The Minnesota Vikings will be without Pro Bowl cornerback Antoine Winfield when they face the Green Bay Packers in a pivotal NFC North game on Sunday. Winfield was listed as out in Friday's injury report. He also missed last week's game against Pittsburgh because of the injured right foot. Coach Brad Childress said he saw Winfield make progress throughout the week, but obviously not enough…
Tag: report
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McGwire to be LaRussa’s hitting coach? (AP)
Cardinals manager Tony La Russa took a flight from his West Coast home to St. Louis on Sunday for further talks about his future. There was a report, too, Mark McGwire might join him as a coach. La Russa told the Associated Press in a telephone interview before boarding a plane that discussions were ongoing, and that he was planning to attend a Bruce Springsteen concert later that evening.
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Dr Boyce Money: Everything You Need to Know About Credit Scores Pt 1
Filed under: Personal Finance, Dr. Boyce Money
Given the growing importance of credit scores in our economy, I thought I would do a Dr. Boyce Money series on credit scores and how they affect your life. These might answer many of the questions you have about your credit report and how the scores are calculated. We will also cover your rights as a consumer and how you might improve the score you’ve got. Enjoy!
Who are the major credit bureaus and where do the scores come from?In the US, there are 3 major credit bureaus, Experian, Trans Union and Equifax. These are the three agencies that others can ask for credit information about you. Under the old system, your score would range from 375 to 900. There is a new system in place with VantageScore, which ranges from 501 to 990. The system is considered more consistent across the various bureaus, but it does not change much in terms of your credit worthiness. So, if you were a AAA borrower before the fact, you are going to be one now.
How can I get a copy of my credit report?
One way to get a copy of your report is to go to Myfico. You can order a report from any of the 3 bureaus, or you can order all 3. Another method for obtaining a credit report is to go to free sites such as freecreditreport.com (although there are conflicting viewpoints on whether this service is actually free). Under the law, the reporting agencies are entitled to give consumers at least one free credit report every year. Also, if you are denied credit for any reason, you can send a copy of the rejection letter to any credit bureau and receive a free credit report. Otherwise, the report is going to cost you about $8.How is a credit score calculated?
The model for credit reports is based on what they call “The 4 C’s of Credit”: Character, collateral, capacity, capital and conditions. What are they?
Character is their way of trying to decide if you are a good person or not. Effectively, if you have a history of not paying your debts, they define you as not having the character to repay. This is a bit silly, since some people don’t repay their debts because they are having financial trouble, not because they are bad human beings.
Collateral is represented by assets you are willing to pledge against the loan as additional security in case you aren’t able or willing to pay.
Capacity is represented mostly by income level and future earning opportunities.
Capital is reflected mostly in your cash reserves, and other relatively liquid investments. High capital implies that you can pay the fees that are owed.
Conditions are things that are basically out of your control: the state of the economy, your line of business, or any other issues on your credit report that do not necessarily reflect personal choices made by you.
Dr. Boyce Watkins is a Finance Professor at Syracuse University and author of the forthcoming book, “Black American Money.” To have Dr. Boyce commentary delivered to your email, please click here. -
Coach: Peyton’s knee not seriously hurt (AP)
Peyton Manning's left knee may be sore, but it doesn't appear to be a serious problem for the undefeated Colts. One day after Manning led Indianapolis to a 31-9 victory at Tennessee, coach Jim Caldwell said he had not received a doctor's report regarding the knee, something he would have expected had there been concerns.
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High School Drop Out? Most Likely Will Do Time!
Posted by: The Connector A new report chronicling the whereabouts of past high school dropouts shows that all dropouts, and particularly African-Americans, are far more likely to wind up incarcerated or unemployed than those with a high school diploma.
Compiled by researchers at Northeastern University, the report shows that high school dropouts are roughly six times more likely to become incarcerated than high school graduates. But the more startling statistic was that between 2006 and 2007 around 23 percent of 16- to 24-year-old African American male high school dropouts were incarcerated or otherwise institutionalized at some point, compared with 6.3 percent of all dropouts.
TO READ MORE, CLICK ON ORIGINAL STORY
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Foot puts Favre on Vikes’ injury report (AP)
Brett Favre is on Minnesota's injury report for the first time this season. The 39-year-old quarterback was listed Thursday as being limited in practice because of a foot injury. After the Vikings beat San Francisco last Sunday, Favre complained of aching in his right foot, left knee, both shoulders and neck.
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Vikings’ Peterson limited in practice (AP)
Minnesota Vikings running back Adrian Peterson was limited in practice Wednesday with a back injury. The NFL's leading rusher was listed on the team's injury report, three days after rushing for 92 yards and a touchdown against the Lions. The team hosts San Francisco this Sunday. Vikings middle linebacker E.J.