Floyd Newberry Jr Donna F Lang Gene Warren Dwight L Fulton Virginia A O’Neil Anne L Durbin-Thomas Marietta Dunn Charles L Latchford Broncos win ‘Battle of 32’ Lady Broncos claim win over Bethel-Tate Jays top Warriors, fall to Mustangs Lady Warriors claim top spot in SHAC with win over Lynchburg-Clay Broncos buck the Lions, 54-51 James N DeHaas Questions still linger in Stuart explosion New direction for Brittany Stykes case New public safety director now on duty in Brown Co. Fayetteville Mayor anticipates a good year for the village Chamber of Commerce announces awardees Robert Bechdolt Carl E Lindsey Audrey F Maher LeJeune Howser Tammy L Connor Henry C Mayhall Jr Chad Spilker Frank W Kemmeter Jr Wanda J Howard Dorothy Huff Colon C Malott Eastern varsity teams come out on top to capture Brown County Holiday Classic crowns WBHS Army JROTC hosts rifle shooting competition Bronco varsity wrestling team unbeaten at 8-0 Blue Jays finish 1-1 in Ripley Pepsi Classic Mona G Van Vooren Hiram Beardsworth Avery W McCleese Ethel E Long Children learn safety from ‘Officer Phil’ Microchips can help locate lost pets Local GOP plans trip to Washington Three sentenced in common pleas Estel Earhart Roy Stewart Tenacious ‘D’ leads Lady Jays to victory over Blanchester on day one of Ripley Pepsi Classic Fayetteville’s Thompson, Jester earn SWOFCA All-City honors Jays fall to Blanchester on first day of Pepsi Classic Ticket details announced for OHSAA basketball and wrestling state tournaments Jerri K McKenzie Randy D Vaughn Georgetown JR/SR high to have new library Georgetown saw many improvements in 2016 Three sentenced in common pleas court Esther O Brown G-Men go on scoring rampage for 77-41 win over Cardinals Warriors climb to 4-2 with wins over West Union, Lynchburg Rockets top Whiteoak for first win Shirley M Bray Carter Lumber closes in G’town Wenstrup looks forward to 2017 Seven indicted by county grand jury John Ruthven holds pre-Christmas Open House New pet boarding facility now open in Georgetown Denver W Emmons Carl W Liebig Mary L McKinley Blake C Roush Louis A Koewler William D Cornetet Western Brown dedicates Perry Ogden Court Lady Warrior win streak hits 5 Lady Rockets wrap up tough week on the hardwood Barons rally for win over Broncos Georgetown to hire two paid Firefighter/EMT’s Noble receives statewide law enforcement award County helps family in need after house fire Flashing signs banned in G’town historic district ‘Christmas Extravaganza’ at Gaslight Thelma L Ernst Roy L Bruce Ken Leimberger Cathye J Bunthoff Lending a holiday helping hand G’Town Christmas Parade enjoyed by spectators Mt. Orab Auto Mall collects over 1,100 canned goods for local families “Celebration of Lights” held at fairgrounds Thirteen indicted by grand jury Lady Warriors hit the hardwood with high expectations Warriors reload after graduating four starters Six seniors hit the hardwood for Rockets Lady Rockets packed with size, talent Lady G-Men to rely heavily on young talent G-Men seek improvement after last year’s three-win season Skilled crew on the return for the Blue Jays Broncos begin quest for SBAAC American Div. crown Lady Broncos working hard toward SBAAC American Div. title after finishing as league runner-up last season Experienced crew of Lady Jays return to the hardwood Stephen C Foster Mary J Fitzgerald Tyler Hesler

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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2016 News Democrat