EL SEGUNDO HERALD May 11, 2017 Page 7 Community Briefs Dr. Melissa Moore Receives Scholarship to Global Summit as Leading Educator El Segundo Unified School District Superintendent Melissa Moore has been recognized as a leading educator and awarded a full scholarship to attend the upcoming “ASU GSV Summit” for a gathering of some of the greatest minds in education and workforce innovation. Moore is one of only 500 superintendents out of approximately 13,500 school districts nationwide to receive this honor. The Arizona State University + Global Silicon Valley Summit annually brings together the most impactful people from diverse constituencies—K12 and higher education leaders, entrepreneurs, business leaders, policymakers, leading technology companies, and philanthropists—to explore solutions, create partnerships, and shape the future of learning and talent innovation. “I am honored to be able to attend the ASU GSV Summit as a means to further our school district’s vision in relation to digital learning,” said Moore. “I believe the International Standards for Technology Education are the new benchmark for planning technology based activities in which students achieve success in learning, communication, and life skills. ESUSD is extremely proud of the work we are doing, and remains committed to the integration of education technology and blended learning opportunities aligned with rigorous standards.” From May 8-10, more than 3,500 leaders from around the world convened in Salt Lake City, Utah, united by the passion to accelerate learning to ensure that everybody has an equal opportunity to participate in the future. The Summit dives deep into the latest innovations in education and talent technology from K-12 to higher education, the future of work, and global education and workforce talent management. Participants choose to attend the ASU GSV Summit to get connected to like-minded leaders, engage in discussions on the future of learning and talent, and hear from prominent keynote speakers. Arizona State University and Global Silicon Valley believe that education is critical to ensuring all global citizens participate in the future. They created the ASU GSV Summit to elevate the dialogue around raising educational outcomes through scaled innovation. Free Rides on Metrolink During Bike to Work Week Metrolink will offer free rides during Bike to Work Week, May 15-19, 2017, to anyone who brings a bike onboard Metro- link. This offer will be effective on all Metrolink trains in operation Monday, May 15, 2017 until Friday, May 19, 2017. Riders must accompany their bike for the entire trip. Free ride offer is limited to one person per bike. Metrolink Bike/Board Cars are in high demand across the Metrolink system as more cyclists continue to take the train. Due to the high demands across Metrolink’s system, there will be limited bike capacity during Bike to Work Week. If the train cannot accommodate any additional bikes, you will be asked to take the next train or find alternative means of transportation. To ensure the safety of all passengers, Metrolink conductors have the right to ask bicyclists to relocate to another passenger car or in the situation where there is no more bike storage available, ask you to wait for the next train. The free rides on Metrolink are not eligible for free transfers to any other bus or rail operator. This offer does not apply to any Amtrak trains including shared service trains. LAX Relocations Mean Major Changes for Passengers The biggest airline relocation in Los Angeles International Airport (LAX) history is about to take place as Delta Air Lines relocates from Terminals 5 and 6 to Terminals 2 and 3. Airport officials say the end result will be more efficient airline operations between partner carriers, and planned facility improvements for Terminals 2 and 3. The activity taking place on the nights of May 12, 14 and 16, into the early morning hours the following day, has been planned for nearly a year. It is part of a larger effort that began when American Airlines and Delta Air Lines swapped four gates in Terminals 5 and 6 at the end of January. Each night when the airlines that are moving have completed their operations, they will begin the process of moving equipment to their new home, where they will begin operations the next morning. In many cases this means aircraft will be towed from one terminal to another, ground service equipment and entire offices will change places in the early hours of the morning. Delta will move portions of its operations on each of the three nights--May 12, 14, 16. Delta will operate from as many as four terminals between May 13 and 16. The remaining airlines will move on one day and start in their new location the next morning. Extra staff and volunteers will be on hand to help guests find their way around. There will be a moratorium on construction in the Central Terminal Area (CTA) during the week of the moves. While that week will be most busy, passengers using LAX should always plan ahead to navigate sidewalk and vehicle lane closures and in-terminal work. Construction alerts showing Central Terminal Area (CTA) roadway lane restrictions and sidewalk closures, as well as a pedestrian walking map and helpful airline terminal finder, can be found at www.laxishappening. com. LAX provides real-time traffic status in and around the CTA, and space availability in the terminal area parking garages and Lot C on Waze, the community-based traffic reporting app. More information on the upcoming changes, including a fact sheet listing the affected airlines and a map showing the locations as of May 17, 2017, is available at http://www. laxishappening.com/laxonthemove.aspx • Burkley Brandlin Swatik & Keesey LLP AT T O R N E Y S AT L AW Lifetime El Segundo Residents Living Trusts/Wills, Probate, Employment Law, Personal Injury Trust and Estates Litigation, Business Litigation, Civil Litigation 310-540-6000 *AV Rated (Highest) Martindale - Hubbell / **Certified Specialist Estate Planning, Trust & Probate Law, State Bar of California, Board of Legal Specialization Credit Scores Expected to Rise a Bunch in July By Rob McCarthy New credit-scoring rules this summer will lift average scores by 20 points and push millions of American consumers into the good-borrower category, the industry’s California-based leader predicts. FICO, which developed the credit-scoring system used by consumer lenders, reported that the average credit score in April reached 699. That average score for American borrowers set a record and was just one point shy of the “good” range of 700 to 749. FICO is a San Jose, California-based analytics company that focuses on credit-rating services used by lenders and employers. About July 1, the nation’s three creditreporting bureaus no longer will count tax liens and civil judgments against FICO credit scores. Nearly 11 million people should see a 20-point jump in their credit scores, and another 700,000 people would see their scores go even higher. The credit bureaus Equifax, TransUnion and Experian are changing the rules in response to findings by a federal agency about shortcomings in how the bureaus use public data in credit scoring. The Consumer Financial Protection Bureau’s April report highlighted a need for changes, specifically better identitymatching of consumers to avoid misreporting of unpaid taxes, child support or debts. Civil judgments can hurt a person’s credit score more than ordinary loans, according to industry experts. The effect of a courtordered judgement on a FICO score is almost immediate, they add. Not all tax liens or judgments will disappear from people’s FICO scores, but most of them will, according to the Consumer Data Industry Association that represents the credit bureaus. The change is expected to push more consumers above the 700 mark and closer to the 750-800 range that signifies excellent credit. The two biggest factors in the FICO scoring model is paying bills on time and not carrying high balances or overextending available credit limits. Car and personal loans and credit card balances that together exceed 30 percent of a person’s available credit are counted against their score. Other factors in the scoring method are length of credit, new applications for credit, and whether a borrower shows a mix of credit. The scoring favors a combination of auto loans, home equity, personal loans and some credit cards. Credit report errors about late payments and balances are common and affect a FICO score. The Federal Trade Commission has estimated that 20 percent of consumer credit reports contain errors. Because of the error rate, consumers are advised to check their credit reports every year for accuracy. Consumers who believe their credit reports contain bad information may write a letter asking the credit bureau and the company that reported the information to make a correction. Both must investigate the dispute. Using a credit repair service is another option for contesting and removing errors from a report. The Fair Credit Reporting Act protects borrowers and consumers by requiring the credit bureaus to provide correct and complete information to lenders when they process an application. Consumer protections of the act include: • The right to receive a free copy of your credit report. • The right to know the name and identity of anyone who received your credit report in the last year, or the past two years, for employment reasons. • A lender must tell you the name and address of the credit bureau it used to deny an application. • The right to a free copy of the credit report that was used to make the denial; a request must be made within 60 days of the denial. • A consumer may add an explanation to a credit report if the company or bureau refuses to correct disputed information. Lenders have been advised to be cautious about reviewing a loan applicant’s creditworthiness after July 1. Financial planner and blogger Sean Williams with The Motley Fool writes that consumers’ credit habits will be the same in two months, regardless of their higher FICO scores. “Lenders could find themselves at a higher risk of loan defaults as these tax liens and civil judgments are removed from people’s credit reports,” Williams warns. See Credit Scores, page 17
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