The Law And You ?*.***? A Consumer's Guide to Credit Reporting Cued* icportmg Mate* bufwrai If yon hew e vm applied for ? chargt oraMb.MXMUMMI ' ' ? ^UtaayoM This fife My The companiesdim'gather and sell this information art called CRA's Moat consumers have sums (aailiartty with these koapwet which ate also often referred *o at sggaciss " These apeacies are aor aftUaaiJ with the government Thex asc anvase companies Mat make a ?root by setting iafcrmefioa lo other bueiaesees about where yon work ami live and your biH pay tag hebasThete a potential employee or . redn "wWr CRA's can seem ran poswhl sad intimidating; i ramimrri do have aoare protections under a federal law.dfe"RsjrCmdit It n?aihti Act " This law requires CRA ? ?o fiaaish oaty correct and complete lahmuallrw to those who request laformatioa about ?ou It also provides suaw ways to pet CRas to cceasct inaccurate iaSurmatioo or e van to include your version of a disputed aftuattua hi a lepon HOH DO I LOt AT t V) REPORT* Oeftiapa copy vt yuut ueua leputi can help you protect vourself It an application you have made for credit isturaaddowa because of iaformaiiow from aCRA. the panv whotunied you down must give you the name aad I address of the CRA that provided that tafonaatimi You caa also look in the I yellow papas under credit or credit repotting agencies Since mote than one CRA mav have a tile on I you. be cure to call each ageoc, listed Too of dm largest CRA's, Equifax I andTRW.maintain S00' telephone I numbers vou urn -all lor tquilav I the numbet is MI ST/ BE TOLD WHAT tS /A THE REPORT* res.die ww requiresill* the CRa tell vou about ever , piece of I wtonaaiioii m the tepun and. ut moat I caeea the auurces of the mformatiou The out exception to this rule is for certain txpe* of medical mturmanon I that were provided b> a doctor as I ?abet health .ate provider with -.our permission ?our doctor mav be able lonUaui tht? information lor vou The i Ra is out required to give vou an I actual cop- of the repon. but moat I sad more agencies are doutu %> IS THEINFORMA TMW FREE? Yes it von *ot tlemed credit because ot infofmanou the CRA psovidsii snd wwmw a wahm 30 day* ftutn the dsse on the nonce th* If von me nm) nwiwd hi oeouiy row .(edit repon the CRA may major ?'R % s will now provide ym ?HAT IAS / OO IF THE INFORMA TtON IS INCOMPLETE OK WRONG'' Notify ihr t RA and try to be as snecrfk aepuswbie The la* requires die apesc - u? rr-mve*uga*e the hems m oueahor^ S ou mav also * am to _uw*d ?he pane who provided the bad lafcirautiun u> make Mire that ?hoar reorOi ate or red It the new investigation reveals urn error, a .arretted etuoa will he teat - w? vow request-*ro anyone who received vow report m the past six mouths ilob applicants can have corrected reports seat to aayoae who received a copv m the past two veart. i WHAT IF THE CRA HILL NOT CHANGE THE REPORT If the new investigation does not clear things up. tell the CRA you wish to have -out .enmn of the facts in question in -our file and in haute reports You can submit a written statement ofatty length to be included in your Ala. If the CRA helps you to coree up with a clear summary of the Jjapwe. it may ha Untiled to 100 words. The CRA will show yow version to anyone who has recently received a copy of your report There mav be a fee depending upon how recently you were denied credit HOW LONG CAN CRA S REFORT UNFAVORARLE INFORMATION? Generally, seven years. After thai. CRA's cannot report adverse information The exceptions to this rule are bankruptcy (which can be reported form 10 years), where vou apply for large amounts of credit or life insurance, and when you apply for a job with a salary of S20.000 per year or more. CAS ANYONE GET Ml REPORT? No Other than you. only those with a legitimate business need may receive a copy WHAT IF I THINK A CEA HAS VIOLA TED MY LEGAL RIGHTS? You may wiah to seek the advice ofanWtornev In some circumstances but not always, CRA which has niiMAiMiCMiiRipsiiMAci aual pay your attorney't fee If you be*elf'bir*' for 2Lw??^CR!i&V5ISS( Act lithe Fctcta,' TradeC ommiuKw White toy c??km WpiHUM you in pn^eiiejhipy?Mjhey gladly accept with CRA'e at ortoto help to enforce the law. You can tend mforntaboo to then at foe Federal Trade Commianoo, Wafomgton. DC 203*0 Thla arttefolapre tided aaapuhlh service hy Luaehee River Legal Service*. POSIITION VACANCY Vacancy Business Instructor Educational Requirements. Minimum academic qualifications. MBA with a demonstrated ability in microcomputer applications and networked systems. MBA must be from a regionally accredited institution. Preference will he (liven to candidates having eighteen graduate hours in an area needed by the 0 ollege or the ability and willingness to attain those credentials. Teaching experience in a community college setting is desired. Must be able to work with persons having a tri-rauai background Job Requirements and Duties: Responsible for. Teaching classes as assigned, day and evening. Academic advising and counseling. Participating on committees as required. Other duties as required. Naiarv. C ommensurate with education and experience as related to the salary schedule tor Robeson Community College Application; Application form (resume may be included, but does not take the place of application). official transcripts of all post secondary education, three < 31 letters of reference, andanv other supporting documentation must be received no later than 3.00 p.m.. July 8. 1994. Proposed Date of Employment: August 22, 1994. Contact. Personnel Officer. Robeson Community College, P.O Box 1420 Lumberton. NC 28359 <9I9? 738-7101 AN EQUAL OPPORTUNITY EMPLOYER POSITION VACANCY Vacaacv. Psychology Instructor LUacalioaal Requirements. Minimum academic qualifications. Masters in Psychology from a regionally accredited institution. Preference will be given to candidates naviitg oigntcen graduate nours in anottter academic area needed he the colleue or the ability and willingness to attain thoM. credentials. Teaching experience in a community college ?cttmg is desired. Must be able to work with persons lu\ ing a tn-racial background. Jeb Raqnls snsaatsaad Ptsttea: Responsible for Teaching classes as assigned, day and evening. College transfer, technical, and developmental classes. Academic advising and counseling. Participating on committees as required, other duties as required. Salary: C ommensurate with education and experience as related to the salary schedule for Robeson Community College Application: Application tormt resume may be included, but does not take the place of application) official transcripts of all post secondary education, three (31 letters of reference, and any other supporting documentation must be received no later thaa 3:00 p.m .. July 8.1094 Prepared data ef Employment: August 22.1994 Cantact. Personnel Officer, Robeson Community t ollege. P.O. Box 1420 Lumberton. NC 28339 (919) 738-7101 AN EQUAL OPPORTUNITY EMPLOYER r ^ PSU Summer Youth Program and Summer Session Office to Participate in Summer Food Service Program The Summer * uuth Program sponsored by the Continuing Education and Summer Session Office at Pembroke Slate University Mill participate in the North Carolina Department of Public Instruction Summer Food Service Program for Children, along with its regular activities. The Food Program is sponsored by the North Carolina State Board of Education, Department of Public instruction, and provides nutritional meals for children through age 18 or younger who are determined to be eligible All students will be served the same meals without regard to race, coloi. national origin, sex. age religion or handicap. Students who are members of food stamp households o< \FD< assistance units are automatically eligible to receive free meal benefits The Summer Food Service Program tor the Summer Youth Program participants will begin June 12th and end July 21. I*^ For further mformaiutn, please contact Or. Sylvester H. Hitoten, Director ofContimuimg Education aud Summer Sessiou at v 10- SJ2-6J6' Sovereign Tuscaroras Speak Out All Ike splinter groups of the 7 uecaroras came together at a Pow Wo* ua the week end of Ma. 20.21 and :2ml. IW4. calling themselves the TMacaroni Nation loafcdemv Not True' The> sa> that all the I uecaroras ot North ( arulina have come togethet under the umbrella as one known a? the contcdenk W True1 There was a confederal. ?rv nig to tormed but it fell through fheonlv way that a unity can be formed is b> everyone being of one mind ituough the Great Spirit The reasons wh\ thi> wan not accomplished is because ? Thev did not want to go b> the Gteat Law of Pence which is the Sovereign Government of the Six Nations 2 Thev did not want to go b> the (Ian system aireadv in existence, but wanted to form there ow n separate tor each splinter group, duplicating clan mothers and chiefs that have aireadv been sanctioned in the state ol North Carolina by the Six Nations * (he Sovereign Tuscaroras of North Carolina are self help and have no dealings with State funded programs or any money coming from the state The splinter groups alreadv have state funded programs and want mote Hie programs mat rhev alreadv have such as. the iribaJ AIDS program, and Hope House are state funded and not Indian and Indian only programs and the Sovereign Tuscaroras want n? dealings with the state The Sovereign Tuscarora Nation would like to know who under the Six Nations Coutederao has given ilk splinter groups the right to genov ide against the contederaw am n sa> thai their programs have been sanctioned under the confederal ? The Sovereign Nation s lake all these issues within rhe Longhouse The Splinter groups have never come to the Looghouse to iron oui am problems, to find out it the ? could do anvthuig using the confederal. name The Longhouse represents the Six Nations 1'ontederaii which includes Tuscarora Seneca. Oneida. Onondaga, t ayuga. Mohawk On the same weekend thai the spliiHei gr? >ups were hav ing tlteir Cow Wow.ihe Sovereign 1 uscarora Nation o( North atoltna was ^elebraimg their annual sirawberr (lianksgmng otithen sovereign temtor. Members ot the ma Nations came down and were represented and preached the Gawno i.\ Nations to be a pan ot the straw hern Thanksgiving As she entered into Maxton from her trip down she was fronted bv a sign that read Tuscarora Pow Wow." Her words were Did We Drive lit I 2 hours 10 come to a Pow Wow so slie stopped and called the number that u as til v en to her and was put back ? >n the ."sovereign road to the Sovereign Tuscarora Temtorv Even, vear w hen the .Strawberries come otTall the Six Nations .eiebraie rhe strawberrv Thanksgiving Everything went fine If the ruscarota> havt suffered .eniuries age n hold on to the sovereign w av ot tlie culture and the Lough*-use religion and lought hard to keep ?! W> are not easilv pushed ovei h. splmtei groups Sou know who ivt ate lakmi! to. Lecil Hunt. Leon Lock tear Man Sanderson. Doiinie Esiei t manual. Real ha Lock tear Edgar Brvant. Robert Lockleai. and an\ other splinters . mniiikf irum all di fie rem sides at us Hie Nation wants to know one thing horn tlte O* I -? point ot view Who arevou "* Where do \uu think vou are going' This article is sanctioned bv the Longhouse -Ian mothers and clan .hiefs at ihe Eastern Carolina sovereign 1 uscarora Nation Mike Dhmm Pembroke Carolina ladiaa Voice is published every Thursday by First American Publications 304 Normal St. - College Plaza Post Office Box I07S Pembroke. "North Carolina 28372 Phone (919) S2I-2826 Fax (919) 521-1975 Connee Brayboy. Editor Helen Locklear, Office Manager Subscripcions One year in NC. $20.00 Out of state, $25.00 Second Class Postage Paid at Pembroke. NC \ 1 ? Sometimes you need to lend more j than .just a hand to your neighbors." Some of the things that make life easier can seem a little out of teach at times Like sending a child off to college. Consolidating bills Or buying a new car. That's why Wachovia works with each customer on an individual basis. With fixed or variable rate loans Automatic payments from your Wachovia checking account. And even holiday coupons that let you skip a payment or two whenever you want. We can help you find the loan that's best for you. So if you'd like a little help from one of your neighbors, stop by any Wachovia branch and talk to a Personal Banker** Wachovia Personal Banking 'i s 3 welcome change ipCHOVTA MnRK ? ? 521-2826 to Subscribe