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Read More Loans Most financial institutions will approve or deny loan applications on the basis of information they receive from national and local credit reporting agencies. These CRA’s, as they are commonly known, gather and sell data that show how consistently you’ve paid your bills, whether you have any judgements against you, and whether you’ve filed for ...
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OCP
3/15/13 ...
Read More Credit Cards Before applying for a credit card or accepting an offer of one, learn what credit terms and conditions apply. A credit card usually involves a charge for the convenience of borrowing, plus other costs. Consider the following when you shop for a credit card. The ANNUAL PERCENTAGE RATE is expressed as a yearly ...
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Read More Credit Tips When borrowing money or applying for credit, it’s important to comparison shop first by getting full information on the credit and lease terms of different lenders. The Truth In Lending Act prohibits “bait and switch” tactics in advertising consumer credit and leases. No advertisement may state that a specific amount of credit or a ...
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6/18/12 ...
Read More What Do You Do If Your Identity is Stolen Here’s what to do if your identity is stolen: Contact the fraud departments of any one of the three major credit bureaus to place a fraud alert on your credit file.The fraud alert requests creditors to contact you before opening any new accounts or making any changes to your existing accounts.As soon as ...
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Read More Tips to Protect Yourself Identity theft occurs when someone uses your personal information such as your name, Social Security number, credit card number or other identifying information, without your permission, to commit fraud or other crimes. Here are ten ways to protect yourself from identity theft. Guard your personal information such as Social Security Card, Birth Certificate, Passport, ...
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Read More What Should I Do If I have a Landlord/Tenant Problem? If you have a residential landlord/tenant problem, there are a number of things you can do: Call the Landlord/Tenant Information Center at 586-2634. Center staff can provide you with information about Hawaii’s Residential Landlord/Tenant Code. The Landlord/Tenant Information Center operates from 8:00 a.m. to 12:00 noon, Mondays thru Fridays, except on state holidays. Get ...
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Read More Abandoned Items Left in the Unit When a tenant abandons his or her possessions in a dwelling unit, the landlord must make a determination of property that has value and property without value. The landlord must do this in good faith. For property without any value, Hawaii law allows the landlord to dispose of the property. For property with value, ...
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Read More Termination When the landlord or tenant wants to terminate the rental agreement, they must know the type of rental agreement that they have, whether it’s a week-to-week or month-to-month tenancy or a fixed lease for a fixed period of time. Each type of rental agreement has a different termination notice requirement by law. However, for ...
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6/16/12 ...
Read More Lockouts & Turning Off Utilities Hawaii law strictly prohibits the landlord from taking part in any self-help activities in order to remove the tenant from the dwelling unit after the termination of the rental agreement. One form of self-help activitiy is a lockout. A lockout is considered as an act of preventing the tenant from entering the dwelling ...
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Read More Failure to Pay Rent The Residential Landlord/Tenant Code states that the rent shall be paid at the time and place agreed to by the landlord and the tenant. The law does not provide the tenant a grace period for late rent payments. If the tenant does not pay all or part of the rent on the agreed due ...
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