®
THEJOURNAL,
Thursday,
December 29, 2016 -
Ag
It's important to check your credit tier
By Leilana McKindra ant task that can easily slip new place to live or a new their members-businesses report each year from
It is hard enough to think to the bottom of the priority car, someone will check and organizations that pro- each of the three agencies.
about what is going to list, but not doing so can your credit and that is the vide regular reports on Copies of the reports can
happen during the always lead to unpleasant con- wrong time for surprises," the payment behaviors of be ordered at www,annual-
hectic holiday season, let sequences. The frequent she said."Regularly review- their clients - and publish creditreport.com.
alone what to do after the use of electronic payment ing your credit report can that information in credit "You can monitor your
wrapping paper stops flying methods and online shop- help prevent identity theft reports, credit for free year-round
and the refrigerator is burst- ping only reinforces the and catch errors serious A person's credit score by requesting a report from
ing with leftovers, importance of paying close enough to possibly trigger a is based on the information a different agency every
However, one task that attention to what appears on loan denial or higher inter-• on the credit report. The four months," Clampet
should be at the top of credit reports, said Cindy est rate on a credit card." score is a measure of how said. "Victims of identity
everyone's post-holiday Clampet, Oklahoma State Equifax, Experian andrisky it is to offer credit to theft who have a notation
to-do list is checking their University CooperativeTransUnion are the three that person. The higher the added to their credit histo-
credit report. Extension resource man- major credit reporting score, the lower the risk. ries are eligible to receive
Monitoring your credit is agement specialist, agencies. These agencies Consumers are legallymore than the three reports
the kind of small but import- "Whether it's for ajob, a collect information from entitled to one free credit annually."
es
By Leilana McKindra If there is any damage,do away form the heater." leading factor contribut-
When families want to not use the appliance.Do not use space heaters ing to the start of home
ward off winter's chill in a Families in the market indamp, wet areas such as heating fires was equip-
specific part of the home, for a new electric heater outdoors or in bathrooms, ment placed too close
electric space heaters may should look for a product Plug heaters directly to flammable items such
be good option, with the Underwriters into the wall. If the heat- as furniture, clothing or
"Space heaters aren'tLaboratories certification er's plug gets hot, it could bedding.
designed to replace your mark. The most recent be a sign the outlet may Meanwhile, 84 per-
home's heating system, models will incorporate need to be replaced. Con- cent of home heating
but they can provide the most up-to-date safety tact a qualified electrician fire deaths involved sta-
plenty of supplemental standards and features, for assistance, tionary or portable space
heat for contained spaces "While in use, the heater "Unplug space heat- heaters.
in your home," said Gina should be on a level, ers before leaving home "Electric heaters can
Peek, Oklahoma State hard, nonflammable sur- or going to bed," Peek do a great job of keep-
University Cooperative face such as a ceramic said. "It's also a good ing small areas warm
Extension housing andtile floor," Peek said. idea to only operate these and toasty," Peek said.
consumer specialist. "The heater should be appliances when you or "Following a few safety
Electric heaters should at least 3 feet from any- another adult is in the precautions means you
be thoroughly inspected, thing, including bedding, immediate area." can take advantage of that
including checking the drapes, furniture or other According to a National warmth without worrying
cord and plug for damage, flammable materials. Fire Protection Asso- about fire, electrocution
before they are turned on. Keep children and pets ciation Fact Sheet, the or other hazards."
Many credit card compa-
nies also offer free credit
scores to account holders,
but consumers should be
aware these scores can be
different than the score
that would be used to
assess credit worthiness in
some circumstances.
"If you need help under-
standing yourcredit report,
make an appointment with
a non-profit credit-cOun-
seling agency," C|ampet
said.
Also, www.myfico.
com provides a detailed
explanation Of credits
scores, while www.bank-
rate.corn offers tools to
estimate an individual's
FICO credit scoie.
For guidance on how to
address errors on a credit
report, consumers can go
to the Federal Trade Com-
mission website at www.
ftc.gov, instructions for
disputing errors also Say be
found on the credit report.
Great American Can Rolilld
The Perkins 4-H club is asking for community support
for their 2016-2017 aluminum can drive. This is the third
year we have collected aluminum cans in support of the
Perkins Tryon Schools for our service project, "The
Great American Can Roundup." The cans will be sold
and 100% of the proceeds will go directly to our school
systems. Last year we teamed up with the community to
collect cans and Payne County Bank matched our sales
to donate to the Intermediate School. Did you know that
roughly one billion dollars worth of aluminum cans are
thrown away every ye a" in the United States? One ton of
recycled cans saves 10 cubic feet in a landfill. Please join
us in our efforts to keep our community and environment
clean while supporting the P-T Schools. To arrange for
pick-up please call David Wall (405) 338-5394, Lilia
Wall (405) 334-3084 or Donna Dollins (405) 6124)959.
~ .... ~ 1 i~
Dentures ~ PaFdals - Relines - Repairs
321 N. Main in Perkins
Call (405) 612-7304 for appointment.,
A
Our food is always
,-1 '
"l-hurs, ays & Friday's. 1I a.m'-6:30 p.m.
Hot Lunch or Dinner
Calt for Pickup or Delivery
La Grandotas', Tamales in the Husk, Dinners, Casseroles,
Enchiladas, Burritos
Winter feature: Green ChileStew &Southwest White Chili
Holiday & Catering orders delivered Mort - Sat.
314 E. Hert, Perkins, OK 74059
Call Leah Aufill 405-880-7645
www. cocinasanpasquaL com
handmade, always fresh & always authentic.
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FOUNDATION
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PERKINS
• • |
Stlllwater Medga; Center
• Pediatrks and adults
• Well child checks
• Annual wellness exams
• Sports & DOT Physicals
• Injuries and laceration repair
• Women's health
• Diabetes management
WALK- NS WELCOME
MONDAY-THURSDAY:
8:30 AM- S:O0 PM
FRIDAY:
8:30- AM- 12:00PM
.f
CARLY WAREN, AP NP
)ne of the joys of the Holiday
.%ason is remembering those who are important to us. We'd like
to thank all of our customers and friends for making this past year a
successful one.
As your local independent bank, we look forward to sewing *::
you in the future. We hope the New Year brings you good
health, happiness and prosperity.
Perkins Branch
e3o N. Main Street • PerKins
Hoe) s47.1, ss
,: i.ol~y Hourit
Monday-Thumday 8 a.m. to 4 p.m.
Friday 8 a.m. to 4:30 p.m.
Saturday 8 a.m. to Noon
Ddvo41ma
M(xaday-Thursday 7~0 aJn. to 5 p.m.
Fdday 7:30 a.m. to 6 p.m.
Saturday 7:30 a.m. to Noon
505 E. HWY. 33 " PERKINS 405.547.4162
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