Unfold when a tree crashed on to a mobile home more than 450000 homes and businesses don't have electric power in the storm's wake complications were Brett Kavanaugh his nomination to the Supreme Court in an interview with The Washington Post Christine Blasi forward accused Kavanaugh of sexual misconduct when they were teenagers she has told this to other people back in 2012 while she was in couples' therapy with her husband she told this story and named Kavanagh and said this is something that according to her a sexual assault which in her telling lingered with her her entire life denies the accusation for now the White House is backing Kavanaugh in Laredo Texas bail set of 2 and a half $1000000.00 for one David Ortiz a u.s. Border patrol supervisor facing charges of murdering 4 women over a 10 day period before he was busted on Saturday we don't know if he was acting as a Border Patrol agent when he was attempting to pick these women up we don't know exactly how any of that played out authorities are being fairly tight lipped but we do know that they believe at this point that he acted alone a.b.c. News will car Ortiz facing a court appearance this week wheelchair bound Maurice Forte jailed in Jacksonville Mississippi should say Jackson Mississippi charged with shooting and killing his mother grandmother and sister and a home in the Mississippi capital you're listening to a.b.c. News I'm Jay foreigner c.e.o. 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Great deal for 26 year old engineering student Arthur Medici boogie boarding just 30 yards out Saturday when the shark Brad told A.B.C.'s aerial Russia wildlife authorities in Wyoming trapped and destroyed 2 grizzly bear suspected in a deadly attack on a hunting party the body of 37 year old hunting guide Mark obtain was found Saturday according to a Jackson Hole news outlet a Teton County spokesman says his client Corey Jubran of Florida suffered leg chest and arm injuries and was flown to a Jackson area hospital he's since been treated and released the 2 had been bowhunting on Thursday when they shot an elk but they didn't track the animal down until Friday when they were preparing to take it out they were charged by 2 bears one attacked obtain and then chew bahu told authorities he was able to run and phone for help Todd and a.b.c. News quite the sight in Philadelphia where animal care officials rescued hundreds of baby chicks from an empty lot chicks found in a lot across from a shopping center the chicks owner was hoping to take over the lot and start raising the chicks for resale but had not told the lats owner or put up proper housing feeding and watering say officials officials say the owner estimated he'd lost over a 1000 chicks prior to their discovery this is a.b.c. News. Results not typical do you owe the i.r.s. More than $10000.00 in personal or business taxes and you can't afford to pay get tax representation the industry experts with negotiating with the i.r.s. With an a rating with the Better Business Bureau call today and the i.r.s. Will be contacted the same day putting a stop to bank levies in wage garnishments call the tax representation hotline at $800.00 by 567089805567089 that's 805567089 I'm Richard can sue a.b.c. News. 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Welcome back to the tech night I'll live for you never know what's going to happen next and now here's Jeanne Steinberg. With credit repair expert Darrius Norman and Doris is the author of rewriting the financial rules I want to ask him what that means in a moment your rerunning financial Rose West about that in the money what if the government and they're not going to do it under this administration maybe with a different party what if the u.s. Government formed or made division of the Federal Trade Commission where they absorb all the credit information and they do the work. I think that will be quite progressive and it will be it will put in a 5th the consumer more high over there and they just. It will sink stablished back in 2000 t. And the previous administration and this particular agency it's called the Consumer Financial Protection Bureau and it was set up by Congress and the previous administration so want to be the watchdog for financial institutions and products and services to take the consume so they do regulate they have some type of regular or your powers to regulate the credit bureaus as well as the banks the ata Linders as well as debt collection agency says Willis. This is a decision was that a noun 25 years and it was put in to do exactly what you say. The Federal Trade Commission should be doing and so it's been officially there for. I utilize it when I help clients my hip clients to make complaints to the because that bureau has regulatory powers over those agencies aren't they in the act of cutting back on agencies like that and this is what is. Yeah totally this administration then their number one aim was to cut back on the single financial take should be rolled they think if it was a good number of girls and has too much power with no Gers diction over it and so yes they may still try to cook they just power in regulatory power bag but so far it's only think we've just seen a a new department he is pro business so he has not done the work like the previous. Department has done to provide that oversight in regards to consume the takes you see that what bothers me here is you talk about business friendly if a customer likes a business and how they provide services or products to you wouldn't you be more inclined to deal with them if you don't like them dismantling the government does you not do business with them isn't in the self interest of a profit making corporation to try to just be nice rather than too greedy in the parser we're in the utopia Yes you know maybe a broad out of the American borders but you know most these companies are only sell what they see us as numbers not human beings so in a perfect world yes but where we are we're stuck yes yes and so is concerned we have to armor. The knowledge base and utilize the. Rights that we have to protect us is so weak he can't stay. And go down a path that is going to be done if not only for our sales but our family and. While that goes course with the more libertarian approach which is do it your. Self don't expect the government to for you your book rewriting financial rules tell us more about it so the title I know it's you know a little awkward or unusual but I utilize free writing funny. Not prissy youths indicating that you should rewrite from engine rooms but it's more so individually giving you and motivate you you can't change. That you have created previously financially you can make those adjustments you can write a new scripts or you keep being a new place in your life. Give us an example to maybe tempt our audience to look at the book for so for instance myself I will put myself out and because I created it out of. Myself I guess I made those adjustments financially I did make some behavior as well as lifestyle changes so would I like I said I downgraded I moved maybe 60 miles off the radius of the city of Atlanta one bedroom apartment start working on a credit paying off my credit repair my credit so from there I became no longer became a rich I became a homeowner so I was able to purchase a nice piece of property with $50.00 down pay me going to closing and I was able to purchase the nice car the newer car in a car paying was only $160.00 a month so I hope I can expire this will those that amaze a store you know something $160.00 a month that's not even the interest payment of car loans what kind of car we're talking about so I purchased $3.00 licks Yes $330.00 and it was a used vehicle is not a brand new branding car but a late model no model and I was able to purchase it they were money. Because my credit score at that time when I was making a lifestyle behavior changes I had a critical of $5525.00 so when I started making these adjustments and it took me over a year to make these adjustments I went from a 527 I can split to a 725 and so it changed my purchase towel well as my quality of life. When you get over 700 pretty good 6 kind of sort of do things below 600 you're really stuck you know when they call some prime lenders and all that stuff so it can make it more difficult I could see where that situation works in a perfect world where you could do that but the other thing I'd like to ask you here is obviously we're talking about businesses that may be too greedy Are there things we should watch out for in looking for credit repair services looking for credit monitoring or dealing with loan companies to buy a car or just to get cash advance or something yes so one thing and I'm glad that you asked that question expression when it pertains to obtain a new critical parts or if you're trying to get up all night long or maybe a payday lender you may have to resume it terms of get a loan 'd from a payday lender one thing imo someone is an up and on your audience is to be very careful in Agusta become a deadly quick well that counts because those kind of any arbitrary agreements in their terms if they leave money or if you don't pay those items or you to come to link what they have to charge those items off they have the right to a 3rd party or possibly take you to court. So be very careful in regard to those problems because my question here is if they sue you if you have to hire a lawyer or is there a way to defend yourself in some cases you could defend yourself but I would highly say hire a lawyer I'm not only attorney but you shouldn't really if you find yourself in that but take a look at they commit you should definitely seek out legal. But in terms of credit repair service is what you should be looking out or make sure that they're reputable. And look at their client base and see if their clients have been satisfied as well as. You know it should be paying a lot of amounts of money for credit repair services the average amount monthly should be no more $89.00 a month if you're going to use a credit repair service and that's even that's really expensive we're talking over a $1000.00 a month here but the thing here is would you look at the Better Business Bureau for example would you look at Yelp would you look at a place like Google and see what other people are saying about that place and there's always could be a complaint somebody is going to say hey they ripped me off but if the general tenor of the reviews is really positive that I guess you'd see them being reliable we have one more segment I guess is Darrius Norman and he's a credit repair expert more to come on the Tech 9 now that I have. Attack of the rocket has been well received by critics on the readers alike it's a thrill a minute story you'll never forget a former u.s. 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But with her it's finding an affordable insurance plan keeping your doctor or being able to afford needed prescriptions navigating the healthcare system has become a challenge control your own health care costs with health care liberty health care is not insurance it isn't a. Clear night with like minded people to share the cost of each other's medical needs neighbor helping neighbor more now by going to Liberty On-Call dot org That's Liberty on Call dot org. We'd like to hear from you if you have a comment or question about the tech night alive please send it to news at Tech night owl dot com That's news at Tech night owl dot com If you'd like to discuss Today show with fellow night owls This is our community forums at Forum dot tech night owl dot com That's Forum dot tech night owl dot com. Let's look at a perfect world Arius in the perfect world if you were the guy in rare responsible you're the head of the f.d.a. Or the Consumer Protection Bureau what would you like to see in the way the credit is handled to protect the customer to provide them more avenues for relief that sort of thing I would like if I was the head of the consumer I meant tips and bureau I would definitely see if we could put more policies in place to limit credit and debt collection agency because a lot of times they are they are really taking advantage of the consumer our very our really limits. The ways their practices in regards to how them to live myself if I was over the Consumer Financial Protection Bureau I will also like you indicated credit Firouz as data reporting negative giving people only 30 days to determine if their credit worthy or updating their credit history payment history within $30.00 days. I will create it where. If you. Should be reported ever 60 days not every 30 day you know which would give you the foot in the consumer flipping. Know how to maybe come up with a solution to deal with their financial challenges within 30 days within 60 days instead of 30 days if they're having a hard time paying on I $31.00 days you're dating immediately and I have a problem with that so you like to see it 60 days I suppose also it's optional with a credit or if you tell them I have this problem I'm sorry about this can we work out something some creditors will say Ok they'll do something or if you continue making your regular payments for 3 months or 6 months they'll take care you other say that's too bad right right right and I always encourage others to well I'm glad you highlighted that aspect I always encourage others to go directly to your loan or finance company if facing the time it should challenge and you know discuss that matter because a lot like he said more than likely they have some type of deferment or forbearance program for you now we're heavily steeped in technology here everybody has a smartphone everybody has a smartphone some people have smartphones and step personal computers and we're inundated with e-mail how do you protect yourself. With all this technology so someone doesn't grab ahold of something you don't compromise in account that sort of thing well again I would encourage it in each and every one of us to up hey maybe great a mile way or to place on up he sees or our work i Phone devices do you think does against viruses. Potentially. Pain our pertinent information so there's a lot of great programs of products out there you can definitely go to Best Buy a great malware program now and one thing courses with something like an i Phone Apple has a cell lock down you very rarely see or hear of security problems and then Apple usually fixes them and next release if you deal with Android I think all bets are off right. Very well if you want Yeah because I have a i Phone now 7 and that you know I've had new issues will concerns but also I have. To take them myself as it also RINGBACK makes it. I mean there are things you can do that no matter how secure your device is you're going to get yourself in trouble like fishing that's where you get the letter from Pay Pal updates your account or your bank Chase Bank or Wells Fargo if you click on that link it's going to take you to a site that looks exactly like Pay Pal looks exactly like Wells Fargo and then you update your information and