DEAFBG Sun, 26 Sep 2021 00:00:00 +0000 en-US hourly 1 DEAFBG 32 32 The Summit County real estate market is anything but easy for first-time home buyers Sun, 26 Sep 2021 00:00:00 +0000

Longtime local real estate agent Leah Canfield and Coldwell Banker Mountain Properties realtor smiles outside a Wellington neighborhood home in Breckenridge on Saturday, September 25. Canfield recommends that first-time homebuyers set aside at least six months to give themselves time. to find a property in the county.
Ashley Low / For the Daily News Summit

Soaring prices, high inventory turnover and cash offers are all proof that the Summit County real estate market has been hot for some time now, but what has it done for home buyers? a first home?

In the case of Dillon resident Alex Cole, that meant waiting up to seven months to find a property that met his minimum requirements and was on budget. Cole lived in Denver and had spent a few winters in the county before deciding he wanted to move. He was looking for a property that had to be within county limits, within his budget, and that was a two bedroom property in a quiet neighborhood.

“As of February, it’s just been a game of patience,” Cole said. “I feel like you are starting to build your pieces of the puzzle. I knew it was Summit County. Now I had to figure out, given my price, what was the specific neighborhood? “

At first Cole said he researched Breckenridge before focusing on Wildernest and then Dillon Valley, where he recently purchased a three-bedroom, two-and-a-half-bath condo.

Leah Canfield, real estate agent at Coldwell Mountain Banker Properties, said it was not uncommon. In fact, buyers recommended by Canfield give themselves six months to find a property. To move the process forward, Canfield said buyers should work closely with their agent using the multiple listing service’s database to set realistic expectations before moving forward.

“I would recommend that they look in the (Multiple Listing Service) and pick up anything that has sold in the last six months that meets their criteria and is on budget, and if there is has a couple of places that have sold out, that means there’s not much there, “Canfield said.” It means they’re looking for something that doesn’t exist. “

Cole closed his house at the end of September. According to the Summit County Appraiser’s Office, the condo’s selling price was $ 530,000.

Price is another factor that makes it difficult for first-time buyers to gain a foothold in the market. Silverthorne resident Andrea Perry said she has been living in her family’s vacation home in Leadville for the past five years, which has helped her save enough for a down payment. Even then, she said her parents gave her financial assistance during the shutdown.

“The only reason I was able to do this was with the help of my family,” said Perry. “Being able to rent a house from them and having my parents help with the down payment has really made this possible, and a lot of people don’t have the resources to help them buy their first home. It is a really difficult process. “

Perry said she was one of many bids vying for his two-bedroom, two-bathroom condo in Wildernest. She believes it was a letter to the sellers, along with a short registration period, that helped sway their decision in her favor.

“I had offered her the asking price and had written a letter about being a local and being a first-time home buyer, and I think all of that and the short duration of the list were the only reasons for which I was able to get the spot, ”says Perry.

While writing a letter has worked in Perry’s favor, Canfield said it falls into a gray area and some officers will try to discourage writing and receiving letters as it could result in lawsuits for discrimination.

Perry said it was difficult to find something that worked for her in the available inventory. She was looking for a two bedroom condo with washer and dryer, and she ended up finding one in Wildernest. According to the Summit County Appraiser’s Office, the condo’s selling price was $ 549,000.

Among first-time buyers looking to enter the county’s real estate market, Canfield said a majority of them already live in the county. Canfield said she has heard of the expansion of families currently rented out and sometimes interested in buying a home, but it’s hard to save enough for a down payment due to high rent payments. Some others who currently live in a house are reluctant to sell because their house is likely to be devoured much sooner than they can find a new location.

As for the cheapest inventory in the county, the last report produced by Land Title Guarantee Co. points to units in the Dillon Valley. The average transaction price for a unit here is $ 382,292. However, unit prices in traditionally cheaper areas continue to rise. Canfield said A-frame homes in Blue River were once considered affordable, but some of them hit the million dollar mark. According to the Land Title report, the average unit transaction price in Blue River is $ 747,900.

There are resources for first-time home buyers to help them enter the market. In addition to various federal programs, the Summit Combined Housing Authority offers three different down payment assistance loan programs for residents of Summit County. These loans are only available for the purchase of a primary home and require a 1-1 match of up to $ 25,000.

Rob Murphy, executive director of the Summit Combined Housing Authority, said the organization typically grants three to seven loans per year and this year has been quiet with just one loan granted. Murphy said he attributes this to the low interest rates and the fact that few people know about these programs.

Even with programs like these available, Canfield and Cole both said first-time homebuyers should be patient once they start looking at the market.

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Defense hopes to block video evidence in Bart Reagor fraud trial Sat, 25 Sep 2021 20:30:53 +0000

Bart Reagor’s lawyers are asking the federal judge presiding over his bank fraud case to prevent prosecutors from showing video evidence in which he boasts of having obtained his wealth from “other people’s money” and that everything what he did was planned.

The request was one of multiple motions and briefs filed last week ahead of Reagor’s Oct. 12 trial in Amarillo before Judge Matthew J. Kacsmaryk.

Reagor, the former CEO of Reagor-Dykes Auto Group, faces two counts of bank fraud and one count of misrepresenting a bank. The charges stem from an investigation that allegedly showed that between 2016 and 2018, he funneled more than $ 1.7 million into his personal bank account on a $ 10 million loan from the International Bank of Commerce.

Prosecutors, who also filed a lawsuit file last week, intend to show jurors that the bank loan was intended to be used as “working capital” for RDAG, as the dealership was growing so rapidly that he lacked money.

Prosecutors believe Reagor intentionally concealed his intention to use the money for personal expenses when he negotiated the loan with IBC because the bank would not have loaned him the money otherwise.

The videos prosecutors plan to use come from several meetings Reagor has had with his employees. In a clip, Reagor tells his sales team that “he made it and got rich on ‘OPM’ which is ‘other people’s money’,” says the trial record of the government.

Another clip shows Reagor telling his employees that “he does what he wants, that nothing is an accident and that he does everything” on purpose. “

Prosecutors said Reagor’s statements were not bad acts or confessions of criminal conduct. However, they argue that the proposed evidence meets an exception for the use of character evidence if it proves the motive, expediency, intention, preparation, plan, knowledge, identity or absence. error or accident.

Prosecutors argued in their brief that the video clips would rebut Reagor’s defense that “he did not have the requisite intent to defraud or mislead the bank linked to the loan.”

Meanwhile, in 2018, RDAG filed for bankruptcy when its creditor, Ford Motor Credit, filed a lawsuit to collect unpaid debts after discovering a huge dummy flooring and control system designed to steal their money. millions of dollars.

This lawsuit sparked a separate criminal investigation which resulted in the conviction of 15 RDAG employees for their role in a system of dummy check kits and flooring designed to deceive the dealership’s creditor, Ford Motor Credit, of millions. of dollars.

Among the employees who have pleaded guilty are former RDAG CFO Shane Smith and RDAG legal and compliance director Steven Reinhart. Both are expected to be sentenced in December and are expected to testify against Reagor at the trial. Court documents indicate that Reinhart and Smith have agreed to cooperate with the government as part of their plea deal.

Smith is expected to testify that he was instructed by Reagor to divert part of the loan to him, which was paid to him in two installments. Reagor then deposited the money into his personal bank account.

“The parts of the loan proceeds diverted to Reagor were not, and never were intended by Reagor, to be used as ‘working capital’ for RDAG, but were instead intended to enrich themselves,” it reads. in the prosecutor’s brief.

Prosecutors believe Reagor also asked Smith to distribute the same portion of the loan to Reagor’s partner Rick Dykes. Dykes, currently not charged with any offense, was included in Reagor’s email message directing personal distributions.

Reagor’s lawyers argue that the video evidence is irrelevant since Reagor does not mention IBC or suggest that Reagor engaged in criminal conduct.

Instead, they said the videos showed Reagor admitting to legally borrowing money from other people, which is contrary to the fraudulent conduct the government accuses Reagor of having committed.

Meanwhile, Reagor’s attorney informed the court that he did not intend to raise a “lawyer” defense. Kacsmaryk ordered Reagor to reveal whether he planned to pursue a defense that he acted on the advice of a lawyer when he embezzled the working capital loan from his personal bank account.

However, among the witnesses Reagor’s lawyer expects to call during the trial is Chuck Darter, a Lubbock CPA who had advised and assisted Reagor on financial and tax matters for more than two decades. He should educate jurors about Reagor’s habit, custom and practice in reviewing complex financial transactions and his reliance on those around him to provide proper advice, the Reagor’s witness list.

Dykes is also listed as a potential witness for Reagor. He would have to tell jurors that he believed the loan agreement permitted personal distributions and that he had no intention of committing bank fraud when he applied for the loan.

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UWM Launches “BOLT”, Giving Mortgage Brokers the Tools to Get 15-Minute Initial Approval Sat, 25 Sep 2021 19:38:00 +0000

PONTIAC, Michigan – (COMMERCIAL THREAD) – United Wholesale Mortgage (UWM), America’s premier wholesale and buying lender, today announced the launch of BOLT, a self-service platform that achieves initial approval for qualified borrowers in just 15 minutes. Mat Ishbia, President and CEO of UWM, made the announcement today at the Association of Independent Mortgage Experts (AIME) Fuse event live.

This revolutionary tool uses data mining, automatic document recognition and smart technology to enter information from items such as driver’s licenses, tax returns, county records, and more. It will also create efficiency by providing brokers with access to the same income calculator used by UWM underwriters and, using automated tools and artificial intelligence, notify the user of any potential discrepancies.

“We have demonstrated time and time again with our proprietary technology, including UClose, our InTouch Mobile app and One-Click AUS, that we are leading the way in making the loan process faster and easier without compromising quality in any way. whatever, ”Ishbia said. “With BOLT, brokers will now have the control, speed and certainty they need to get loans to the closing table faster than ever before. ”

The new functionality can be found in UWM’s loan origination system, EASE. When brokers upload a loan application with the required documentation, then they will be able to choose to use BOLT. This will provide them with a step-by-step process that will allow them to complete the initial approval when it’s convenient for them, creating a faster experience and fewer subscription keys.

“We will remember BOLT as an important development in the mortgage industry that has forever changed the way underwriting is done,” said Ishbia. “UWM built this technology, which uses things like document recognition and indexing. This will allow the initial approval of the case to be completed in minutes rather than hours, while ensuring that guardrails and quality standards are in place, as is always the case with UWM, to conclude deals. own loans. ”

At the AIME Fuse event, UWM also announced the launch of The Source, a new, customizable search engine that delivers the information brokers need, all in one place. This includes all guidelines, interpretations, industry news and updates to UWM products. Instead of sending users to other locations to find information, The Source searches multiple databases and uses smart search technology to generate fast, relevant results based on past and popular searches. It’s also fully customizable, allowing users to bookmark the information they need most and reference it the most.

UWM supports independent mortgage brokers with state-of-the-art training, technology and service. For more information on how to register as a broker with UWM, visit

About UWM Holdings Corporation and United Wholesale Mortgage

Based in Pontiac, Michigan, UWM Holdings Corporation (UWM) is the publicly traded indirect parent company of United Wholesale Mortgage. UWM has been the nation’s leading wholesale lender for six years in a row, delivering cutting-edge technology and unmatched customer service. UWM is known for providing highly efficient, accurate and fast loan assistance. UWM underwrites and provides closing documents for residential mortgage loans issued by independent mortgage brokers, correspondents, small banks and local credit unions. UWM’s exceptional teamwork and focus on providing innovative mortgage solutions are the driving force behind the company’s continued growth and its leadership position as a leading advocate for mortgage brokers. For more information, visit or call 800-981-8898. NMLS # 3038.

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]]> 0 How to get instant approval on NRI IndusInd Bank personal loan? Sat, 25 Sep 2021 15:34:36 +0000

Living abroad often leaves you with a lack of funds to support a diverse set of expenses. It can range from big expenses to sudden expenses. To cover your expenses during your stay abroad, you can apply for a personal loan there. However, this may not be easy for NRIs due to a country’s banking infrastructure and regulations. Unless you are getting citizenship or are ready to get one in your current country of residence, it is ideal to opt for personal finance from India.

As an NRI, you can apply for one from a reputable institution like IndusInd Bank to take care of your emergency expenses or daily living.

Benefits of opting for an NRI personal loan with IndusInd Bank

In addition to an exceptionally fast approval and disbursement process that comes in handy during an overseas emergency, the IndusInd Bank also includes the following.

Reduced processing costs

If you’re worried about paying a processing fee in exchange for a seamless application and disbursement process, don’t! The Bank charges a nominal fee which is only a tiny percentage of your loan. The final processing fee will depend on your final request.

Flexible terms

It’s understandable if you can’t pay off your personal loan quickly. So, why not choose one that comes with a negotiable repayment term. Since IndusInd Bank offers a wide range of terms ranging from a few days to several years, you can pay off your loan at a comfortable pace.

Attractive interest rates

When taking out a personal loan, the interest rate is often a point of consideration for all individuals, including NRIs. IndusInd Bank offers personal finance at competitive interest rates. This feature makes the loan more affordable, allowing you to borrow a larger amount which can easily cover large expenses.

Minimum documentation

Applying for an NRI personal loan at IndusInd bank does not require a lot of paperwork. You need documents proving your NRI status as well as KYC documents like PAN card etc. along with your proof of income.

Unsecured loan

As this is an unsecured loan, you can avail it from IndusInd Bank without pledging any collateral. Simply put, you don’t need a bank guarantee to be eligible for personal loan approval. This saves you the stress of keeping an asset collateral.


If you need funds fast, why wander off trying to apply for funding overseas? Simply visit the IndusInd Bank portal for personal loans for NRIs, complete your application, upload the required documents and get instant approval.

Before applying for this loan, you can also assess your monthly payments with the Bank using a personal loan EMI calculator available on their website.

Say goodbye to financial hardship abroad with a quick and hassle-free personal loan.

(To receive our electronic paper daily on WhatsApp, please click here. We allow sharing of the PDF document on WhatsApp and other social media platforms.)

Posted on: Saturday September 25, 2021 9:04 PM IST ]]> 0 KENYA: Co-operative Bank obtains $ 7.5 million guarantee for financing green SMEs Sat, 25 Sep 2021 11:25:32 +0000

The Co-operative Bank of Kenya (CBK), a Nairobi-based financial institution, is launching a new range of bank loans for Kenyan small and medium-sized enterprises (SMEs) operating in the solar energy sector. It includes upselling business solutions, counterparty onboarding opportunities, growing trade commissions, and integrating new package accounts for micro, small, and medium-sized enterprises (MSMEs).

The launch of these financing options for Kenyan SMEs involved in solar energy was made possible by the $ 7.5 million guarantee facility provided to CBK by the African Guarantee Fund (AGF). “Banks in Kenya urgently need risk mitigation instruments to support their SME lending activities. However, we must aim for economic growth without degrading the environment. Sustainability improves the quality of our lives, protects our ecosystem and preserves natural resources for future generations. Our partnership with the Cooperative Bank now reflects our commitment to increasing the financing of green businesses ”, says Franck Adjagba, Director of Business Development at AGF.

Kenya relies on solar power for universal access to electricity by the end of 2022

Kenya is aiming for universal access to electricity by the end of 2022, up from 75% currently. Photovoltaic mini-grids are among the options being considered to provide electricity to rural communities that house a large part of the population, but are too remote to be electrified through the national grid.

Read also-AFRICA: DFC invests $ 10 million in solar energy via the Nithio platform

The new financing arrangements for green SMEs offered by CBK and the evolution of international solar costs will allow Kenya, the largest economy in East Africa, to move forward towards its energy ambitions. According to the International Renewable Energy Agency (Irena), growing demand and technological advances have contributed to a significant drop in the cost of solar photovoltaic systems over the years. Solar costs have fallen by more than 80% since 2010, while the discounted cost of energy generated by large-scale solar power plants is less than $ 0.09 per kWh, or Kshs 10 per kWh, compared to around Kshs 38 per kWh ten years ago. According to the same source, between 2018 and 2019 alone, the price of solar energy fell by 13%.

Boris Ngounou

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Public PPP borrowers leverage the portal Sat, 25 Sep 2021 07:21:46 +0000

In the first six weeks of operation, the U.S. Small Business Administration said more than one million paycheck protection program borrowers have requested direct remittance through a new portal.

Agency officials said the step highlights the effectiveness of the more streamlined process, introduced on August 4 to speed up approvals.

“Our innovative direct forgiveness portal is helping our PPP borrowers get back to doing what they do best – creating jobs and fueling our country’s economy,” SBA administrator Isabella Guzman said in a statement.

In Arkansas, the SBA has granted forgiveness on 41,121 loans, reaching nearly $ 3 billion, through June 30, according to agency records. The SBA has approved 77,073 paycheck protection loans in Arkansas for a total of $ 4.7 billion.

Arkansas forgiveness figures, however, do not include approvals that have been granted since the portal opened last month. “We’re on the right track with the national average and, with a straightforward pardon, I think we’re going to see those numbers increase quite significantly,” said Edward Haddock, SBA district director for Arkansas on Friday.

The direct remittance portal allows borrowers to bypass lender certification and enter paycheck protection program loan data and submit a request for approval. The portal uses a proprietary, artificial intelligence-based platform that is able to quickly determine if a loan is approved, Haddock said.

Previously, borrowers had to compile documents, submit them to their lender for review, and the bank would then conduct a more in-depth review before submitting the application to the SBA.

The Forgiveness Portal is simpler and more efficient, according to Haddock. “It has given the banks a great deal of relief from having to create their own PPP review process,” he said. “We automate the process on behalf of the bank so they don’t have to invest money in it.”

Banks must register and authorize their customers to use the direct forgiveness portal. The system is mainly used by small lenders who used a manual approval process or by banks with limited resources to invest in building a fully automated infrastructure.

According to Haddock, large institutions do not participate because they already have effective systems.

Arkansas Capital Corp. of Little Rock opted for its small business borrowers to submit applications directly.

“For us it was really about efficiency,” said Bert King, senior vice president. “SBA handles authentication and submission, which makes our job a lot easier. “

Arkansas Capital issued approximately 1,200 paycheck protection program loans in two rounds of funding in 2020 and this year.

The pardon approval is working well, King said, noting that the lender approved around 750 loans in the first program cycle in 2020 and 720 of them were granted pardons. “Our approval was 95% in the first round,” King said.

Simmons Bank has not opted for the portal, officials said on Friday. The bank already had a well-run system that paycheck protection program borrowers were accustomed to using, CFO Jay Brogdon said.

“It’s great that SBA has launched this portal, but by the time SBA made this portal available, we already had a portal available to our customers,” Brogdon said on Friday. “It’s very efficient and it’s basically the same, it’s just a Simmons portal. Our clients love it and our lenders love it.”

Customers are used to the existing system, Brogdon said. “It would have created a lot of confusion for our customers to replace an already functional portal with a new one,” he said.

Brogdon said Simmons was moving quickly to get approval for the pardon. Statistics up to June 30 show that Simmons issued $ 976 million in the first round of Paycheck Protection Program loans and that all but $ 141 million have been forgiven. Loan information provided by the bank shows a steady improvement in forgiveness approvals – $ 429 million in program loans were released from the first quarter to the second.

“When you extrapolate that to the third quarter, it won’t be much longer,” said Brogdon. Simmons will release new numbers after the current quarter ends on September 30. “I think we are a lot like the industry in terms of forgiveness trends.”

Lenders initially focused on securing forgiveness for the program’s first round of loans, as most are over a year old. The second round of loans was not closed until May 31, the latter part of the second quarter.

The SBA reports that lenders who choose to allow their borrowers to access the new portal have doubled from 600 when the portal opened to more than 1,400 today.

Paycheck Protection Program borrowers can for the first time complete a forgiveness application using a smartphone, the SBA said. The portal is available to eligible borrowers at

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“Food processing a victim of ignorance in the northeast” Sat, 25 Sep 2021 01:09:25 +0000

Shillong, September 24: Union Minister of State for Food Processing Industries and Jal Shakti Prahlad Singh Patel on Thursday lamented that many people in the northeast have no idea those who belong to the listed caste (SC) and to the listed tribe (ST), can benefit from a subsidy of 70% for the establishment of a food processing unit.
“It appears that there is still a lack of awareness among the residents of the northeast of the various Indian government projects,” the minister said after inaugurating a two-day summit on Friday’s food processing opportunities in the region. ‘IIM, Shillong Campus in Umsawli. .
Stating that the information provided by the government on the various programs is important, he advised people to take advantage of the program, noting that it can create employment opportunities.
Explaining the program, he said: “If people show up in groups, they will get a 35% grant on a loan taken from a bank to create such a unit. There will be a cap of 35% or Rs 10 lakh on a loan of Rs 30 lakh. “
Patel said the ministry believes there is a need to hold a conclave for aspiring entrepreneurs, experts, technicians or people in the Northeast interested in food processing industries. According to him, Prime Minister, Narendra Modi is interested in this sector and has allocated sufficient funds to it.
Connectivity and coordination with different departments and ministries is necessary for entrepreneurs to thrive, the minister said, stressing that there should be no lack of communication between departments and stakeholders.
Atul Kulkarni, Board Member of IIM Shillong, said: “Insufficient institutional support and inadequate R&D are some of the main challenges facing the food processing sector in the North East. “
He said it’s a good sign to see the competence of entrepreneurs in the area.
During the event, successful entrepreneurs from across the North East shared their experiences. The entrepreneurs included wine brewer Tage Rita from Arunachal Pradesh and Shubra Devi, owner of Meira Foods in Manipur.

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Golden Entertainment Provides Data Incident Notice Sat, 25 Sep 2021 00:00:00 +0000

LAS VEGAS, September 24, 2021 / PRNewswire / – Golden Entertainment, Inc. (“Golden”) is notifying individuals of an incident that may affect the privacy of certain personal information as part of its commitment to privacy. Golden has no evidence of any actual or attempted misuse of the information as a result of this incident, but this advisory provides details of the incident, Golden’s response, and the resources available to help protect the information.

What happened? At the end of January, Golden discovered that parts of its network were infected with malware. Golden promptly took action to secure the network and, with the help of forensic computer experts, conducted an investigation to determine the nature and extent of the event, including any risk to the data. The investigation confirmed that an unauthorized actor gained access to part of the network and to encrypted network files around 24 january, 2021. The investigation also determined that the unauthorized actor had acquired certain documents before the encryption. Since network locations were accessed without authorization, Golden undertook a long, tedious, in-depth review of potentially impacted information to identify potentially impacted information and to whom it pertains. This examination was carried out on or about 25 August 2021, date on which Golden confirmed the persons whose information was present. Golden then endeavored to reconcile the results of the review with internal records in order to identify the individuals to whom the data pertained and the appropriate contact details of those individuals in order to notify potentially affected individuals as quickly as possible.

What information was involved? Although the information involved varied among individuals, the investigation determined that the information involved included name, date of birth, social security number, driver’s license or state identification number, financial account information, debit or credit numbers, and medical treatment or diagnostic information. Please note that Golden has no evidence of any misuse of the affected information as a result of this incident.

What we do. Golden takes this incident and the security of personal information very seriously. After discovering the activity, Golden conducted a thorough investigation of the event to confirm its nature and scope. In addition, Golden has security measures in place to protect data on its systems and continues to evaluate and update security measures and employee training to protect the privacy and security of information in its possession. the guard. Golden also informed law enforcement of this event and notified regulatory authorities, as required by law.

At September 24, 2021, Golden Entertainment has begun sending written notices to those potentially affected. Golden Entertainment also reported this incident on its website at: As an added precaution, Golden is offering data subjects free access to credit monitoring and identity theft protection services through Kroll as an added precaution.

What you can do. Golden encourages individuals to remain vigilant against incidents of identity theft and fraud by reviewing account statements and monitoring free credit reports for suspicious activity and reporting any such activity to law enforcement. ‘order. Individuals can also sign up to receive the free credit monitoring services offered in the letter. Please also see the information contained below Other measures to protect personal information.

For more information. Golden Entertainment has set up a dedicated toll-free line at (855) 551-1533, 6:00 a.m. to 3:30 p.m. Pacific Time, Monday to Friday (except certain public holidays in the United States). Golden also has information relating to the event available on its website at You can also write to Golden Entertainment at 6595 S. Jones Blvd., Las Vegas, Nevada 89118.

Other measures to protect personal information

Under US law, a consumer is entitled to one free credit report each year from each of the three major credit bureaus, Equifax, Experian, and TransUnion. To order a free credit report, visit or call toll free 1-877-322-8228. Individuals can also contact the three major credit bureaus listed below directly to request a free copy of their credit report.

Consumers have the right to place an initial or extended “fraud alert” on a credit file at no charge. An initial fraud alert is a one-year alert that is placed on a consumer’s credit file. When seeing a fraud alert appear on a consumer’s credit report, a business is required to take steps to verify the consumer’s identity before granting new credit. If individuals are victims of identity theft, individuals are entitled to an extended fraud alert – a fraud alert that lasts for seven years. If consumers wish to place a fraud alert, please contact one of the three major credit bureaus listed below.

Instead of a fraud alert, consumers have the right to place a “credit freeze” on a credit report, which will prevent a credit bureau from disclosing information in the credit report without authorization. express of the consumer. The credit freeze is designed to prevent credit, loans and services from being approved on behalf of a person without their consent. However, consumers should be aware that using a credit freeze to control who has access to personal and financial information on their credit report may delay, interfere with or prevent the timely approval of any request or subsequent request. made by people regarding a new loan, credit, mortgage, or any other account involving the extension of credit. Under federal law, individuals cannot be required to place or lift a credit freeze on their credit report. To request a security freeze, people will need to provide the following information:

Full name (including the initial of the middle name as well as Jr., Sr., II, III, etc.);

  1. Social Security number;
  2. Date of Birth;
  3. Addresses from the previous two to five years;
  4. Proof of current address, such as a current utility bill or phone bill;
  5. A legible photocopy of a government issued ID card (driver’s license or state ID card, etc.); and
  6. A copy of the police report, investigation report, or complaint filed with a law enforcement agency regarding identity theft if you are a victim of identity theft.

If a person wishes to freeze their credit, please contact the three major credit bureaus listed below:







Equifax Fraud Alert, PO Box 105069 Atlanta, GA 30348-5069

Experian Fraud Alert, PO Box 9554, Allen, TX 75013

TransUnion Fraud Alert, PO Box 2000, Chester, PA 19016

Equifax Credit Freeze, PO Box 105788 Atlanta, GA 30348-5788

Experian Credit Freeze, PO Box 9554, Allen, TX 75013

TransUnion Credit Freeze, PO Box 160, Woodlyn, PA 19094

Individuals can learn more about identity theft, fraud alerts, credit freezes, and the steps you can take to protect your personal information by contacting consumer information bureaus, the Federal Trade Commission or your state attorney general.

The Federal Trade Commission can be contacted at: 600 Pennsylvania Avenue NW, Washington DC 20580;; 1-877-ID-VOL (1-877-438-4338); and TTY: 1-866-653-4261. The Federal Trade Commission also encourages those who discover that their information has been misused to file a complaint with them. Individuals can obtain further information on how to file such a complaint by using the contact details provided above. Individuals have the right to file a police report if they are victims of identity theft or fraud. Please note that in order to file a report with law enforcement for identity theft, individuals will likely need to provide proof that they have been a victim. Known or suspected cases of identity theft should also be reported to law enforcement and the state attorney general. This notice was not delayed by the police.

For District of Colombia residents, the District of Colombia The Attorney General can be contacted at: 400 6th Street, NW, Washington DC 20001; 202-727-3400; and [email protected].

For Maryland residents, the Maryland The Attorney General can be contacted at: 200 St. Paul Place, 16th Floor, Baltimore, Maryland 21202; 1-410-528-8662 or 1-888-743-0023; and

For New Mexico residents, you have rights under the Fair Credit Reporting Act, such as the right to be informed if information in your credit report has been used against you, the right to know what is on your credit report , the right to ask for your credit score, and the right to challenge incomplete or inaccurate information. In addition, according to the Fair Credit Reporting Act, consumer information bureaus must correct or delete information that is inaccurate, incomplete or unverifiable; consumer news agencies cannot report negative information that is out of date; access to your file is limited; you must give your consent for credit reports to be provided to employers; you can limit the “pre-selected” credit and insurance offers you get based on the information in your credit report; and you can claim damages from the offender. You may have additional rights under the Fair Credit Reporting Act which are not summarized here. Victims of identity theft and active duty military personnel have specific additional rights under the Fair Credit Reporting Act. We encourage you to review your rights under the Fair Credit Reporting Act by visiting, or by writing to the Consumer Response Center, Room 130-A, Federal Trade Commission , 600 Pennsylvania Ave. NO, Washington DC 20580.

For new York residents, the new York The Attorney General can be contacted at: Office of the Attorney General, The Capitol, Albany, New York State 12224-0341; 1-800-771-7755; or

For North Carolina residents, the North Carolina The Attorney General can be contacted at: 9001 Mail Service Center, Raleigh, North Carolina 27699-9001; 1-877-566-7226 or 1-919-716-6000; and

For Rhode Island residents, the Rhode Island The Attorney General can be reached at: 150 South Main Street, Providence, RI 02903;; and 1-401-274-4400. Under Rhode Island law, you have the right to obtain any police report filed regarding this incident. There are 4 Rhode Island residents affected by this incident.

SOURCE Golden Entertainment, Inc.

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Facts about the Sparwood Board | Elk Valley, Sparwood Fri, 24 Sep 2021 19:42:05 +0000

Posted: September 24, 2021

Sparwood Council Facts

The following is a summary of what happened at the Sparwood District Council meeting on September 21.


Mountain mechanic sales and service

Mr. Dan Cox, representing Mountain Mechanical Sales & Service Ltd., addressed council regarding the monthly fee to join the fiber of the district business community. The district’s fiber optic management plan has been identified on the list of long-term strategic priorities.


By-law concerning the loan authorization of the fire station # 2

The Board received the Company Executive’s Certificate of Achievement for the Alternative Approval Process (AAP) for Loan Authorization By-law 1287, 2021 from the fire station. 339 accepted voter response forms were received by the deadline. This figure represents 12.27% of the estimated voters who validly submitted voter response forms and therefore voter approval was not obtained to proceed with the settlement. Council asked staff to review the scope and budget of the project in preparation for a referendum to be held in conjunction with the October 2022 municipal elections.



Council approved the purchase of a Zamboni 526 from Kendrick Equipment in the amount of $ 142,566.80 plus GST with delivery in Spring 2022. The existing resurfacer will be used for the purpose of safeguarding and maintaining the ice rink. from Lions Park.

Draft regulation on animal control

During the Committee of the Whole portion of the meeting, the board engaged in a discussion of the draft animal control regulation and provided the following guidance:

  • Include a section for dangerous dogs;
  • Do not include a section for cat licensing and cat owner responsibilities;
  • Urban hens must be allowed in the R1 zoning only;
  • Permit applications for urban hens must include a site plan, applicable fees, and written support from all adjoining land owners;
  • Annual renewal of the urban hen permit, permit fees and 100% written support from all neighbors; and
  • Delete Article 6.6 (a) of the draft regulation “no one shall allow the sale, trade or barter of eggs, manure, meat or other products derived from urban hens”.

The by-law will be presented at the regular meeting on October 5 for consideration by the council.

National Day for Truth and Reconciliation

The District of Sparwood will observe the National Day for Truth and Reconciliation on September 30, recognizing this date as a permanent holiday for all employees in the district. Mayor David Wilks speaks about this important day and encourages staff and residents to take the time to learn more about the meaning of Truth and Reconciliation.


The following meetings will be held in the boardroom (136 Spruce Avenue) at 6 p.m.

  • Regular meeting on Tuesday, October 5
  • Regular meeting on Tuesday, October 19

e-KNOW photo file

Sparwood neighborhood