Vern W Kidd Jr Brown County Election Results – 2017 Michael D Hines Raymond W Napier Leslie E Boyle Gary L Barber RULH NHS welcomes new inductees K-9 Units and handlers visit RULH High School EMS members honored for service Road work on Ripley streets to begin Russell K Wolfer SHAC recognizes volleyball all-stars SHAC cross country all-stars take home awards Eastern girls finish runner-up in SHAC golf standings Week 10 football roundup Kathleen J Bright Sister Marjean Clement Veterans Service Office Moves RULH MS students hold first Science Club meeting Bald Eagles spotted 2017 Celebration of Lights being planned Carlos L Beck Georgetown XC teams qualify for regional championship meet Warriors advance to Div. II Regional Meet Lady Rockets reach end to successful volleyball season Week nine football roundup Lady Warriors regional bound Amy J Caudill Bertha Lindsey Bobby S Conley Ripley Council considers insurance changes, will be making repairs on Rankin Hill Road PRC Walk for Life raises $4,600 Mary E Hahn Gary R Cornette Week 8 football roundup Notable soccer season reaches end for G-Men Lady Broncos are SBAAC American Division XC champs SHAC XC title goes to Lady Warriors Arthur Smith Eugene M Jennings Jr Billy R Kilgore Sr Carol D Roberts Thelma L Gray Ripley FFA off to a busy start this year Ripley River Village Christmas adds new events Man found dead in ditch Rev Alvin B Woodruff Jackson L Russell Lady Broncos bring home 11th SBAAC American Division title in 12 years Lady Rockets wrap up regular season Warriors rally for win Broncos make it two in a row Helen L Whalen Veterans saluted at the Brown County Fair Prints available of Eagle Creek Bridge, by local artist Tommy J Stamper Sue Day Broncos move closer to SBAAC American Division title Lady G-Men working hard, showing improvement Sports complex soon to open in Mt. Orab Week 6 football roundup H Ray Warnock Ripley McDonalds robbed overnight Familiar pizzeria in Ripley has new owners Linda Taylor Rene Sizemore-Dahlheimer Eugene Snider Eric Workman Gregory Terry Edith M Moore Eileen Womacks Michael C Jennings Janice K Brunner Cheer squads compete at ‘Little State Fair’ Truck, tractor pulls draw a crowd at Brown County Fair Week 5 football roundup Lady Broncos rise to 11-6 with win over Batavia Broncos buck Clinton-Massie, Goshen James H Boyd Warren A Stanley Jane R Ernst Darrell F Anderson James W Ball Jr June R Paul Robert Kattine Tony W Ratliff Carroll G Boothby Ripley Council addresses roof replacement and paving projects Beasley Farm to remain agricultural forever Janet R Whitt Jacqualine Attinger L Mae Spencer Battle between Broncos, G-Men ends in tie SB Warriors rout Peebles, 60-0 Lady Jays celebrate first victory Lady Rockets on a roll Rockets cruise to 4-0 Broncos celebrate homecoming Sininger wraps up another outstanding regular season of high school golf Joan E Stevens

Fixing errors on Ohioans’ credit reports

Too many Ohioans are still feeling the effects of the 2008 financial crisis — particularly on their credit scores.

More than 50 million consumers saw their credit scores plunge more than 20 points during the worst days of the crisis, from 2008 to 2009. Many still haven’t fully recovered.

To make matters worse, one-in-five consumers has an error on his or her credit report. These errors can have serious consequences. Today credit scores are being used more than ever, and often for non-credit purposes, like employment and rental housing. Inaccurate scores can lead to Ohioans being given incorrect interest rates or no credit at all.

We need to do more to build on-ramps to the middle class for hardworking Ohioans, and our country took one important step in that direction last week.

We know that these issues are frustrating too many Ohioans. The Consumer Financial Protection Bureau (CFPB) was created after the crisis to be a voice for consumers in our financial system, and together, debt collection and credit reporting made up the majority of the complaints the CFPB received from consumers over the past year.

Since the CFPB opened its doors, 20,000 Ohio consumers have filed complaints with the Bureau — and roughly 8,000 of those were about debt collection and credit reporting.

We need to ensure that credit scores are accurate, and that errors and old debt aren’t compounding the problem.

That’s why recently I introduced the Consumer Reporting Fairness Act. It would require creditors to ensure that debts discharged in bankruptcy show a zero balance on the consumer’s credit report in an accurate and timely manner.

This will ensure that debts prior to bankruptcy aren’t, in effect, double-counted and don’t continue to haunt Ohioans looking for jobs, apartments, and home loans. We also know that debt collectors are too often going after debt that is not owed, often in abusive ways. This bill will put a stop to that harassment.

Foreclosures already wreaked havoc on consumers’ credit scores during the crisis. We need to make it easier for Americans to get back on their feet with common sense reforms like this.

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Sherrod Brown

Ohio Senator

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