A spokesman for Iowa’s Attorney General says getting errors removed from your credit report is going to get easier under an agreement reached with the top three credit reporting agencies. Spokesman Geoff Greenwood says 31 states are a part of the agreement to improve the accuracy of the reports. “For years we’ve been getting complaints about all of the credit reporting agencies — Experian, Equifax and Trans Union — so for the last couple of years, attorneys general have tried to address this problem,” Greenwood says.

Credit reports assign credit scores based on a variety of factors, including how well you pay your bills, how much money you’ve borrowed. Under this agreement the credit reporting agencies must implement an escalated process for handling complicated disputes, such as those involving identity theft, fraud, or cases where one consumer’s information is mixed with anothers’.

A credit report is really important, in some respects it’s a life story of your finances,” Greenwood says. “And others read those reports when they are thinking about extending you credit for a car, or a house, or maybe even hiring you.” Greenwood says this agreement also addresses one particular area of concern — the payment of medical bills. “In some cases consumers were still working things our with their insurance company, didn’t get enough time and it ends up being a blemish on their credit report. This institute some changes that we think will reduce those types of reports on people’s credit reports,” Greenwood says.

The credit reporting agencies now cannot place medical debt on a credit report until 180 days after the account is reported to the credit reporting agency to gives consumers time to work out issues with their insurance companies. Greenwood says you can get a free credit report from each of the three agencies by going to the website www.annualcreditreport.com. Then you can act to clear up any wrong information.

“If you see an error, contact the credit reporting agency and let them know about the error,” Greenwood says. “As part of this agreement, they are going to make it easier for consumers.” The agreement is sending six million dollars to the states, with 106-thousand dollars coming to Iowa for Iowa’s consumer education and litigation fund. Greenwood says credit reporting agencies will implement the changes in three phases to allow them to update their I-T systems and procedures with data furnishers. All changes must be completed by three years and 90 days following the settlement’s effective date.

(Radio Iowa)

Iowa homeowners are warned to be wary of road construction crews that pull up unannounced and offer to spread a new asphalt driveway for you on the cheap. Jim Hegarty, with the Better Business Bureau, says folks in the region are already reporting cases of this familiar scam and he says, don’t be fooled.

“They’ve got trucks that look sort of legitimate,” Hegarty says. “They’ll claim they have leftover asphalt from a state job and they need to have cash and they’ll get it done for you before day’s end. Sometimes, they’ll actually start tearing out the driveway. They’ll take the cash, or if you give them a check before banking hours close, they’ll hit the local bank, cash the check and you’ll never see them again.” It’s always a risk when someone comes to your door offering a deal, Hegarty says, and if you’re not careful, you could get taken by one of these fast-talking crooks.

“These are travelers, sort of like gypsies, and they have encampments all over the South,” he says. “Whenever the weather breaks, they start to move up towards our area.” The best bet, Hegarty says, is to just say “no” and to contact a reputable, local company if your driveway needs repairs.

(Radio Iowa)

A new report shows 22-percent of Iowa’s rural bridges are “structurally deficient.” That’s the third highest rate in the nation according to the National Transportation Research Group. The report states 4,815 of Iowa’s 21,939 rural bridges are structurally deficient. Scott Neubauer, bridge maintenance and inspection engineer with the Iowa Department of Transportation, says most of the bridges at issue carry very few vehicles.

“Over 3,800 of them have less than 50 vehicles a day and about 4,500 of them have less than 500 vehicles a day,” Neubauer says. Most of the old bridges in Iowa deemed structurally deficient have weight restrictions posted. Neubauer says many counties don’t have enough money to fix those bridges and choose to focus on the structures that carry the heavy trucks and traffic volume.

“That’s why some of these stay deficient for so long,” Neubauer says. “It’s just on such a low volume road and carries such a small amount of traffic and the traffic it is carrying, the bridge is adequate…and it’s not really a hindrance to anybody, so the county just does the bare minimum to maintain it.” Neubauer notes the term “structurally deficient” does not necessarily mean the bridge is unsafe.

“You know, just because it’s structurally deficient doesn’t mean that it can’t last in that current condition for many years,” Neubauer says. According to the report, only Pennsylvania (25%) and Rhode Island (23%) have higher rates of rural bridges that are structurally deficient. Neubauer says it’s possible many Iowa counties in the coming years will direct more money toward repairing or replacing old bridges from funds generated by this year’s increase in the state’s gas tax.

(Radio Iowa)

DES MOINES, Iowa (AP) — As lawmakers struggle to resolve the state budget, a new conflict has sprung up about how much new money to give schools in the 2016-2017 school year. The Appropriations Committee in the Republican-led House on Wednesday approved a plan that would provide about $125 million in new dollars in that year, with some of the money going to a teacher leadership program. But Democrats say the funding level is inadequate.

Republicans had previously supported spending more money, but Rep. Chuck Soderberg, a Republican from Le Mars, said they didn’t want to “overcommit and under-deliver.” The Republican-controlled House and Democratic-majority Senate are still at odds over how much new money to provide in the upcoming school year, with Democrats wanting to offer more than Republicans.

Authorities say an accident Tuesday morning in Pacific Junction was the result of a woman suffering from a medical condition. The Mills County Sheriff’s Office says Kathlein Bacon, of Pacific Junction, was traveling east on Lincoln Street at around 11:05-a.m., when her 2006 Pontiac left the road and entered a ditch before hitting an embankment. Bacon was transported by Glenwood Rescue to a hospital in Council Bluffs for treatment.

Sheriff’s officials said also, a Pacific Junction man was arrested Tuesday evening. 49-year old Brian Keith Konfrst (Con-first) was taken into custody on a warrant charging him with Violation of Probation. Konfrst was being held in the Mills County Jail on $5,000 bond.

The Cass County Board of Supervisors had a light agenda this (Wednesday) morning, and therefore a brief meeting. The Board continued discussion with regard to the bidding process for the courthouse HVAC (Heating, Ventilation and Air Conditioning) replacement project, but made no decision on the matter.  Auditor Dale Sunderman said he visited with various vendors, one of whom was trying to put together a cost estimate. Sunderman says since the cost is expected to exceed $135,000, Iowa Code requires there to be a competitive bid process.

The Board said that there are still too many questions with regard to efficiency, and about what kind of system should be installed, or for that matter, if the current room radiators should be retained or replaced. There also needs to be an inspection to make sure the pipes aren’t insulated with asbestos.

Supervisor Chuck Rieken said they have to decide if they’ll use independent room heating and cooling, a boiler or whatever, before they can issue an RFP – a Request for Proposal.) Board Chair Frank Waters said it looks like they have a way to go before any changes are made to the courthouse system.  He said it’s shaping up to be a project for next year, at this point.

And, in his report to the Board, Cass County Engineer Charles Marker said there currently is no road rock available from the local quarries, but they still have some available for the worst roads. Road crews are being kept busy in the mean time, cleaning out road ditches and taking care of mowing. He said also officials with the City of Lewis had inquired about placing a tornado warning siren within the County road right-of-way by the Lewis School on the south side of town, near where County Roads G-43 and M-56 form a triangle.

He said he sees no problem with the position of the pole and siren, but the Supervisors need to approve the request during their meeting next week. The Board also reminds Cass County residents that if they see people tearing-up the dirt roads when they are soft and muddy, to call the Sheriff’s Department with a description of the vehicle and direction of travel. Offenders will be fined if they are caught.

Police in Glenwood report two arrests this (Wednesday) morning. 53-year old Shari Baker, of Glenwood, was arrested for contributing to the delinquency of a minor. And, 23-year old Theodore Brayman, of Council Bluffs, was arrested for Theft in the 5th degree. Both subject’s bonds were set at $300.

The 8-a.m. Newscast w/KJAN News Director Ric Hanson.

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Two people have been arrested in Creston on separate harassment and assault charges. Creston Police say 52-year old James Cook was arrested at the Union County Law Enforcement Center Tuesday afternoon. Cook was charged with Harassment in the 1st Degree. He was being held in the jail on $4,000 bond.

And, 29-year old Christina Hunter, of Creston, was arrested Monday morning at the Union County LEC for Assault. She was released on a promise to appear later, in court.