the first-choice Test marksman, has a success-rate of 27 from 29, while England fly-half Farrell can reflect on an 18 from 19 return. Their accuracy is in stark contrast to that of Australia’s after James O’Connor and Kurtley Beale saw 14 points go begging during last Saturday’s first Test, which the Lions won 23-21. “We are lucky to have the kickers we have,” Lions kicking specialist and Wales’ record international points-scorer Jenkins said. last_img read more