620 Credit Score Car Loan Apr

Category: Protect Your Credit
Published: Saturday, 12 September 2015
Written by Super User

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Those with credit scores below 620 might find hard-money sources that will lend on a A higher interest rate equates to a higher mortgage payment. on buying groceries and putting gas in the car over making a mortgage payment, hoping

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Dayton Chamber luncheon on Identity Theft with surprise guest speaker

Category: Protect Your Credit
Published: Thursday, 10 September 2015
Written by Super User

Tues., Sept. 1, the Dayton Chamber of Commerce had a very informative luncheon. Cole's Custom Catering provided a delicious meal. The speaker was W. William Wornardt III, certified identity theft specialist at Legal Shield. 

There was a surprise speaker, State Senator Robert Nichols. He gave the attendees of the luncheon some very good news about how the state of Texas is doing in the economy, tax cuts, and about the seven constitutional amendments that are on the ballot for November. Nichols encouraged everyone to vote, because the amendments affect everyone. 

State Senator Robert Nichols highlights legislative session

State Senator Robert Nichols spoke at the Dayton Chamber luncheon Tuesday, Sept 1.  He stated, "Texas is in very good shape. Our economy is great."

According to Senator Nichols, Texas is financially in very good shape. Spending did not reach the spending cap. There were three billion dollars left on the negotiating table. The Senate is trying to prepare for the court cases that come up on schools. 

The senate cut business taxes and marginal taxes by 25 percent across the board. Homestead exemptions went to $25,000 from $15,000.

Early voting will begin October 19. There are seven constitutional amendments on the ballot. Nichols advises everyone to pay attention to these amendments. He voted for every one of them. 

"It's a very high bar to become something on the constitutional amendment list. It takes two thirds vote in the senate and two thirds vote in the house."

Pay attention in particular to constitutional amendment to number seven. This is the bill he carried to constitutionally dedicate two and a half billion dollars per year for transportation for non-toll roads and bridges. It will be spread out fairly all over the entire state.

Professional fees were cut by two hundred and fifty million dollars across a wide range of professions. There was a cut of about 90 million dollars in other fees.

There were nine billion dollars left in the rainy day fund, which will go up to 11 billion. 

Proposition 7-SJR5

The constitutional amendment dedicating certain sales and use tax revenue and motor vehicles sales, use, and rental tax revenue to the state highway fund to provide funding for non tolled roads and the reduction of certain transportation related debt. The amendment will dedicate 2.5 billion dollars of revenue from the sales and use tax annually to the state highway fund starting on Sept. 1, 2017. This is one of seven amendments on the Nov. 3, 2015 ballot in the State of Texas.


 W. William Wornardt III

Wornardt spoke about all the different types of identity theft. He was a victim of identity theft himself. About 12 years ago, Wornhart, a geologist by trade, had his world was turned upside down because someone stole his identity. It took him nine months and over $5,000, after signing over 300 documents, to get his life back. He realized then that identity theft could become the number one crime in America. Identity theft is a borderless crime.

The Federal Trade Commission (FTC) has defined identity theft as possessing a person's proprietary information and using it unlawfully. 

The FTC has also designated another form of identity theft, aggravated identity theft, defined as using identity theft to fund activities involving terrorism.

Children are prime targets for identity thieves, because when a child is born they are issued a Social Security number. Social Security numbers are the number one item identity thieves want. A parent does not think to check on their child's credit. Wornardt stated, "If your child receives credit card offers or anything like that in the mail, check into it. Your child's identity may have been compromised."

There are many ways to reduce the risk of your identity being stolen. Below are a few of the common ways to reduce the risk at home and work:

1. Review a current copy of your credit report.

2. Make sure you shred "junk mail" and unwanted credit card offers.

3. Do not carry your Social Security Card - Keep it safe at home.

4. Do not mail bill payments with checks from home. Use locked mailboxes.

5. Use a Signal Vault to protect your Credit Cards in your wallet or purse.

6. Examine charges on your credit card statements each month.

7. Never give your credit card number or personal information over the phone unless you initiated the call.

8. Secure all information at your work station.

9. Sign in/out records every time.

10.  Stay on top of new developments, continue training, utilize technology and use common sense.

Below are a few statistics about Identity theft:

o Over 933 million American Identities have been reported lost of stolen since January 2005. 

o Four hundred thousand dead people opened bank accounts last year.

o Every two (2) seconds (42,000 times per day) someone becomes a victim of Identity Theft.

o Identity theft has no respect to race, gender, creed, nationality, political affiliation, financial standing, or credit rating.

o 1.2 billion Internet logins and passwords and 500+ million email addresses stolen from some 420,000 websites by Russian crime ring "the largest known collection of such stolen data"  8/15/2014 (Reuters).

o Community Health Systems 206 hospitals - United States, stolen data on 4.5 million patients - Chinese hackers - The Cybercrime Economy

o One in 10 TDT Victims recently surveyed-Had a child who was a victim of ID fraud. ITSC 2014

Check Credit Score History

Category: Protect Your Credit
Published: Thursday, 10 September 2015
Written by Super User

Employers can, with your permission, check your credit history as part of the job application process and what they discover can be an issue for job seekers.

6 Businesses Who Check Your Credit Report - These are some businesses that might check your credit report. 7 Ways to Protect Your Credit Score 6 Ways to Get a Credit Card Without a Credit History.

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Credit Report amp; FICO Score powered by Experian - Get your $1 credit report and FICO Score. FICO Scores are used by 90% of top lenders. See the same type of information banks and lenders use.

After the landlord or agent has reviewed the tenants credit and background history and has come to a rental decision thoroughly examining an applicants credit report and background check before renting will give landlords and real estate agents

Your credit report has information about your past credit history. formerly called Fair Isaac, is the company who developed the FICO credit scoring model.

In the Know

Category: Protect Your Credit
Published: Tuesday, 08 September 2015
Written by Super User

AAFES opens Hill AFB Domino's location

Domino's pizza is now available on Hill AFB. It is located inside The Express in Bldg. 420. Hours of operation are 10 am to midnight Sunday through Thursday, and 10 am to 1 am Friday and Saturday. Call, walk-in or online ordering is available. For more information or to order, call 801-773-3023.

Hill AFB Air Force Ball

Hill Air Force Base's Air Force Ball will be Sept. 19 at the Ogden Eccles Conference Center located at 2415 Washington Blvd. in Ogden. The social hour will begin at 5 pm, followed by dinner and program at 6 pm

There will be music and dancing following the program. The attire for the event is mess dress or semi-formal for military and formal/black tie or business attire for civilians.

Menu options include Chicken Almondine, Top Sirloin Steak, or Roasted Vegetable Lasagna. The cost is dependent on rank or pay grade: $25 (E-1-E-4) (GS-07 amp; below); $35 (E-5-E-6) (GS-08-09) (WG-10 amp; below) (WL-9 amp; below) (WS-6 amp; below); $45 (E-7- O-5) (GS-11-GS-14) (WG-11 amp; above) (WL-10 amp; above) (WS-7 amp; above); and $50 (0-6 amp; above) (GS-15 amp; above) (community).

The invitation and RSVP can be accessed using the link http://tinyurl.com/AFBall2015. Child care will be available for a fee through the Hill AFB Child Development Center, but requests must be received through the e-invitation RSVP site no later than Sept. 1. For more information, call 801-775-6308.

Travis Brass plays for free in Ogden

The US Air Force Band of the Golden West, presents a free concert in Ogden.This family-friendly event will take place at the Ogden Amphitheater, 342 25th Street, at 6 pm Aug 30. This concert is open to the public.

Free tickets are available at www.eventbrite.com with a search for "Travis Brass in Ogden." More information is at www.bandofthegoldenwest.af.mil/events.

Travis Brass is part of the United States Air Force Band of the Golden West from Travis Air Force Base, California. With two trumpets, a French horn, trombone and tuba, the ensemble supports a wide variety of musical events ranging from military ceremonies, patriotic shows, educational programs and recitals of original works for brass quintet.

Commander's Cup slated for Sept. 8

A golf tournament to support the Hill Aerospace Museum will be held Sept. 8 at the base's Hubbard Memorial Golf Course.

Cost is $150 per golfer, which includes entry fee, cart, food and prizes. Check-in begins at 10:30 am and is followed by an 11:15 am golf clinic. The tournament begins at noon and culminates with an award dinner at the golf course club house.

The annual event is sponsored by the Aerospace Heritage Foundation of Utah. For more information, call 801-825-5817.

USAF Rock Band Performs for Utahns

The Air Force rock band called Mobility will perform at venues through September across Northern Utah. Concerts are free and open to the general public. Tickets are not required.

Concert times, dates and locations: 7:30 pm Sept. 11 at the Murray Amphitheater in Murray; 1 pm Sept. 13 at the Farmer's Market in Park City; and 4 pm Sept. 15-16 at the Utah State Fair in Salt Lake City.

Mobility is part of the Air Force Band of the Golden West, stationed at Travis AFB, California. The band plays popular classics and today's hits.

Team Hill Roundup set for Sept. 12

Team Hill spouses will host their annual Team Hill Roundup on Sept. 12 at HUB801 in Riverdale.

The Western-themed event includes a silent and live auction, which raises thousands of dollars for Hill AFB Airmen and families.

For more information, email This email address is being protected from spambots. You need JavaScript enabled to view it. or visit www.teamhillroundup.webs.com.

Protect yourselfand your identity

Having your identity used to cheat you out of your hard-earned money can be devastating, and recovering financially from it can be an uphill battle.

Government civilian employees can contact the Employee Assistance Program for assistance. If you think you've recently been a victim of identity theft, your EAP can help you take the necessary steps to minimize the damage and protect your credit rating. The EAP can also provide a kit full of information and resources on protecting yourself from identity theft.

For more information, contact EAP 24 hours a day, seven days a week at 800-222-0364 or visit http://FOH4You.com.

JLC offers free volunteer services

The 748th Supply Chain Management Group's Junior Leadership Council, or JLC, would like to make life a little easier for Team Hill families dealing with a deployment. Whether your spouse or significant other is about to be, already, or is just returning from a deployment, the JLC would like to provide assistance at no cost. These volunteer services are being offered through the end of September.

Some of the services that the JLC can provide: yard work, basic car and house maintenance, meal delivery and more. For more information or to schedule an appointment, call 503-840-8841.

AFSA holds monthly meetings on base

Air Force Sergeants Association, or AFSA, general membership meetings are held the last Wednesday of each month at 3 pm in The Landing.

Members are encouraged to bring a nonmember with them.

For more information, search "AFSA 1163" on Facebook or contact Tech. Sgt. Jennifer Marrott at 801-920-2394.

Lost/stolen IDsmust be reported

There are new procedures in place for reporting lost or stolen Common Access Cards at Hill Air Force Base.

The cards, used by Team Hill members to enter the base and access computer networks, are controlled documents that contain personal information.

As soon as the discovery is made that a card has been lost or stolen, members must report the issue to the 75th Security Forces Squadron Pass and Identification Office or Emergency Communications Center at 801-777-3056.

They must then visit the 75th Security Forces Squadron in Building 408 and fill out an Air Force Form 1168, explaining the circumstances surrounding the lost or stolen card.

The Form 1168 is required before users can have a new card issued by customer service at the Force Support Squadron in Building 430. Two forms of current federal ID are also required to have a new card issued (passport, driver's license, social security card, etc.).

For more information, contact the 75th Force Support Squadron Customer Support at 801-777-1845, option 3.

EAP offers free services to families

The Employee Assistance Program provides assessment, counseling, referral, management consultation and coaching services to government civilian employees and their family members free of cost (some limitations apply).

The program aims to help employees resolve personal problems that may adversely affect their work performance, conduct, and health and well-being.

Services offered include assessment, counseling and referral; financial; legal; supervisor/manager coaching and consultation; website resources; health and wellness presentations; and orientation presentations.

Free webinars are also available on the EAP website at http://FOH4You.com. Upcoming webinar topics include: Aug. 12, Improving Work Habits for a Better Worklife Balance; and Sept. 9, When Someone You Love Has Depression.

EAP services are available 24 hours a day, seven days a week by calling 800-222-0364 or visiting http://FOH4You.com.