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Building Better Credit And Credit Repair Newspapers, radio, TV and the Internet are filled with advertisements that offer—for a fee—to erase accurate negative information in your credit file. The scam artists who run these ads can't deliver. Only time, a deliberate effort, and a plan to repay your bills will improve your credit record. This publication is designed to help you understand and legally improve your credit report through the right way to credit repair. This publication has five sections:

Consumer Reporting Agencies If you've ever applied for a credit card, a personal loan, or insurance, there's a file about you. This file contains information on where you work and live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy. Companies that gather and sell this information are called Consumer Reporting Agencies (CRAs). The most common type of CRA is the credit bureau. The information CRAs sell about you to creditors, employers, insurers, and other businesses is called a consumer report.

he Fair Credit Reporting Act (FCRA) The FCRA is designed to promote accuracy and ensure the privacy of information used in consumer reports. Recent amendments to the Act expand your rights and place additional requirements on CRAs. Businesses that supply information about you to CRAs and those that use consumer reports also have new responsibilities under the law. Here are some questions consumers commonly ask about consumer reports and CRAs—and the answers.

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Building a North American Community: Report of the Independent Task Force on the Future of North America (Foreign Relations)
New York, N.Y. ANTHONY DEPALMA: [in progress] because we are determined and will guarantee you that we will be done by 2:00, so that you can get back. My name is Anthony DePalma. I'm a correspondent and reporter for the New York Times . Welcome to this session this afternoon.

Graduates: Planning for the Future (Washington Post)
Join Washington Post staff writers Mary Ellen Slayter and Michelle Singletary to talk about establishing career a track after college and to discuss how to manage your finances as a soon-to-be, or recent, college graduate.

Daily Feature In Brief (Sunderland Echo)
Thanks for the memories ... A farewell to one of the North's finest journalists, who for decades has reminded Wearsiders of ... VIGILANT readers may have noted that CAROL ROBERTON is retiring as the Echo's local history spec...

What I did on my summer vacation: Battier's one nice dude (Sports Illustrated)
As perhaps the league's preeminent sixth man, Shane Battier played an intergral role for a Memphis Grizzlies team that won 50 games last season and reached the playoffs for the first time in the franchise's history. SI.com caught up with Battier just prior to the opening of camp to see how the Duke alum spent his summer vacation.

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