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CA ST LIC# 1011547 / Licensed & Insured 2011 2012 2013 Serving the South Bay for 25 years FREE ESTIMATES construction painting handyman TOUCHSTONE PAINTING • PLASTERING HANDYMAN Reasonably Priced – Referrals Upon Request 310-517-9677 30 Year Business and Resident in the South Bay concrete LINDAHL CONCRETE, INC. Specializing in all Residential Concrete • Driveways • Patios • Pool Decks • Stone • Pavers • Stamping Call Casey or Carl - Lic. 531387 310-326-6626 Casey Lindahl founder of Lindahl Concrete Inc. WE ACCEPT CREDIT CARDS WWW.LINDAHLCONCRETE.COM YOUR AD HERE Email to reserve your space marketing@heraldpublications.com plumbing FOR ALL YOUR PLUMBING NEEDS We offer Senior Discounts • We match any pricing • Open 24/7 • Free Estimates License # 537357 1-310-782-1978 roofing NICK’S ROOFING SERVICE Small jobs OK! 310-697-9147 CA License # 1009097 roofing Old Fashioned Values... 50 Years and Counting. New Roofs and Repairs 310-322-4129 CA St. Lic. #558797, Bonded, Insured YOUR AD HERE Email to reserve your space marketing@heraldpublications.com Julian Construction, Inc. Foundation Replacement/Repairs House Bolting • Floor Leveling Soft Story Retrofit FREE INSPECTION Low Price Guarantee - 0% Financing Available BONDED & INSURED 323-733-3377 LIC. #788526 www.julianconstruction.com gardening CALL OR TEXT BRIAN 310-493-7811 310-322-7396 Painting of El SEgundo Interior & Exterior NO Job too Small • Free Estimates Over 40 thousand papers delivered within miles of your home or business. Credit Scores from front page that reported the information to make a correction. Both must investigate the dispute. Using a credit repair service is another option for contesting and removing errors from a report. The Fair Credit Reporting Act protects borrowers and consumers by requiring the credit bureaus to provide correct and complete information to lenders when they process an application. Consumer protections of the act include: – The right to receive a free copy of your credit report. – The right to know the name and identity of anyone who received your credit report in the last year, or the past two years, for employment reasons. – A lender must tell you the name and address of the credit bureau it used to deny an application. – The right to a free copy of the credit report that was used to make the denial; a request must be made within 60 days of the denial. – A consumer may add an explanation to a credit report if the company or bureau refuses to correct disputed information. Lenders have been advised to be cautious about reviewing a loan applicant’s YOUR AD HERE creditworthiness after July 1. Financial planner and blogger Sean Williams with The Motley Fool writes that consumers’ credit habits will be the same in two months, regardless of their higher FICO scores. “Lenders could find themselves at a higher risk of loan defaults as these tax liens and civil judgments are removed from people’s credit reports,” Williams warns. FICO is the most popular credit score formula used by lenders, though there is a recent competitor called VantageScore. The three major credit bureaus created VantageScore, which uses some of the same predictors as FICO to rate a borrower’s creditworthiness. This alternative to FICO also uses what it calls “trended data” in scoring. The data focuses on how a person used available credit over a 24-month period, and looks at money management skills by comparing payment due dates with the actual date a bill was paid, according to Investopedia.com. The last time FICO changed the scoring rules was in August 2014 when it decided that unpaid bills that were settled with a collection agency should not count against a person’s current creditworthiness. YOUR AD HERE Email to reserve your space marketing@heraldpublications.com Email to reserve your space marketing@heraldpublications.com OVER 40 THOUSAND PAPERS DELIVERED WITHIN MILES OF YOUR HOME OR BUSINESS. Like Us on Facebook Free Estimates FULL SERVICE PLUMBING Over 40 thousand papers delivered within 20 miles of your home or business. C E R T I F I E D A N D L I C E N S E D P R O F E S S I O N A L S Stamping Pool Decks EL SEGUNDO GARDENER Licensed/Bonded All E.S. Crew, Lawn Service Clean Ups, Tree Trim, Sprinklers, Handyman, etc. Lic# 100085424 Frederick’s Call Freddy 310-910-4841 LIC #948597 YOUR AD HERE Email to reserve your space marketing@heraldpublications.com YOUR AD HERE Email to reserve your space marketing@heraldpublications.com YOUR AD HERE Email to reserve your space marketing@heraldpublications.com
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