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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.. Following a budget can set you free (Boston Globe) - Most people can tell you pretty much to the penny how much their mortgage or rent is every month. They can tell you how much they pay each month for their car loan.. Mother walks a fine line (Kansas City Star) - Teresa Bates knows she probably is paying too much for the fuel-thirsty, five-year-old Ford Explorer she bought this summer at a used-car lot that caters to the credit-challenged.. 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?. O.C. business events (Orange County Register) - •SeniorLoanLink.com is sponsoring a free seminar, "Straight Talk About Reverse Mortgages," 10 to 11:30 a.m. Monday, 31 Journey, Aliso Viejo. To attend, call 949-860-3449.. 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.. Community calendar (Arizona Daily Star) - today. 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.. 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. . Buyer Beware: Debt Collectors And Your Rights (WYFF News 4) - This week, three private debt collection agencies will begin to collect back taxes on behalf of the Internal Revenue Service..