the review washburn university
“Ms. Homeland Security: Illegal Entry Dress Installation” exhibit comes to Mulvane Art Museum. Page 6 Serving Washburn University since 1897
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volume 136, Issue 19 • wednesday, March 3, 2010
How to Monitor Your Credit Score
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Lauren Eckert WASHBURN REVIEW
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“F-R-E-E that spells free, creditreport.com baby.” There is no doubt that the majority of people recognize this jingle from the popular television commercials advertising freecreditreport.com, a Web site that allows users to check their credit scores free of charge. While many recognize this advertisement, there is a significantly lower number of people who could describe what a credit score actually consists of. “I don’t think many college students are really familiar with credit scores or how to check them,” said Daphne Phillips, a sophomore at Washburn University. Phillips also said that in these students’ defense, students are just starting to think about establishing credit when they reach college age, so they may not be familiar with the idea of credit yet. According to the Federal Trade Commission, a government organization that deals with issues affecting the economic life of Americans, credit is much more than a plastic card; it is a record of a person’s financial trustworthiness. Having good credit
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gives people easier access to loans and lower interest rates. Low interest rates typically mean lower monthly payments, which makes the idea of making major purchases, such as a car or house, a little less of a financial burden. Establishing credit can be difficult starting out because having no credit history makes it difficult for lenders to know if you are a risk to repay loans or make timely payments. The FTC encourages people starting out to apply for credit cards through stores, as they are more likely to issue a credit card to people without established history. It may also be a good idea to ask someone with an established credit history to co-sign on a loan or credit card, ensuring that they will take on the payment responsibility if necessary. Some parents will work to establish credit for their children by taking out a loan or credit card with the student’s name on it, but make payments themselves to ensure the payments are timely and large enough to gain responsible credit history. “My parents gave me two credit cards to start working on establishing credit,” Phillips said. “I have them, but they pay the bill.” While it is important to maintain good credit, many people find themselves charging too much or paying less toward debt than what is advised. This can cause a credit score to tank and cause serious complications in
Students learn how to research Mabee develops classes for students on finding, evaluating information
Tesa DeForest WASHBURN REVIEW
instructors in the course. Both Bird and Canipe have past teaching experience. “Students need these skills,” said Rocci, “they have to be able to locate information. We teach discovery and evaluation. We teach the students to find balance in their research.” Rocci and Bearman are both very passionate about the impact that this program will have on the Washburn community. “We have more access to information than we have ever had,” said Bearman. “We are just overwhelmed by it. Questioning how to make sense of it and determine what’s good information and what’s bad information. That’s information literacy.” Tesa DeForest is a member of the advanced news writing class. Reach her at tesa.deforest@washburn.edu.
Photo by Tesa DeForest, Washburn Review
Research Central: Information literacy librarian Keith Rocci has been restructuring the information science courses at Washburn. The changes have caused the class sizes to drastically increase and have turned the Mabee librarians into teachers of the courses.
Recent talk about tobacco in Kansas has caused a commotion.
Luke Schuckman WASHBURN REVIEW
look like at WU,” Samarripa said. Current Washburn senior Angel Romero gave a speech about his experience at Washburn. RomeFor high school students, choos- ro talked about Washburn student ing a college can be a very tough life, various activities and groups decision. Washburn tried to make to participate in and why he has enthat decision easier for students joyed his past four years at WU. by hosting Ichabod Junior Day. Some of the students on the visit The event featured an information were impressed with finding out inforfair, various presentations on Washburn mation about Washburn they did not student life and housing, the opportu- know before they stepped on campus. nity to explore different academic ma- Austin Bailey, a junior from Fort Scott jors available at WU and a campus tour. High School plans to major in engineerAudry Enos, a junior from Har- ing. He had not known about the prerisonville, Mo., was the only out-of- engineering program that Washburn ofstate student to attend Junior Day. fers until hearing about it in one of the Enos was impressed with the overall presentations provided at Junior Day. presentation put on by Washburn. “I was surprised because when Her attendance reassured most think of Washburn her that Washburn was they think of their law and CAMPUS her college of choice. business programs,” Bailey EVENT “Everyone was said. “I had no idea they very nice and they prehad a pre-engineer prosented everything perfectly,” Enos gram, but now knowing that they do, said. “I really liked how everyone it puts Washburn at the top of my list.” knows a lot about the college and To wrap up the event, Washburn throughout the day they were provided the students a campus tour. giving fun facts about Wash- The tour provided students an opportuburn and the Ichabods.” nity to look at different classrooms, recThe event started out with an in- reation centers and residential living. formation fair that included various Chris Herman, a jubooths describing Washburn student nior also from Fort Scott, came life. Student Activities and Greek away impressed with the event. Life was represented along with the “I came to see if Washburn is Washburn ROTC program. Wash- right for me,” Herman said. “This burn admissions counselor Priscilla Junior Day assured me to keep WashSamarripa helped recruit students burn on the top of my college list.” to the event. Samarripa was pleased with the turnout and believes they accomplished the event’s overall goal. “This event gave students an Luke Schuckman is a member of the adoverview of what Washburn is about vanced news writing class. Reach him at and what their college experience will luke.schuckman@washburn.edu.
See how WU students are helping the MS Society through the Topeka hockey team.
sports
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Lauren Eckert is a junior mass media major. Reach her at lauren.eckert@washburn.edu.
Washburn Junior Day draws future Ichabods to campus
The 14th annual Kansas Silent Film Festival has a record year in donations.
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news & opinion
Two librarians on campus are hoping to make students a little smarter with their information literacy program. Keith Rocci, the information literacy librarian, and Alan Bearman, Washburn’s dean of libraries, decided to adopt the same program as Indiana University-Purdue University of Indianapolis after visiting the university in the spring of 2009. Rocci spent his first year at Washburn getting the new program up and running. One of the goals of the program is to develop students’ skills, knowledge and attitude with regard to finding, evaluating and using information. The program has four components: credit courses, oneshots, outreach and user services. Library research strategies and a special topics course are the two information science courses offered. Library research strategies is a one-credit course that can be taken online or in the classroom. One-shots involve a faculty member inviting their class to the library to focus on a specific area of information literacy such as plagiarism, citation styles or narrowing a topic. The outreach section of the program works with local high schools to ensure that students coming into college will be better prepared. User services offers reference or in-depth appointments. The library research strategies course focuses on sifting through less useful information and being able to detect usable sources. Rocci frowns upon the use of information sites such as Wikipedia for gathering research.
“Wikipedia is like talking to the guy at the bus stop. You’ve got to get a really solid source,” said Rocci. When Rocci began shaping the program there were 20 students enrolled in the library research course. Last fall, the enrollment number increased to 275 students and this semester there are 180. A new requirement making the course mandatory for all conditional students increased the class size by 146 students. “Our goal is to get it so every student takes a class in information literacy. Because it just makes them better at being students,” said Rocci. When Rocci’s restructuring of the course caused class sizes to increase, he decided it was time for the librarians to begin teaching. There are currently seven librarians teaching the course. Sean Bird and Michelle Canipe are new to the librarian staff. Both are currently
the future. Budgeting, credit counseling and filing bankruptcy are all options that can help in a credit crunch. A brochure created by the FTC breaks down all the elements that are taken into consideration when credit scores are calculated. For example, creditors may give points for bill-paying history, the number and type of accounts opened, history of late payments, outstanding debt and any former collections actions. The three major credit scoring agencies include Equifax, Experian and TransUnion. These agencies don’t share these files unless specifically requested, and credit reports are free to the public in most states. It is important to check credit scores regularly to ensure that no fraudulent activity is occurring. The FTC advises the public to be careful with credit cards and keep an eye on payment deadlines. But most importantly, it is vital to be aware of the credit history being established. Lauren Van Patten, a Washburn sophomore, thinks it is important for students to pay attention to their credit scores now. “What you do now can affect you for the rest of your life. A lot of students who don’t pay attention might be prevented from buying a car or house later because they didn’t think meeting deadlines was important at the time,” Van Patten said.
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