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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.. The Elder Law Forum (Plain Talk) - Once upon a time in the United States "loan sharking" was considered a social disease. Now, it is "public policy," formulated, embraced and protected by a Congress that has sold its soul to the money lenders.. NextStudent's Student Loan Consolidation Program Offers Great Rates, Benefits (Market Wire via Yahoo! Finance) - Many college students rushed to consolidate their student loans prior to July 1 when federal interest rates sharply increased. According to Phoenix-based NextStudent, there is hope for those student borrowers who missed the deadline, as rates as low as 4.5 percent are available when accompanied by aggressive benefits and incentives.. Don't use future money for past debt (Bankrate.com via Yahoo! Finance) - Keep your paws off the retirement account, says the Debt Adviser. It won't solve the fundamental problem of too much spending.. Don't use future money for past debt (Bankrate.com) - Dear Debt Adviser, I was laid off from my job a year and a half ago. I got another job but it doesn't pay as much. My husband and I are not able to keep up with our debt now. We have talked with a counselor but unless my husband finds a part-time job, there is no help.. Online Gaming: Korea's Gotta Have It (BusinessWeek) - The number of addicts is growing. Will the problem spread to other countries? . 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.. TWO BAY AREA WHISTLE-STOPS (San Jose Mercury News) - Gov. Arnold Schwarzenegger swept into Palo Alto on Tuesday to sign a bill that adds protections for vulnerable seniors from scam artists offering reverse mortgages, in which homeowners borrow against their equity to receive a line of credit or monthly payments.. 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. . 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..