- Lewis County Tribune Posts WA Distracted Driving Law
- Toledo Park Board Meets Today
- Toledo Youth Football Sign Ups Tonight
- Special Report: Credit Correction Resources
Lewis County Tribune shared Cowlitz County Sheriff’s Office’s link on WA State’s new Distracted Driving Law taking effect July 23, 2017. Specific exceptions and hefty fines outlined in the post.
Toledo Community Library open until 7 p.m. Wednesdays, 5 p.m. Thursdays and Saturday. Thanks to all who showed up for Cheese Days Book and Bake Sale. You help keep the lights on!
Gallery 505 Artists Co-op open 1-5 p.m. Tuesday - Saturday, open late on Toledo Thursday Market days. July Theme: Toledo Made.
Today: Toledo’s Mighty Fine Seniors meet at Senior Center 1 p.m. second Wednesdays monthly to discuss the business end of things. Contact Diana, email@example.com or call (360)864-2112 for details.
Also today: Toledo Park Board meets to discuss CGT’s park boundary enhancement proposal, September’s Walk in the Park event, and commemorative Esther Borte water feature project. September 23 Walk in the Park registration available by email: firstname.lastname@example.org.
Toledo Park Board monthly meeting 3 p.m. second Wednesdays in Council Chambers unless otherwise notified. Contact City Hall, (360)864-4564 for more information or special accommodations.
Toledo Youth Football says: Late football sign-ups today, July 12th, 5:30-7:30 PM down at the Little League Fields.
Toledo Thursday Market 3-7 p.m. across from boat launch.
Also Thursday: Toledo School District Board of Directors meets 7 p.m. at Middle School Library.
Special Report: Credit Correction Resources
A reader writes: Help! I have some outdated debts still showing on my credit record even though I paid them off long ago. How do I get rid of those?
Another asks: What’s the quickest way to raise my credit score? How much does a score count if I’m seeking a loan or mortgage?
In the first case, you can approach credit repair/correction as a DIY, largely free but time-consuming learning process. Using a credit repair agency can be expensive, the trade-off expertise with handling details such as deadlines and specific strategies. Non-profit credit counselors are the middle ground. The Federal Trade Commission has up-to-date resources on credit and money, plus dealing with ID theft.*
The second question is answered by Sean Williams on The Motley Fool in 5 steps, along with a free download link 5 Simple Tips to Skyrocket Your Credit Score over 800. This too takes time.**
Start in both cases at the Washington State Attorney General’s webpage on credit/debt. Begin with the 3-agency credit report you are entitled to receive free each year.
- Receive a free copy of my credit report.
- Obtain credit counseling or debt relief services.
- Learn how to apply for credit and compare offers.
- Understand my rights dealing with collection agencies.
- Learn about my rights dealing with a repossession and how to avoid a repo.
Tip: whether paperless or old-school, using a calendar and a chart or spreadsheet will help you track steps with each agency and avoid missing deadlines.
*Fast fix #1: Challenge outdated, paid off or inaccurate items on each credit reporting agency. Just because you paid off a debt doesn’t mean the loan holder or collection agency will automatically report that. By challenging these items, there’s a good chance the loan holder or collection agency will not answer your challenge, and that derogatory information disappears.
**Fast fix #2: Nick Clements authored How To Boost Your Credit Score By Becoming An Authorized User on Forbes.com for those almost within reach of a certain number for a loan or mortgage.
ICYMI: How I Got Rid Of 4 Filing Cabinets (& All My Bookcases).
Support the modest Lola Lucille Ross GoFundMe account - in memory of grandmothers everywhere, gone all too soon. Donations may also be made at Catermole Funeral Home in Winlock.
Full story in original TOT post.
Photos from TOT archives unless otherwise noted.
Everyday Heroes: Envisioned as a local September 11 observation recognizing lesser-known acts of kindness and heroism. Send your nominations to email@example.com.
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