Inmate housing options narrow Opiate addiction strains Municipal Court Lillian E Cowdrey Catherine A Houk Warriors win Jim Neu XC Invite Week 2 football roundup Broncos unbeaten at 4-0 Lady Broncos compete in Bob Schul XC Invite Ronnie L Day Nettie F Lightner Wallace sentenced to life in prison Court filing links Anderson and Sawyers Man killed in Fatal Crash on US 52 Henry E Fields Anleah W Stamper Maxine M Garrett U.S. 68 reopens Drought ends for Lady Rockets G-Men rise to 3-1 with back-to-back victories Rockets cruise to 4-0 win over Jays Lady Broncos start off SBAAC American Division play with 3-2 win over Goshen Week one football roundup Fair board president Orville Whalen passes away Wallace guilty, faces life in prison Zoning ordinance approved for Village of Sardinia Felicity man killed in boat crash Evelyn E Smith Peggy A Wiederhold Thomas P Neary Warriors kick off SHAC play Lady Broncos stand at 2-1 Late Devil goals lead to Lady Warrior loss David R Carrington Sr Crum arraigned on murder charge Sawyers faces new charge Aberdeen’s fiscal officer resigns 12th Annual Golf Tournament by Veterans Home Aug. 26 Betty G Schatzman Robert L McAfee Paul V Tolle Herbert D Smith Helen R Little Eugene M Press Lady Broncos out to defend league title SHAC holds volleyball preview Lady Warriors packed with experience, talent for 2017 fall soccer campaign Georgetown’s Sininger off to excellent start for 2017 golf season New response team for overdoses Drugged driving becoming a bigger problem Danny F Dickson Eva J Smith Michael R Stewart Sr Charles McRoberts III Marsha B Thigpen Michael L Chinn William A Coyne Jr Woman found dead in Ripley A girl’s life on the gridiron Rockets face G-Men in preseason scrimmage 13th annual Bronco 5K Run and Fitness Walk draws a crowd William C Latham Four charged in overdose death Underage felonies strain county system Fayetteville looks forward to 2018 celebration Russellville council discusses underground tanks in village Marilyn A Wren Larry E Carter Virginia L McQuitty Practices get underway for fall sports Jays soon to begin quest for SHAC title Western Brown to hold Meet the Teams Night and OHSAA parent meeting Aug. 8 Norville F Hardyman Carol J Tracy James Witt Hundreds of Narcan doses used in 2016 Heavy weekend rain causes flooding and damaged roads Child Focus hosts Chamber of Commerce meeting Mary F McElroy Broncos out to defend SBAAC American Division soccer title Bronco 5K to take place Aug. 5 EHS volleyball team ready for new season Michael C Cooper Raymond Mays Harry E Smittle Jr Mary A Flaugher Western Brown’s Leto excels in Australia Rockets ready for 1st season in SBAAC Paddling, hiking activities available at Ohio State Parks SB Warriors get set to hit gridiron for 2nd year of varsity football Scotty W Johnson Glenna V Moertle Ricky L Hoffer Ruth E Ward David A Watson Janet L Dotson Vilvie S King Steven C Utter Cropper joins Fallis at Bethel-Tate Local kids find success in world of martial arts 13th annual Bronco 5K Run and Fitness Walk set for Aug. 5

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