The Daily Mail from Hagerstown, Maryland • Page 20

TWEKTV THE DAILY MAIL. HAGERSTpWN. THURSDAY. DECEMBER 3. THE CREDIT BUREAU.

INC. CREDIT REPORT OOQ PUBLIC. JOHH Q. 611 Main St. AnytowB, U.

S. rile NO. Not shown CAUIWN '10 Cl'SIOAEJR: In Witt tif rK" rettwtd vritkHbt Ike rtpwtod if (DOROTHY) This report from CREDIT BUKEAU Hageratoyq through circumstances tlu-jr control. It is their over-all honesty, however, which makes it possible for a person to start out I from his home with (inly bus fare 'and a charga-piate, and do all of jhi-. Christmas shopping without Deptt Furn.

Bank Motor Purnt Bank Bank 7-11-ltf 6-7-50 1-9-51 5-Wtf 9-U-51 U-20-50 7-52 88.74 282.53 459.92 758.40 7-52 25.00 7.00 no. 86.54 20.00 mo. 00 12.78 mo. 150.20 50.56 no. 00 30 day 25.00 7-52 1140.09 63.34 nO.

1140.09 269.99 10.45 MO. 00 00 00 00 00 00 00 00 Satisfactory Prompt Satisfactory Satisfactory Satisfactory New acct. Prey, satis. Prompt oul a single coin--if he has always met his financial obli- gations promptly in the past. It i.s routine for stores to check with tlie credit bureau when large items are being sold on credit but, if the customer has always maintain- ed SOCK! credit standing, it is im- possible for the bureau to supply information thai would make furth- er extension of credit inadvisable.

The Moreover, they are more were rejected for tecurity reasons T- armed forces, while colleges in this country, raiding'route. Dr.B.vrd said that neither 111 in age from 22 to 60 years. the University of Maryland nor IgOF in On the other hand, the instruc-; the teachers have been able to tor must be of a caliber to be, ablelleari from the armed forces the Maryland Grangers, in the final jto put across his teaching, or he reason for the rejections. Convention Here session of their Viith annual con-jj us won't be able to make the) College Park students will bene- vuntinn n.rp imik un thp matter i rir- here, took up the matter i grade, Dr. Byrd continued.

Four fit by things that are being done of taxation as it affects the stale's men have already been returned jj European classrooms of the Un- farmers. ito this country because vers jty of Maryland. Dr. Byrd The delegates recommended that; we ren't up to the demands of the Jo impressed by the way average shopper seldom when the clerk is actually pultinfi through an inquiry on his credit status. Within a minute the request i.s received at the credit bureau, his file is located and telephone checks are made with other firms thai lisl him as a customer.

An idea of the number inquiries made daily by local i.stores is borne out by the tele- phone traffic at the Credit Bureau 'of Hagerstown office--between 750 and 1,000 calls daily. This is ac- tually a small figure, though, when iyou consider that the office main- i tains files on approximately 65.000 persons in the Hagerslown Irading area--including residents of adja- cent areas in nearby stales. The information on file al the credit bureau is constantly being revised and brought up lo date. Each time an inquiry is made on an individual- file. Ihe information i gleaned for the inquiring store is i added to the file.

Bureau per- isonnel also systematically add in- RE.MARhS: Com nit Rjcora. (b) fioplojmtnt. (a) Frallr Bidnnnuiil. W) Ifecanl. i .,.,,1 JF REPORT covCTa A WOMAN, name wfl occupttWD or Duabftofl lu mwnM) or tuber ilsta) antlMUiniU of bit aot worth 104 i i a retOiUCU Qieus U1U other transactions at Ihe county court house, plus salient facts Cleaned from the newspapers--on judgments and similar actions.

JNames of newcomers to this city iare supplied by local utilities com- IDCKTITTt 1. About bow loos ba he rcildad In cttrT X. Ultimate applicants (Verify If under S. applicant i wldowedT No deprndcfitar EMPLOYMENT: 4, Wb company, ptrtnerihlp or Individual be connected? S. How long has apjrtlcint been In present tnulneu connection? fl.

(UnoUijiUln.) 7. If employed by Is Job red prrmn riNANCESt 1 applicant's Mtlmated ntt wwthT ff." Of what worth cent (ml eattc. pfMoniltyjl 1 10. applicant own bomc, rent or boirdT 11. About -wnat Income Irom emplOJmtQlT I vcitmeaU.

rentnlj. or or otber or funlir to OOUM- hold Mpeaari) BECOKDBt 14. Dou fit beta tued or gunUaHdr 15. file IndlcaU that KppUuat beea tarouib btntauptcyT BETUZinoN: 10. KppUcAQt'c rfputation tor boowty td itlr dtkllna toodf (II not i Lif off and on 4-22-2lj.

3 'Mftrritd do. dtpendtoU Ij Goodman Tire 3. Since 7. Yost Equity in home car w. Buy ing per mo.

(estimate) "Nona UUlUkl 1031M. PILE RECORD: This name has been known to our filea since EMPLOYMENT: John Q. Public has been employed by the Goodman Tire Co. since as a machinist and has income from this of per month, estimate. He was previously employed at Brook Field in Sraithtovm and at the Air Depot here in Anytowni FAMILY BACKGROUND: Applicant has lived in Anytown all his life off and on.

At ona time ha lived in Smithtown. He is buying his home at the above address and has estimated worth of $7500 which consists of equity in home, furniture and car. Subject was born Is married, and has wife and three children dependent. LEGAL RECORD: No detrimental legal records listed against applicant. MILITARY STATUS: Not a member of Reserves or National Guara, They also urged thai Ihe tax as-; overseas a year, obtaining sessment law be amended to make 'sabbatical leaves from their own il unnecessary lo view the prop- colleges for the sake of the oppor- erty every lime a re-assessment itunity lo sludy and observe abroad.

is carried out and to make it sible to have all property assess- ment values determined annually so lhal each property bears ils equal share of Ihe lax each year. The convenlion also wenl on rec- ord as favoring the postponement of the general property tax review until 1955, the exemption of materials from Ihe sales tax a parlial federal income tax de-i duction allowance for state indi-i campus. vidual income tax ptirpdses. Among the other resolutions! adopted al this morning's meet-! ing were ones calling for an ex-' pantied research program for ag-j riculture, improving government's crop reporting service and call- New Officers Only one countian was named to office in the Maryland Stale Grange yesterday. The complete list includes: Matter, Herbert R.

Hoops, Forest Hill; overseer, Austin P. Renn, Adamstown; lecturer, A. B. Hamilton, College Parti; ste- ward, Walter Mason, Notting- ham, assistant steward, Henry Magness, Bel Air; chap- lain, Lester Stem, Westminster; treasurer, D. Vernon Holter, Frederick; secretary, J.

Herbert Snyder, Union Bridge; gate- state a cent on this extension work. In fact, the University of Maryland is $100.000 to the good as a result of it, right now ing for the appointment of at least i eep ill J-? one farmer to the federal com-j mission studying the nation's for-; eign economic policy. Delegates also adopted a reso- lution favoring the re-organizgtionj of the U. S. Department of Agri-i culture along the lines set forth by Secretary Benson and the continu-i Mel Lanham; and Bruce E.

ation of the Soil Conservation Ser-1 Crum, Frederick. vice as an independent agency of' the Departmenl of The University of Maryland be- Following lunch the ils school for soldiers because officially closed al 3 p.m. with the of armed forces requirements for ley; Ceres, Mrs. Helen Cox, Eas- Cauley, near Hagerstown; Flora, Mrs. Dorothy Remsburg, Buc- keystown; lady assistant ste- ward, Frances Darner, Middle- town; executive committee, Guy Secret Interview WASHINGTON internal security tubeommittet went ahead with public in Washington today after aeeept ing the Canadian government'! terms for a secret interview with in Canada.

Communists-m-gov- the subcommit- receive Justice Department records showing when IFBI reports were sent top federal Dr. Byrd pointed out that the! officials on some of the late Harry ate of Maryland doesn't spend Dexter White's associates in the Treasury Department. Information of this nature was sought on V. Frank Coe, Victor Perlo and Solomon Adler-- all another speaker at the luncheon meeting warned the Grangers: "Man isn't asked to debate the brotherhood of man. God has already decided that." He declared that battles won't cease until the brolherhood of man is actually accepted.

John Newcomer, masler of the Washington Pomona Grange, also spoke briefly. Governor Theodore R. McKeldin, whom. onetime members of a Soviet spy network within the government. Atty.

Gen. Brownell touched off the investigations Nov. 6 when he charged former President Truman promoted White in :946 in the face of FBI reports linking White to Russian espionage. Subcommittee Chairman Jenner (R-Ind) announced the decision on Gouzenko late yesterday after a showing in the state-wide cookie contest. In bar 'cookies, Mrs.

Ruth Tal- helm, Leitersburg, won first place. Mrs. Henry Lakin, Jefferson, was second. Honors for rolled cookies went to Mrs. Walter McCulloh, Hancock, with Mrs.

Myrtle Shuppert, Sparks, second. Mrs. Mark Miller, Hagerstown, state home economics chairman of the Maryland Grange, was in charge of this contest. Last night at Washington Street panics, and up-to-date credit in'- msta la ion of a late 0 promotion. Many otherwise qual-j School, 85 persons received the formation is procurer immeuiiitc icers 'jficd men couldni reach Ihe high- sixth, or stale, degree.

Ihe highesl from Ihe towns 01 cities in wmcn, Degree Tcam er ranks of comm ss ioned of ficers degree of the Maryland Grange- Yesterday Dr. H. f. Byrd, pros-' because they didn't have two years tlie i i Marv-i of college. So the state inslilution they resided previously.

The national aspect of the local through its affilia- principal i Newfoundland, Nova Scotia, Ice How Credit Information Is Reported in inv ctnro i iiuvo BREWER, Maine W--Avery. D. cieriit a any Ls eakcr (he af crm)on essinn an England, Italy, 0 lmstead is working on a book Reproduced above is the standard form used by Credit Bureau of Hagerstown in reporting to a member store or business on an individual's credit status. This typewritten report is filled out in the bureau's office, with information ob- tained from other retailers, banks and similar in- stitutions, and relayed verbally by telephone to the store requesting credit information. The bureau does not decide or even offer recommendations on whether or not credit should be extended to a customer; it merely supplies all available inform- ation on the prospective buyer's paying habits and credit standing with other firms.

In supplying information, too, it does not reveal names of though queries to the locaf office from Ihe credit bureau in Ihe out-of-stale community quickly" supply the Tem le stores supplying credit facts-referring to them by business type, such as store," "Department store," etc. By reading the recorded cr n()t crcdil be i. information on John Q. Public, you will noli: that none of the facts are any more personal than those asked by the average store's credit depart- ment manager tally, though, on your neighbor by calling the credit bureau and saying you represent a store. Each firm thai is a member of the organization is assigned a code number and uses thai instead of its name in all inquiries.

Incidentally, getting back to the confidential" nature of informa- tion collected and filed by the local Credit Bureau Collects Facts (Continued from Page 40) exisls solely as a service--to local retailers and businessmen, direct- ly, and to the public at large, in- directly maintaining up-to-date credit information on the buying public in the Hagerslown trading! area. The "facts" on the credit status quo of ager in opening an account. Incidcn- 1 bur eau i Br adl(? i eets la nole of warning lo ammlious gh.jou can complele Credit info in law lo "Regardless how concerned Ihey may be about Iheir daughters' future financial security," says Jim, "they'll have to look elsewhere to find oul whelh- cr Georgie owns his house or his car oulright. We are not per- milled to show our files lo anyone, or to disclose a single fact in- cffccl thai the credit bureau With a modern credit bureau main- eluded in them. That also applies ACTUALLY collects data for usellaining up-to-date credit informa-1 to wives contemplaling divorce and fact needed to put him all bars, not even the U.S.

Bureau of Internal Revenue can borrow the piled from- existing records in stores, other business places and the court house--NOT from private "Oddly enough, though," says Jim, "the average person seems to regard the credit bureau as a sort of Gestapo, with unlimited powers of prosecution and persecu- tion." Which brings up the next ques- tion: Does the Credit Bureau of Hagerstown make the decisions on whether or not you can buy that new TV set, automobile or fur coat on the installment plan? "Again," says Jim, "the answer is a plain and simple So far as the credit bureau itself is con- cerned, a person can buy a whole city lot or a fleet of buses on credit. The bureau does not de- cide or even recommend whether file. The entire concept of the As- sociated Credit Bureaus of Ameri- ca, of which the local bureau is of 1700 members, is predicated maintaining in strictest con- cnce all information collected. (Don't let this lull you into care- lessness with your i a though. The credit bureau's files are inviolable--but nothing's going lo stop Ihe "rev'nooers" from gel available credit information them, we hold on to them." individual can tie supplied, i Chances Are He Was A Little Intoxicated ting their information from the (month." on an The end-result is convenience for the shopper, in a day when the majority ofall shopping is done on credit.

And credit-buying itself is as modern as plastic and atomic energy. People do not want to risk carrying large sums of money with them while shopping, so they charge sales. Credit buying also simplifies the average person's personal bookkeeping, since bills can 'be paid regularly once a of thc Granse at the Masonic este. Austria, North Africa, and rep ort, 22 years overdue, that held Germany. up the Brewer High School diplo- He explained lhat Ihe high On tou rs of inspection, Dr.

Byrdi a he should have received in ty nf instruction at the Gl college i found that accommodations for Ihc 1931. courses overseas is due to two I overseas schools ranged from mere The East Orrington man said he actors -the teachers and huts with pol belliediwanls the diploma for Christmas-- studenls. Only the highest grade of leadi- ng is accepted by the soldiers vho enter the courses, Dr. Byrd because the GI's are accus- omed to the best in every other ype of service from Ihe armed stoves in parts of France to facil-j which also is his 48th birthday, ities in Munich that are better i School Principal i T. than those at College Park.

Leighton said, "We have his di- But the situation has producedlploma. School officials have au- diffieullies, Dr. Byrd pointed out. thorized me to give him the di- Two men whom the University of'ploma when he completes the book Maryland sent to Europe to teach I report." a letter lo Secrelary of State Dulles asking lhat secret arrangements be made for the interview so thst Gouzen- ko's security would be protected. Gouzenko fled from the Soviet Embassy in Ottawa, where he bad been a code clerk, in September 1945, and tipped off Canadian au- Ihorilies to a Russian spy ring operating in Canada with contacts in the United States.

He has been living in Canada in anonymity un- der protection of the Royal Mount- ed Police. Ohio River Bubbling With Soap Detergent WHEELING, W. Va. W) That "strange, white bubbly substance" stretching from shore to shore in the Ohio River has been identified. It's soap.

It's-not just plain soap bat ap- parently a washday detergent A. R. Todd, chemist at Wheeling Filtration Plant, announced today his analysis of the foamy material showed it to be 32 pounds of de- tergent a synthetic soap product --to each million gallons of water. Todd said the detergent might have bein accumulating in ereeki during the long dry spell from fam- ily washings and other cleaning processes and was flushed into the river during the recent light rain. CHANDLER, Okla.

Wl Police- man Hank Albritton promptly ar rested a motorist for drunkenness! when the driver, holding up traf-j fie for blocks, demanded indignant- ly, "When's that light going to change?" red light he was referring New, economicalIS-oi botffet same sources: the banks, Pursuing this point, Jim points was part of downtown Chand- companies and stores with which i out that, instead of proving the in- you have dealt.) Another question: Doesn't the mere existance of a credit bureau prove that the average person is not lo be trusted--that a constant check must be kept on the honesty of customers? Jim answers it, quickly --and repetitiously "No! People who make such a state- ment show that they have no under- standing at all of a credit bureau's purpose. It exists as a conveni- ence for the buying public. With- out few people would be able to buy homes, cars, appliances or to an individual; it merely sup- plies available information on the potential buyer's PAST buying hab- its and his PRESENT indebted- ness and income. Local stores themselves, through their credit de- partment managers, set policies on how much credit may be extended to a buyer--and it is the credit manager who makes the decision on each individual sale." Despite this fact, Jim not in- frequently receives telephone calls or visits from people who accuse him of "blackballing" them by "making their credit bad." Somei even beseech him to call off his personal inquisition and make their credit "good" again. On this Jim comments, "As much as I might sympathize with some of those who accuse me of 'ruining' their credit, the fact remains that they --and they alone--establish either good or bad credit.

All I do is report on their credit status." There is another popular but equally fallacious story lhat per- iodically makes the rounds, to the nate dishonesly of Ihe buying pub- lic, credit bureaus have proven the opposite to be true. Through statistics compiled by credit bu- reaus all over the nation, it has been shown that 97 percent of all people buying merchandise on cred- it do so with the. honest intenlion of paying. Thai leaves only 3 percent who are trying to defraud the merchant--and that 3 percent has a hard time getting by in com- munities where credit bureaus are active and alert. True, of the 97 percent "honest shoppers" in any community, there is a certain per- ing for long periods during which the stores could investigale and determine their ability to pay.

ler's new Christmas decorations. Parking Hazards CLAREMONT, N. H. W)-01ney Quimby found the front end of his automobile supported by concrete blocks. The two front wheels, tires and tubes, had been stolen.

A year ago--on the same spot, in the same way--he lost one wheel, but from a different car. The overnight parkink site: a few hundred feet from the city's police station. Muckle John, attached to the centage who will pay their con- court of King Charles was the tracted bills slowly and some whojlasl of the royal jesters of Eng- will even become "bad BUY YOUR COAL -From- CUSHWA'S Phone 2200 and Get THE BEST SHEARUN3 CUFF! FLEECE LINING I LEATHER SOLE I A fortunate buy nakei this low price powible. The tame tine quality add work- manihlp would have to tell at pur. In martat.

Come They'll Mil fait at thh bargain SHEARLING AND FLEECE LINING! 25 W. Washington There are 96 more ounces of better-tasting Fort Pitt Beer in each case of 16- ounce bottles, yet you pay only a few cents more foe this extra beer. EXTRA BSiR One case of 16-ounce bot- tles is equal to one case of 12-ounce bottles plus extra 12-ounce bottles. Each economy size bottle Beeves two full glasses of sparkling Fort Pitt Beer. EXTRA FLAVOR The same fine flavor that has made Fort Pitt Beer popular favorite wherever is I I A I A I A Zeller Distributing Company 61 West Lee Street Hogarstown, Md.

Phone 2870-J.