A credit reporting agency in Olean is a company that collects information from various sources and provides consumer credit information on individual consumers for a variety of uses. They provide information on individual's borrowing and bill paying habits. This helps lenders assess credit worthiness, the ability to pay back a loan, and can affect the interest rate and other terms of a loan. They collect and collate personal information, financial data and alternative data on individuals from a variety of sources called data furnishers who are typically creditors, lenders, utilities, and debt collection agencies that a consumer has had a relationship or experience with. Data furnishers report their payment experience with the consumer to these reporting agencies. The data provided by the furnishers as well as collected by these agencies are then aggregated into the agency's data repository or files.

Water, Water Everywhere … Part II

By:  Lee Ann Rush                                                     The topic is water; specifically, its availability to the public in light of Nestle CEO Peter Brabeck’s recent megalomaniacal assertion that people should only have access to water if they pay for it.  In a world where water shortages are reason for concern as demand begins to exceed supply, Brabeck’s plan..