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Pension law changes rules for credit counseling (Bankrate.com) - Good question. Well, there were several unrelated provisions attached to the bill that became law. In this case they are good ones that toughen standards for credit counseling organizations.. Behind credit cards' allure (San Jose Mercury News) - As both a professional consumer counselor and the mother of a 19-year-old son who is about to go off to college, Connie Kilmark has no qualms about what to do with the three or so credit-card applications the young man receives in the mail each week.. Buyer Beware: Save $100 Per Month (WYFF via Yahoo! News) - If your paycheck is stretched thin and you have bills coming out of your ears, the thought of saving money may seem impossible.. Pension law also changes credit counseling (Bankrate.com via Yahoo! Finance) - Tucked into the new law were 5 consumer-friendly provisions that toughen the standards for counselors, says Steve Bucci, the Debt Adviser.. Tide of bankruptcy filings on rise again (Kansas City Star) - Tough congressional reforms aimed last year at halting the record rise in consumer bankruptcies at first appeared to be working. Filings plunged in the first half of 2006 to the lowest levels in 20 years.. Freshmen, put down those credit cards (Orange County Register) - Some college students don't realize what they're really doing when they use plastic.. 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.. School board acts on appeals (Choteau Acantha) - The Choteau school board during a special meeting Aug. 30 voted unanimously to allow two nonresident students to attend Choteau Public Schools and voted 4-3 to deny entry to a third such student..