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New scoring tools empower credit weaklings (Bankrate.com via Yahoo! Finance) - New forms of credit scoring use your payment record on utility bills, rental units and payday loans to assess your ability to repay loans.. Expert Advises How To Choose Reputable Credit Counselors (NBC 5 Dallas Fort Worth) - Dallas has the lowest average credit score in the country, but when you want to clean up your credit and pay off debt, whom can you trust?. New 1-year cycle begins for free credit reports (Fort Wayne Journal Gazette) - As of Friday, consumers became eligible, once again, to obtain a free copy of their credit reports. Your credit report is the official record of your personal credit history. It includes detailed, personal information, such as where you live, the credit accounts you have (mortgage loans, car loans, credit card balances and the like), and how you pay your bills.. O.C. business events (Orange County Register) - •AIG Advisor Group and Sun America Securities are sponsoring a free seminar, "Baby Boomers & Retirees – Income for Life," noon to 1:30 p.m. Saturday, 7700 Irvine Center Drive, Suite 630, Irvine. To attend, call 949-453-7660.. LOCAL BRIEFS (Asbury Park Press) - Michael Timmes has been named human resources manager at United Teletech Financial Federal Credit Union at its Tinton Falls location. As human resources manager, Timmes will be responsible for managing the human resources team and developing and implementing human resources programs that contribute to the long-term business objectives of the credit union.. Business calendar (Tennessean) - SCORE volunteer on duty , free, confidential, small-business counseling and mentoring, 10 a.m.-1 p.m., business reference area of the Downtown Public Library. 862-5837 or 736-7621.. Business: SCORE introduces walk-in couseling (The Nashua Telegraph) - NASHUA – The local office of SCORE, the national volunteer association that provides free business advice to small business and entrepreneurs, is now offering walk-in business counseling. . When Debt Mounts, Take Action to Prevent Foreclosure (Sleepy Eye Herald Dispatch) - (ARA) - If you have experienced foreclosure, you're not alone. Within the last five years alone, more than 2.9 million households in the United States have experienced foreclosure.. IN MY OPINION: Fox Sports makes Good (The Charlotte Observer) - Fox Sports reversed field and did the right thing Wednesday, promising to give Greg "Catman" Good a free truck after he was duped by an on-air prank gone wrong two weeks ago.. Business buzz (The Herald-Tribune) - Curt Eskew qualifies.