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The benefits of having strong credit

NNPA NEWSWIRE — You can manage your credit to help you with future purchases — such as a home or vehicle — in a number of ways. Ultimately, strong credit can help you reach your goals by qualifying you for loans, contracts, discounts, and access to even more credit options.

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Once you have established good credit, work to keep it that way so you can continue to enjoy the opportunities that come with good credit. (Photo: iStockphoto / NNPA)

Learn how having healthy credit can help you access new opportunities, plus some tips on how to manage it.

Your credit score is one of the most important measures of financial responsibility. It’s a big part of what lenders and vendors look at when considering you for a loan or line of credit. It also can impact your ability to rent an apartment, sign a phone contract, or even get a job. Once you have established good credit, work to keep it that way so you can continue to enjoy the opportunities that come with good credit.

The financial benefits of good credit

Strong credit can help you get:

  • Easier approvals: Mortgage lenders, landlords, and auto finance companies will check your credit to see how reliable you are when it comes to paying bills on time and managing debt. Some employers will run a credit check if the job requires you to access money or sensitive data.
  • Lower interest rates: A high credit score not only makes it easier to be approved for services but it may also mean you may qualify for a lower interest rate on future credit accounts. You also likely won’t need a co-signer to get approved.
  • Savings on insurance: According to Certified Credit Counselor Netiva Heard, founder of MNH Financial Services, LLC, having a good credit score can help you save money on insurance rates, though the impact of your credit on this may depend on the state you live in. “Insurance companies have found that those with higher credit scores file fewer claims,” says Heard. As a result, some adjust their rates so people with good credit tend to pay lower premiums.
  • Additional savings: Having good credit may even give you the ability to purchase a service without putting down a costly deposit beforehand. To learn more about the perks of having good credit, visit the Hands on Banking® website.

How to manage your credit

You can manage your credit to help you with future purchases — such as a home or vehicle — in a number of ways:

  • Use credit cards smartly: Sometimes simply having a credit card can lead to spending more than you intended, leaving you unable to afford the balance. Failing to pay your credit card balance on time every month can rack up interest and hurt your credit score, so don’t spend more than you’ll be able to pay back. If you’re considering using a credit card to build your credit, take a look at the Hands on Banking website for tips on using one responsibly.
  • Pay down other debt: Your credit card balance is not the only thing that can affect your credit score. Student loans and other forms of debt can lower your credit score if not managed correctly. Keep track of payments, and try to pay a little more than the minimum balance each month. Keeping your debt low can help you maintain and even improve your credit over time.
  • Ask for help when you need it: If making payments on time for your credit card or a loan payment becomes too difficult, don’t be afraid to speak with the lender to negotiate a payment plan that works for you. It’s better to get ahead of any potential problems before you fall behind on payments.

Regularly review your credit

Beyond credit growth, review your credit reports annually to make sure nothing fraudulent or negative has been reported. Every 12 months, you can access your report for free from each of the three largest credit bureaus in the United States at annualcreditreport.com. “Be sure to check the inquiry and personal data sections where signs of identity theft can be spotted right away,” says Heard.

Ultimately, strong credit can help you reach your goals by qualifying you for loans, contracts, discounts, and access to even more credit options. Discipline and the ability to pay your credit-related debts off every month comes first, however.

© 2019 Wells Fargo Bank, N.A All rights reserved.

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Jovita Moore Mural Still Has Not Been Repainted in Grant Park

ATLANTA VOICE — A mural depicting late journalist Jovita Moore, painted on the exterior wall of a building now occupied by Bellwood Coffee in Grant Park, was painted over in April. Moore passed away in 2021 after decades of working in Atlanta television news. Bellwood Coffee owners stated in May they were unaware of Moore’s identity or significance to the community before painting over the mural.
The post Jovita Moore Mural Still Has Not Been Repainted in Grant Park appeared first on BlackPressUSA.

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Jovita Moore Mural Still Has Not Been Repainted in Grant Park

At the corner of Boulevard, SE. and Rosalia St., SE., directly across the street from an abandoned home and a Methodist Church, is Bellwood Coffee. One of hundreds of coffee shops in Atlanta, this place of business would not be worth a solitary discussion if not for the way its exterior walls are currently painted. There was once a mural depicting the late Jovita Moore, a beloved journalist who worked in Atlanta for decades. Moore, who passed away in 2021, mentored many of the people you see on television newscasts today. Though her legacy will never be forgotten, it was the mural of her image that was erased.

In April, members of the Grant Park community voiced their disgust at the mural, which graced a side wall of the building now occupied by Bellwood Coffee’s Grant Park location, before it was painted over. In its place are the words “Bellwood Coffee; Cocktails, Biscuits, Dry Goods, Air Conditioning. *Heat Too”. In May, the business owners responded to the community pushback on social media by acknowledging they did not know who Moore was before painting over her image. And later admitted that they did not attempt to find out what she meant to the community.

On May 21, the Bellwood Coffee Instagram account had a post about being “in close contact with Jovita’s family and are actively working on next steps in this process.” Two months later, the mural has not been replaced, repainted, or repositioned on the property. Nothing has been done. Black history is often erased, most recently by the current Presidential administration, but oftentimes on a smaller, quieter scale. The mural was originally painted by muralist Tommy Bronx, who had been in contact with the business owners about repainting it. As of July 6, Tommy Bronx had responded to a direct message via his Instagram account from The Atlanta Voice about any updates on his plans to repaint the mural.

“We’re currently working on it. You should see some movement in the weeks to come,” he wrote in a response.

On Monday, July 6, the business had several patrons inside and was running smoothly with three employees manning the counter. The Atlanta Voice dropped by Bellwood Coffee to get a look at the exterior wall where the mural once stood as a memorial to a journalist and mother who lost her life to brain cancer at the young age of 54. Moore’s image added some color to the block. The grey wall in its place does not.

A direct message was sent to the Bellwood Coffee Instagram account, and there hasn’t been a response as of 7 p.m. on Monday.

The post Jovita Moore Mural Still Has Not Been Repainted in Grant Park appeared first on The Atlanta Voice.

Based on reporting by Atlanta Voice.



The post Jovita Moore Mural Still Has Not Been Repainted in Grant Park appeared first on BlackPressUSA.

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‘Proud to Hang Her from a Tree’: Man Arrested for Threatening Black Senator

ATLANTA DAILY WORLD — A New York man faces felony hate crime charges for allegedly posting a threat against New York State Senator Lea Webb. James A. Crosby, 49, of Binghamton, was arrested by New York State Police after investigators determined he posted a threatening comment on a social media news post about a Juneteenth celebration.
The post ‘Proud to Hang Her from a Tree’: Man Arrested for Threatening Black Senator appeared first on BlackPressUSA.

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A New York man is facing felony hate crime charges after allegedly posting that he’d be “proud to hang” New York State Senator Lea Webb from a tree in response to a news story about a Juneteenth celebration.

James A. Crosby, 49, of Binghamton, was arrested June 23 by New York State Police after investigators determined he posted a threatening comment on a WBNG 12 News Facebook post. “I’d be proud to hang her from a tree,” Crosby wrote, according to WBNG.

Crosby was charged with making a terroristic threat as a hate crime, a class C felony, per the New York State Police. He is currently being held at Broome County Jail.

During the subsequent investigation, state police found Crosby was in illegal possession of firearms despite being prohibited from owning them due to a prior felony conviction. Investigators recovered a rifle, a large-capacity ammunition feeding device, and a firearm suppressor — all prohibited under New York state law, per the NYSP.

Crosby was charged with four additional counts of criminal possession of a weapon in the third degree, all class D felonies.

Webb, who represents New York’s 52nd Senate District, had been a featured speaker at a Juneteenth flag-raising ceremony at Binghamton City Hall, where the celebration included prayers and the singing of the Black national anthem.

Police said Crosby’s comment was posted in response to a WBNG news story covering the event.

The day before his arrest, Crosby posted a Facebook apology claiming the comment “was not intended to be racial in any way” and was made in reference to what he described as a “criminal,” citing criticism of Webb over her use of nonprofit legal aid in a foreclosure case — a matter state watchdogs said created an appearance of a conflict of interest, per the Ithaca Voice. He was arrested the following day.

Webb issued a public statement June 25 condemning the threat.

“It was extremely disappointing and hurtful to see the now-deleted threat and attacks on my life in response to a story about Juneteenth, a national holiday that recognizes the ending of slavery in America,” she said. “Feedback and thoughts on policy are one thing, but to make a public call for lethal violence is absolutely unacceptable and dangerous. We must recognize our shared humanity and reject violence in all forms.”

She thanked Gov. Kathy Hochul, Senate Majority Leader Andrea Stewart-Cousins, and law enforcement for their “swift response.”

Following Crosby’s comments, social media users called for a boycott of his contracting business, Crosby Home Improvements.

The Binghamton City Democratic Committee also called for an investigation into the incident before his arrest.

The Black Information Network is your source for Black News! Get the latest news 24/7 on The Black Information Network. Listen now on the iHeartRadio app or click HEREto tune in live.

The post ‘Proud to hang her from a tree’: Man arrested for threatening Black Senator appeared first on Atlanta Daily World.

Based on reporting by Atlanta Daily World.

The post ‘Proud to Hang Her from a Tree’: Man Arrested for Threatening Black Senator appeared first on BlackPressUSA.

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CARICOM: Strengthen Integration for Future Generations

NEW YORK CARIB NEWS — Outgoing CARICOM Chairman Terrance Drew called on regional leaders to build a stronger and more effective Caribbean Community that benefits future generations. Speaking at the 51st Regular Meeting, Drew urged modernization of governance structures and improved implementation of Community decisions to make CARICOM safer and more prosperous.
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Outgoing Caribbean Community (CARICOM) Chairman and Prime Minister of Saint Kitts and Nevis, Terrance Drew, has called on regional leaders to build a stronger, more effective CARICOM that delivers greater benefits for future generations.

Speaking Sunday at the opening of the 51st Regular Meeting of the Conference of Heads of Government in Saint Lucia, Dr. Terrance Drew said the region must modernize its governance structures, improve the implementation of Community decisions, and ensure CARICOM becomes safer, more prosperous, and more relevant to the lives of its citizens.

The meeting, being held under the theme “CARICOM: From Resilience to Renewal in a Changing World,” coincides with the Community’s 53rd anniversary. During the ceremony, Dr. Drew formally handed over the rotating CARICOM chairmanship to Saint Lucia’s Prime Minister, Philip J. Pierre.

Reflecting on his six-month tenure as chairman, Drew praised fellow regional leaders for maintaining their commitment to democracy, good governance, unity, and the rule of law despite mounting global economic and geopolitical challenges.

“Throughout these challenges, CARICOM chose engagement over isolation. Together, we reaffirmed our commitment to a fair and rules-based international trading system and ensured that the interests of small developing states continued to be heard.”

He highlighted progress made in strengthening the CARICOM Single Market and Economy, including deeper trade cooperation, expanded labour mobility, and efforts to lay the foundation for long-term economic growth. Drew also noted the Community’s growing partnerships beyond the Caribbean, particularly with the African Union, while stressing that every international partnership should advance the interests of all parties involved.

The outgoing chairman also expressed appreciation to Dr. Carla Barnett and the CARICOM Secretariat for their professionalism and unwavering support during his tenure.

“Whenever I called, you answered. Whenever support was required, you and your team responded with diligence, competence, and excellence.”

Dr. Drew urged the Secretariat to continue preserving its impartiality while faithfully implementing decisions made by Heads of Government, saying that balance has helped strengthen the regional integration movement.

The conference continues in Saint Lucia with regional leaders expected to deliberate on key issues including regional security, climate resilience, trade, economic integration, food security, Haiti, reparations, and strengthening the CSME.

Based on reporting by New York Carib News.



The post CARICOM: Strengthen Integration for Future Generations appeared first on BlackPressUSA.

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