European Stars and Stripes (Newspaper) - January 27, 1993, Darmstadt, Hesse Wednesday january 27, 1993 the stars and stripes Page 21 Ann Landers dear Ann Landers i am becoming despondent Over a problem that is turning into a Nightmare. I am continually denied credit for everything from Loans to a set of encyclopedias. I experienced a very bad time some years Back because of a divorce unemployment and severe health problems. I very much want to re establish my credit rating so i have contacted All the credit agencies that had me listed and set out to clean up my reputation. It seems however that every time i apply for credit another investigative Agency in be never heard of pops up. What i need to know is this Ann is there anything i can do to find every conceivable credit re porting Agency i want desperately to Clear my name. How Long does it take to remove a negative reference once in be paid off the collection Agency also am i legally responsible for my sex husbands debts some of these agencies have Botn our names listed together. In be Nad an excellent Job for two years and am new financially stable yet in a still haunted by a miserable credit history. Please help me. Fighting the past dear fighting the consumer credit counselling service operates 750 offices across the country. It helps people set up a budget understand their credit reports and repay creditors. Negative information can remain on a credit report for up to seven years. Bankruptcy can remain for Loyear. People who have made an Effort to repay debts have the option of writing a 100-word letter explaining the circumstances of the debt and stating that it has been paid. Such a document will appear on the computer to overcome whenever someone pulls up their credit record. Interested Consumers can Check their phone books for the consumer credit counselling service in their area or Call the computer run toll free line 1-800-388 cacs which will give the phone number of your local cacs office. Since it is computer run it gives Only the number of your local office not personal advice. Dear Ann Landers in be always been a Good and generous father. When i Thor of our two daughters has been in a crisis my wife and i have come to the Rescue. Since we have always been there for them a recent experience was especially shocking. This past year i won More than $4,000 in various lotteries and used the Money for improvements on our House. I had an unexpected turn of poor Luck and things went bad for several months so i dipped into my modest Home equity to the tune of $1,600. Well Ann you would have thought the sky had fallen in. When our daughters Learned of this they became very upset. One shouted a How could you this is our inheritance Quot i was very unhappy with that outburst and said so. Our daughters stand to inherit More than $100,000 in real estate. It makes me sad that a child of mine would make such a statement. Obviously they Are already counting their inheritance and resent the fact that i want to enjoy some of my hard earned Money in my last years. My attitude toward my. Children has changed. I d appreciate your thinking of this. A new me in Calif. Dear new you my advice is spend a lot More Money on yourself skip your daughters and leave what a left to your grandchildren and Charity. Letter to Ann Landers should to addressed to her at . Box 11562, Chicago in 60611-0562. C creator Syndicate a today a crossword living with abuse fear in t Worth it dear Abby my heart broke when i read the letter signed a closing the poor woman said if she did no to feel like having sex her husband threatened to a go up the Road and find i was married for 21 years to a Man like that. He ruled the household by coercion and threats. Examples a if you Cut your hair ill leave you Quot Quot if you leave me ill kill you a if you done to have sex with me whenever i want it ill get it somewhere else Quot dear once he even accused me of Abby having sex with my obstetrician because i refused to have sex with him until our baby was 6 weeks old my husband abused me and our children both physically and emotionally. Regrettably those scars will be with us for a lifetime. 1 Hope a closing patience Quot gets out now before this Man ruins her life and the lives of her children. A life lived in fear and constant threats is a life not Worth living. Sign me. Recovering dear recovering i have harped on the futility of living with an abusive spouse until i sound like a broken record. There Are shelters for abused spouses men too need a Safe Refuge. The National Council on child abuse and family violence has a toll free help line that can provide assistance it is funded by donations from concerned people across the country and provides a crucial service to those in need of information and Refuge. The Telephone number is 800 222-2000. Unfortunately Domestic violence is still a in the closet Quot in Many Homes. Sadly some people take the beatings and humiliation because they Are ashamed to let anyone know what they have to contend with. Letter for this column should be addressed to dear Abby at . Box 447, mount Morris Iii. 61054. C synd Cato across 1 naked Maja. Artist smar eau charade iia Tion a five Carat 12 fat Etui March Day 13 historic period 14 Houston Campus 15 second. 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