Volunteers across the state and on Long Island took to their parks Saturday, picking up trash, painting bike racks and trimming brush for the seventh annual I Love My Park Day, a statewide initiative in which thousands of volunteers help prepare state parks and historic sites for the season. (Credit: Newsday / John Williams, Keshia Clukey) … [Read more...] about LI volunteers help clean up state parks
Help clean my credit
Q. Can a Chapter 7 bankruptcy help or hinder your credit score? A. No bankruptcy is good for your credit score. A Chapter 7 bankruptcy stays on your credit report for 10 years, said Beverly Harzog, a consumer credit expert and bestselling author. "The reason it stays on your report so long is that it gives you a clean start," she said. But, she said, this isn't always a bad thing. If you felt like you were drowning in debt, a bankruptcy might have been one of the few options available to you, Harzog said. Try to view this as a chance to start over. The bankruptcy has less impact on your score each year, Harzog said, and now is the time to think about ways to minimize its impact. "Consider getting a secured credit card or a credit-building loan," she said. "Whatever credit tools you choose, continue to pay all your bills on time. Keep your utilization ratio under 30 percent -- under 10 percent if you want to speed up the credit-boosting process." As you begin to use credit to rebuild … [Read more...] about What will bankruptcy do to my credit score?
When Logan Snyder got hooked on pills after a prescription to treat pain from a kidney stone, she joined the millions already swept up in the nation’s grim wave of addiction to opioid painkillers. She was just 14. Youth is a drawback when it comes to kicking drugs. Only half of U.S. treatment centers accept teenagers and even fewer offer teen-focused groups or programs. After treatment, adolescents find little structured support. They’re outnumbered by adults at self-help meetings. Sober youth drop-in centers are rare. Returning to school means resisting offers to get high with old friends. But Snyder is lucky: Her slide ended when her father got her into a residential drug treatment program. Now 17 and clean, she credits her continued success to Hope Academy in Indianapolis, a tuition-free recovery school where she’s enrolled as a junior. “I am with people all day who are similar to me,” she says. “We’re here to hold each other … [Read more...] about CBS News Logo Tuition-free school helps teens fight opioids and other substance abuse
Everyone knows that paying your bills on time is essential if you want to get -- or keep -- strong credit scores. But does the size of your payments affect your credit scores? Nicole, a Credit.com reader, asks: I've spent the last year doing my best to clean up my financial snafus. One of the things that I did was get myself on a budget; as I am paid weekly, I broke down my bills into weekly payments and pay everything when I get paid on Fridays. It has taken the better part of the whole year to get everything under control, but with this I've been able to pay off the smaller of my two credit cards and stay on top of my bills and not splurge on 'ghost money' that is sitting in my account, waiting to be used. But when I look at my credit report, it is showing the weekly payment amount rather than the total amount paid. Does this affect my score badly as it looks like it is less than the amount required? I checked with Nicole to make sure that her credit reports don't list any late … [Read more...] about Can paying a credit card bill weekly hurt my score?
By Christine DiGangi/Credit.com With the news of different data breaches coming out on practically a weekly basis, consumers have become increasingly sensitive to the threat of identity theft, often asking how they can avoid it. There is no foolproof defense against identity theft, so one of the best things consumers can do is know how to quickly discover and stop the crime. You can't completely cut off thieves, but you can make their crimes more difficult to pull off. You have the ability to freeze your credit files, so no new credit can be opened in your name. Keep in mind this action does more than keep out thieves: With a credit freeze, you're also putting your credit history out of reach, until you lift the freeze (or, to keep with the metaphor, thaw your credit). It's a high-maintenance strategy, and even though it's a strong layer of protection, it doesn't eliminate your risk of becoming a fraud victim. Advantages of credit freezes If thieves get a hold of your personal … [Read more...] about Should you freeze your credit after a data breach?