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    News and Articles on Credit Reports

    Archives: Credit Reports

    Student SSNs Revealed by College Snafu  Nov 21, 2009
    The university said it is in the process of notifying all the students who had their data exposed and recommending that they monitor and review their credit reports and banking account activity. At this point, the university has not offered to free provide credit-monitoring services for those affected. (eSecurityPlanet)

    Hawaii planning to replenish sand at Waikiki Beach  Nov 15, 2009
    Check your credit reports scores online instantly at myFICO.. Find Cheap Waikiki Hotels As Low As $100/nt. (Yahoo News)

    A free credit score followed by a monthly bill  Nov 4, 2009
    com, is deliberately diverting people from a government-mandated site where consumers can get free credit reports by law, and using the reports as a lure for a $14 ... "Does the average person really need to see their credit reports more than once every four months? Do you need to look at it daily?" asked Edgar Dworsky, founder of ConsumerWorld ... Credit reports contain, among other things, a list of past and current creditors and a record of the borrower's payment history. (Honolulu Star-Bulletin)

    Don’t get fooled again: freecreditreport.com aims to make you spend money  Nov 3, 2009
    I ve been meaning to pull my credit reports ... In an effort to help keep consumers from ending up on imposter sites or falling for promotions for free credit reports that aren t really free, the FTC is seeking public comment on proposed rules ... These rules will dictate how you get your credit reports. (Boston Globe)

    Electronic Privacy Information Center: Privacy  Nov 1, 2009
    Congressional proposals to increase wiretapping, revise government guidelines on investigating domestic political groups and obtain easier access to credit reports and transactional information ... What the FTC has done (or not done) on protecting privacy on the net and with credit reports. (Yahoo News -- Online Privacy)

    What is Legitimate Debt Validation?  Oct 31, 2009
    Sadly, this pushes to the wayside those who discover a genuine mistake on their credit reports. Because personal information on consumers is often gathered via skip tracing and not from original creditors, it is perfectly possible for a collection agency to maintain accurate information on a consumer who does not legally owe a debt. (Suite101.com)

    The Date of Last Activity for Defau...  Oct 30, 2009
    Credit Reports, Charge-Offs, and Re-aging Practices. A date of last activity is assigned to every defaulted debt that is charged off and sent to collections. (Suite101.com)

    I-Team: Silver State Students See Some Debts Erased  Oct 28, 2009
    Under the deal, $113 million of the $147 million in student debts will be erased and the information will not be negatively reported against students' credit reports. Airola is facing other charges related to the company's bankruptcy. (KLAS-TV.com, NV)

    Knowledge is the power behind popular eHow website  Oct 26, 2009
    For instance, Schulte wrote recently about credit reports, and began by finding that search terms such as "update credit" and "correcting credit" were used most often. So she used those terms in her piece, knowing it would help it get found in searches. (USA Today -- Tech)

    LifeLock barred from placing fraud alerts  Oct 23, 2009
    LifeLock had used fraud alerts to place nearly perpetual 90-day warnings on its customers credit reports, charging up to $10 a month for the service and garnering 1 ... Experian has long argued that while consumers can place alerts on their credit reports, the FCRA does not allow for third-party companies to do so ... com launched ProtectMyID.com, which promotes an identity protection service that monitors credit reports and does Internet searches for signs of identity theft. (Phoenix Business Journal, AZ)

    Smart Off-Season Tips for Buyers  Oct 22, 2009
    Help buyers to correct any errors on their credit reports. Build Cash: Let house hunters know that the days of no-down-payment loans are a relic of the past. (Realtor Magazine Online)

    Report: Feds probing Toys R Us over baby products  Oct 18, 2009
    Opinions sought on credit reports. I've been meaning to pull my credit reports for some time. (Fresno Bee -- Business)

    10 Secrets of Off-Season Home Buying  Oct 16, 2009
    It's also helpful for borrowers to review their FICO score and credit reports. If any errors appear on the credit report, take care of them. (Yahoo News -- Top Stories)

    Laptop containing Halifax patient information stolen  Oct 15, 2009
    Each patient is urged to review his or her credit reports carefully for any new accounts they did not set up. At least one patient whose identity might have been compromised was annoyed. (Daytona Beach News Journal)

    Credit Repair Scams  Oct 13, 2009
    And here's the key: the defendants claimed they could remove unflattering information -- late payments, collections, repossessions -- from people's credit reports even if that information was true. The FTC says it was all a lie. (ABC News -- Business)

    Governor vetoes tougher credit check bill  Oct 13, 2009
    Gov. Arnold Schwarzenegger has vetoed legislation to impose new restrictions on employers use of credit reports for hiring purposes. Supporters of AB 943 argued that a credit report says nothing about ability to do a job responsibly, but employers want all the information they can get. (San Jose Business Journal, CA)

    WESST offers small business trainings  Oct 13, 2009
    Each will focus on setting goals, managing income and expenses, important papers such as credit reports and credit scores, using credit wisely, and building savings. For more information on the sessions, contact Nancy Judd, njudd@wesst. (New Mexico Business Weekly, NM)

    Regional Roundup (2)  Oct 11, 2009
    Connecting You to Your Community Lodi, California. The following stories have received the most reader comments during the last 7 days. (Lodi News Sentinel, CA)

    Opinions sought on credit reports  Oct 11, 2009
    I've been meaning to pull my credit reports for some time ... In an effort to help keep consumers from ending up on imposter sites or falling for promotions for free credit reports that aren't really free, the FTC is seeking public comment on proposed amendments to the Free Annual File Disclosures Rule ... These rules will dictate how you get your credit reports. (Fresno Bee -- Business)

    ASU coach files complaint over condo scheme  Oct 10, 2009
    The mortgage-lenders group will have volunteers on hand to provide free credit reports. Buyers need a credit score of 620 for government loans, said Hoogendyk, a loan originator with Wallick Mortgage Bank. (AZCentral -- Business)

    Anthem docs snared in data breach  Oct 9, 2009
    That program offers $25,000 in identity theft insurance with no deductible and provides alerts to changes in credit reports. Smokler said the theft also has led to a review of protocol and practices. (Columbus Business First, OH)

    Highmark: Stolen laptop contained doctors' personal info  Oct 8, 2009
    Doctors have until the end of the year to enroll in the credit monitoring program, which offers $25,000 in identity theft insurance with no deductible and alerts to key changes in credit reports. Martinelli said Highmark would no longer be including social security numbers with the data sent to the association. (Pittsburgh Business Times, PA)

    Credit checks surprise buyers  Oct 6, 2009
    Janelle Boyenga, who was Jones' real estate agent, contacted IndyMac and got permission for the couple's mortgage broker instead to submit all the loan documentation they'd already handed in, plus copies of their credit reports. IndyMac, which failed last year, was reorganized as OneWest Bank in March. (San Francisco Chronicle -- Business)

    Briefs: Continental on ramp to close at I-19  Oct 6, 2009
    Green Valley Assistance Services, in partnership with Don t Borrow Trouble, Money Management International, Pima County and United Way, will offer workshops covering budgeting, credit reports and creating a plan to get through a temporary financial set-back. Workshops will be offered Oct. 16, 23 and 30. (Green Valley News & Sun, AZ)

    How to Refinance Home Mortgages  Sep 23, 2009
    Some extra fees can be charges for document preparation or an extra charge for obtaining credit reports. A Refinanced Mortgage is a New Loan. (Suite101.com)

    Credit Reports Under Extra Scrutiny  Sep 22, 2009
    REALTOR Magazine Online: The real estate professional's business support tool. YOUR INTERACTIVE MAGAZINE REALTOR.ORG/realtormag. (Realtor Magazine Online)

    Credit scores suffer a big hit as recession spurs lending limits  Sep 22, 2009
    From October 2008 through April, an estimated 24 million U.S. card holders had their credit card limits reduced or accounts closed, even though they had no new "risk triggers" such as late payments in their credit reports, Fair Isaac says. Of that group, 8. (USA Today -- Money)

    DEBT SETTLEMENT:  A booming business now, but beware  Sep 22, 2009
    This information will remain on the borrower's credit report for seven years, says Evan Hendricks, author of Credit Scores & Credit Reports. Dave Leuthold, vice president of The Association of Settlement Companies, says many consumers seeking debt relief have already seen their scores plummet. (USA Today -- Money)

    Buying Health Insurance? Only If He Likes It  Sep 21, 2009
    Analysts told HUMAN EVENTS under such broad language the commissioner's bureaucrats can obtained people's tax records, credit reports, employment history. They could argue the data is needed to understand the region's demographics, patient requirements and income trends. (Human Events Online)

    After crash, loan officers are reined in  Sep 20, 2009
    Loan officers use borrowers' Social Security numbers to obtain credit reports in order to qualify them for a mortgage. Most of a borrower's bank, property and credit-card records are detailed on credit reports. (AZCentral -- News)

    How Unsecured Debt Relief Works  Sep 19, 2009
    This will normally show on credit reports for a period of 7 years which can make it difficult to borrow money. Debt Management Plan. (Suite101.com)

    Volunteers prepare school for new use  Sep 17, 2009
    Two days a week, a group of bank employees trade their BlackBerrys, laptops and credit reports for paint rollers, scrapers and wide brushes. Area BBches have tackled the project of getting a former school building ready to shelter the area's homeless this winter. (Fredericksburg.com, VA)

    A Year Later, Toxic Assets Still Out There  Sep 17, 2009
    When we ask, the answer was "that is the way we have to do it, until your loan is done, then we will give it back and take it off of your credit reports". We are not the only one out here. (CBS News)

    Getting the Lowest Mortgage Refinan...  Sep 15, 2009
    Getting a copy of all three bureau's credit reports is the first step. Once they've been gone over carefully, any items on them that are not correct can be disputed. (Suite101.com)

    Electronic Privacy Information Center: Privacy  Sep 15, 2009
    Congressional proposals to increase wiretapping, revise government guidelines on investigating domestic political groups and obtain easier access to credit reports and transactional information ... What the FTC has done (or not done) on protecting privacy on the net and with credit reports. (Yahoo News -- Online Privacy)

    Park Hills man tells of disturbing scam  Sep 15, 2009
    Spence had claimed his company could remove negative information from consumers' credit reports, even if the information was accurate and timely. In telephone solicitations, Spence asked for payment for services before they were rendered, which is a violation of the Telemarketing Sales Rule, according to the FTC Web site. (Park Hills Daily Journal, MO)

    Clean Up Your Credit and Save $100,000  Sep 11, 2009
    Experian credit reports. insurance premium. (Yahoo News -- Press Releases)

    Spies Dont Get Dates  Sep 11, 2009
    He seems to be responsible with money, but I m sure if we get married we ll exchange credit reports before. Seek and you shall find. (Atlanta Journal-Constitution -- Living)

    ConsumerMan: New tool to fight identity theft  Sep 9, 2009
    They are pulling information from a wide variety of areas that are not currently being posted with credit reports. . (MSNBC -- Business)

    Personal Credit Reports Reflect Business Loans  Sep 5, 2009
    Do business loans show up on personal credit reports ... Traditionally, business loans were considered separate from business owners' personal credit reports. (BusinessWeek)

    Tax preparation  Sep 2, 2009
    Businesses: or call 1-800-392-7023. West Palm Beach Tax Return Preparation. (The Palm Beach Post)

    Old lessons learned with new technology (2)  Aug 30, 2009
    That s why the experts who fight cyber crime recommend that everyone check their credit reports at least once a year and react immediately if something like being turned down for a job or a loan doesn t seem right. The law provides for one free credit report a year. (Carlisle Sentinel, PA)

    Credit limit cuts shouldn’t cause panic for consumers who use their cards wisely  Aug 30, 2009
    In the latest sampling of the 33 million who had their credit limits reduced, researchers found that the credit reports for nearly 9 million contained recent negative credit dings such as late payments. It was such information that may have prompted lenders to reduce those customers limits. (Boston Globe)

    38,000 Social Security Numbers Potentially Exposed After Theft  Aug 30, 2009
    The only thing Georgetown's administration listens to is money, if we can get the word out to alums to start waving the "fix this or kiss your donations good bye" flag, you might actually see things like free credit reports and more security in the future ... "1. Identity Theft will be a bigger problem for you as GU grads than for the US population as a whole. College grads, particularly from schools who have a reputation for affluent students, are much more tempting targets for fraud and... (The Hoya, Washington DC)

    LifeLock fraud alerts deemed illegal  Aug 30, 2009
    will have to find a new way to protect consumers from identity theft as a U.S. District Court Judge found that its practice of placing fraud alerts on customers credit reports is illegal ... 5 million customers, who pay up to $10 a month to have the company place fraud alerts on their credit reports every 90 days in an effort to deter identity theft. (Phoenix Business Journal, AZ)

    Super Educational Conference: HR Mixes It Up With Background Screeners  Aug 28, 2009
    Other experts will discuss Driving Records, Social Security Trace, Credit Reports, Workers' Compensation, Drug Testing, issues surrounding international screening, and lean cutting edge solutions to their hiring programs. The third day will focus on bringing all of the sessions together with a negligent hiring mock trial and a 25 point self-assessment audit of a firm's current background screening and hiring procedures. (PR Newswire)

    Consumers Turn To Lexington Law For Help Recovering From The Devastating Effect Divorce Can Have On Their Credit Reports And Score  Aug 23, 2009
    Having assisted hundreds of thousands of clients with their credit repair efforts, Lexington Law has seen time and time again the devastating effects a divorce can have on a person's credit reports ... As a result, even ex-spouses who diligently pay their bills on time may see their credit score dramatically decrease when the other ex-spouse defaults on financial obligations, because the creditor will report the delinquency on both spouses' credit reports ... "Even the most amicable of divorces... (Yahoo News -- Press Releases)

    Full Story »  Aug 23, 2009
    Consumers Turn To Lexington Law For Help Recovering From The Devastating Effect Divorce Can Have On Their Credit Reports And Score - Yahoo ... Consumers Turn To Lexington Law For Help Recovering From The Devastating Effect Divorce Can Have On Their Credit Reports And Score ... Having assisted hundreds of thousands of clients with their credit repair efforts, Lexington Law has seen time and time again the devastating effects a divorce can have on a person's credit reports. (Yahoo News -- Press Releases)

    How to Improve Credit Scores  Aug 20, 2009
    Yes, these inquiries will appear on credit reports but if they all occur within the same 14-day period they will collectively count as a single entry. Credit card applications, however, are not entered on reports in the same fashion. (Suite101.com)

    Your data may still be at risk  Aug 20, 2009
    Regularly check your credit reports and card statements for suspicious activity, and consider setting free fraud alerts with the credit-reporting agencies ... The best advice: Regularly check your credit reports for suspicious activity, and set free fraud alerts with the credit-reporting agencies. (Seacoast New Hampshire)

    Pastor lauds Palo Alto police for 'better behavior'  Aug 19, 2009
    This time, Burns and other department officials focused on more routine subjects: crime statistics (robberies down, except in vehicles), fraud-prevention tips (check credit reports often, leave unnecessary credit cards at home), personnel changes (the department received close to 500 applications for four vacant positions) and updates on the recent marijuana busts in the foothills. The question of racial profiling wasn't mentioned until the very end, when Darrington told the officers that some... (Palo Alto Online, CA)

    Indictment of card hacker unlikely to end thefts  Aug 19, 2009
    The best advice: Regularly check your credit reports for suspicious activity, and set free fraud alerts with the credit-reporting agencies. In this case, the thieves might have failed by being too successful. (MSNBC -- Technology)

    LifeLock tries to fend off legal battles  Aug 19, 2009
    They also provide basic services to consumers such as free fraud alerts and free annual credit reports and other credit-monitoring products for a fee. Experian, which filed the lawsuit against LifeLock in February 2008 in U.S. District Court for the Central District of California, argues that the law allows only individuals to set fraud alerts. (AZCentral -- Business)

    Crack Down On Abusive Debt Collectors  Aug 19, 2009
    I now have something on my credit reports saying I dont want any applications and I bend over backwards to destroy old bills and such ... Well I was hounded by a Debt Collector in Florida, for a Cell phone bill I didn't owe on, that company being VOICE STREAM back in 2000, which was bought out by another company, which as the investigation went, turns out that VOICE STREAM, did such lousy book keeping, that when the new company bought them they thought they were going to be able to collect on... (CBS News)

    At Your Library: Dont pay for free stuff  Aug 19, 2009
    At the end of the ad it has a quick disclaimer that your credit reports are only free when you enroll in a program that will cost you money if you don t cancel within seven days. Please don t fall for this. (Harwich Oracle, MA)

    Residents report credit card fraud  Aug 18, 2009
    Hoerr said credit card holders should check their credit reports and bank accounts regularly, shred old bills and checks and be extremely mindful of leaving their cards unattended. It s kind of hard, he said. (Belmont Citizen Herald, MA)

    How were Social Security numbers given away?  Aug 17, 2009
    "This is the trouble consumers have. There are obvious questions that need answers, and they don't have to answer you," said Evan Hendricks, author of "Credit Scores and Credit Reports." "You're sort of highlighting how wrong things can go, and how powerless you are to do anything.". 2009 The Associated Press. (Concord Monitor)

    Credit clinic set Friday at Goodwill  Aug 12, 2009
    Free credit reports and scores will be provided, although photo IDs are required to get a credit report. Although attendance is free, participants must register in advance by calling Cathi Watkins at the Athens Land Trust at (706) 613-0122 or the Goodwill Career Center at (706) 433-1908. (Athens Banner-Herald)

    LifeLock gets $40M in new financing  Aug 10, 2009
    5 million clients paying up to $10 a month to have their credit reports monitored for unusual activity. Part of the investment also will be used to help LifeLock expand beyond providing credit alerts. (Phoenix Business Journal, AZ)

    Stolen laptop holds Army Guard members' data  Aug 6, 2009
    The Web site provides steps on how to check credit reports, how to guard against identity theft and who to call if a guard member believes any fraudulent activity occurs with his or her personal information. Click for related content. (MSNBC -- Technology)

    Data of Soldiers, Hospital Patients Found on P2P  Aug 1, 2009
    "Military families are prime targets for identity theft as the thieves are aware that the soldiers are probably not checking their statements or credit reports very closely due to the serious nature of the work that they are performing," Boback said. Lime Wire on the hot seat. (SmallBusinessComputing)

    Access to credit card report  Aug 1, 2009
    These are a few of the spruce up elements planned to be implemented in your current credit reports. What's more from next year (2010) there will be a system in place through which you can have access to your credit reports. (India Times)

    Buying and selling tips  Aug 1, 2009
    If there is a problem getting pre-approval because of your credit rating, get copies of your credit reports and determine if anything on the report is inaccurate or over seven years old which means it must be removed. You can go to to get a consolidated credit report for a small fee. (iAfrica.com)

    Should Your Credit Report Cost You a Job?  Jul 31, 2009
    Individuals then may dispute the accuracy of the information in the report, as many credit reports contain errors. Critics of the new legislation argue that, because of its limited exemptions, it would prohibit employers in nonfinancial firms from checking out the credit history of employees who would be performing a financial function--a manager of a retail store, for example, or a call center employee who handles credit card numbers. (Yahoo News -- Top Stories)

    Experts answer your credit questions  Jul 28, 2009
    com to view and/or print a FREE copies of your credit reports from each of the 3 major credit reporting companies. I printed mine out last night and am glad that I did because there were at least 6 accounts on my Experian report that I know did not come from me. (Atlanta Journal-Constitution -- Business)

    Help is at hand  Jul 26, 2009
    Once youre under the scheme, the respective financial institutions will be notified, and your information will be placed into the CCRIS (Central Credit Reference Information System, Bank Negaras database of borrowers from which financial institutions can obtain credit reports). When you come to us, we can stretch the repayment to 10 years, though that doesnt mean everyone gets 10 years. (The Star Online, Malaysia)

    Another front for fairness  Jul 24, 2009
    The truth may become evident from a check on a Social Security number or a search of credit reports. Transgender advocates aren t looking for sympathy. (Boston Globe)

    Residential burglaries down from last year  Jul 23, 2009
    In a special presentation on identity theft, fraud detectives Jason Jenkins and James Reifschneider urged residents to use shredders and track their credit reports. A recent trend is for criminals to steal Visa or MasterCard gift cards and encode the magnetic strip with stolen credit card information, then launder them by using them to purchase store-brand gift cards, such as a Target gift card. (Palo Alto Online, CA)

    Equifax earnings drop 16 percent  Jul 23, 2009
    With business down across the globe, fewer customers were accessing the company s database of credit reports and other financial products and services. Year-over-year revenues fell 9 percent, to $455. (Atlanta Journal-Constitution -- Business)

    Actor Stephen Baldwin files for bankruptcy  Jul 22, 2009
    Be Smart- Get Free Credit Reports oring during Bankruptsy Now. $30/Hour Work From Home Jobs. (Yahoo News -- Top Stories)

    Plano-based business helps veterans keep identity  Jul 21, 2009
    A credit freeze seals your credit reports and ensures that new lines of credit cannot be opened in your name. Initially, all Wilson was able to get was a few pieces of legislation introduced and a dog and pony show in Washington that didn t actually do anything to protect the vets, he said. (McKinney Courier-Gazette, TX)

    Savvy tips for cutting insurance costs  Jul 21, 2009
    "QBE always encourages people to order free credit reports each year to make sure the information is current and accurate," says Fester. "Credit cards you don't use should be canceled because the open line of credit counts against you." Don't be afraid to ask if your insurance company gives breaks for. (Ontario Argus Observer, OR)

    How to Get More Than One Free Credi...  Jul 17, 2009
    The Fair Credit Reporting Act (FCRA) lists ways to get additional free credit reports ... The FCRA allows consumers to get additional free credit reports for many of the following common reasons directly from the three CRA. ... As a result, many have received letters from their lenders lowering the availability credit based upon information received from a CRA. Because of this, many consumers have access to additional free credit reports. (Suite101.com)

    Obama's Cheaper Mortgages Trigger Lower FICO Scores for On-Time Borrowers  Jul 17, 2009
    There should be clear disclosures so consumers understand this is a major hit on the credit score, said , Washington-based author of Credit Scores & Credit Reports. Theres no sugar-coating the reality of the negative impact. (Bloomberg -- US)

    Feds confirm probe into credit default swaps  Jul 16, 2009
    Get All 3 Credit Reports and All 3 Credit Scores Today for Free. Featured. (Yahoo News -- Politics)

    City workers warned to check credit reports  Jul 15, 2009
    Durham, Chapel Hill and the Research Triangle Region. BY RAY GRONBERG : The Herald-Sun Jul 15, 2009. (Herald Sun)

    Oscient files for Chapter 11 bankruptcy protection  Jul 15, 2009
    1st Step- Get Free Credit Reports oring during Bankruptsy Now. Featured. (Yahoo News -- Pharmaceutical Industry News)

    Workers To Employers On Finances: 'Help!'  Jul 15, 2009
    Plunkett Cooney, a Detroit area law firm with 300 employees, rolled out a range seminars on credit cards, credit reports, budgeting and home mortgages. Cara Blazek, who works in the payroll department, says the sessions helped ease her mind and plan better. (Click2Houston, TX)

    Filing for Bankruptcy to Avoid Fore...  Jul 15, 2009
    However, mortgage refinancing can be more difficult as filings show on personal credit reports for either 7 or 10 years. In practice, a can start to improve after a couple of years. (Suite101.com)

    Concession Thoughts  Jul 14, 2009
    With most tenants that means good financial information, from sales reports to operating statements, to a new business plan, to new financial statements and credit reports. With many tenants, however, realistically, such information just isn't available. (RealtyTimes)

    Instant Credit Builders  Jul 11, 2009
    All individuals should monitor their credit reports. Unfortunately, identity theft is a real problem that happens to a lot of good people. (Suite101.com)

    Taking On Small-Business Identity Theft  Jul 10, 2009
    The federal government followed suit with the Fair Credit Reporting Act of 2004, which required consumer reporting agencies to establish a centralized source for report requests, provide free credit reports every 12 months, and provide a credit report after instances of fraud. California's Anti-Phishing Act of 2005 made it illegal to use the Internet to "solicit, request, or take any action to induce another person to provide identifying information by representing itself to be a business... (BusinessWeek)

    Big payday could help Mayweather fend off IRS  Jul 3, 2009
    Liens damage a person's credit rating and remain on credit reports longer than other negative information, such as late payments. Once unpaid taxes are satisfied, the IRS files lien releases saying so with the county recorder. (MSNBC -- Sports)

    General Motors' sale hearing set to continue  Jul 1, 2009
    1st Step- Get Free Credit Reports oring during Bankruptsy Now. Get ALL of your questions answered. (Yahoo News -- Technology)

    It's Like eBay Meets Match.com  Jul 1, 2009
    In addition to this (unverified) information, Prosper lists hard data from borrowers' credit reports, including past delinquencies, credit lines, and ranges for income and credit rating. Once a desirable borrower is identified, lenders place bids specifying how much they're willing to lend to a particular borrower and at what interest rate. (Slate)

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