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Fortunately, it's pretty easy to get a free credit report these days. But we could all stand to make some improvements in terms of how often we check and what we do with the information. So WalletHub convened a panel of personal finance experts for some tips and insights. Below, you can see who they are, what we asked them and how they recommend getting more from your free credit reports.
It's possible all this transparency has fueled our pursuit of creditworthiness. What has definitely helped is a steady decline in payment delinquencies of more than 90 days, especially in real estate loans. All those negative credit entries earned in the recession have also started to disappear from reports thanks to the seven-year rule that helped Kelman. Meanwhile, automated bill payments are removing human error from the equation. A lull in the growth of new subprime accounts from early 2012 to early 2014, and a lingering reluctance on the part of consumers to seek new credit hasn't hurt, either. (Applying for more credit temporarily dings your score.)
Certain types of inquiries (requests for your credit report). The score does not count "consumer disclosure inquiry," which is a request you have made for your own credit report in order to check it. It also does not count "promotional inquiry" requests made by lenders in order to make a "preapproved" credit offer or "account review inquiry" requests made by lenders to review your account with them. Inquiries for employment purposes are also not counted.
Scores by VantageScore are also types of credit scores that are commonly used by lenders. The VantageScore was developed by the 3 major credit bureaus including Experian, Equifax, and TransUnion. The latest VantageScore 3.0 model uses a range between 300 and 850. A VantageScore above 700 is generally considered to be good, while above 750 is considered to be excellent.
Each of the credit bureaus hard codes their credit reporting systems to look for the "purge from" dates. As these dates hit their 7 or 10 year anniversary they will no longer be reported. Unless you believe that an account is being reported past those time limits, there is no need to remind the credit bureaus that an item is to be removed. It is done automatically. Still, it's a good idea to check your free credit report each year to make sure that is the case.
The Affinity Secured Visa® Credit Card requires cardholders to join the Affinity FCU. You may qualify through participating organizations, but if you don't, anyone can join the New Jersey Coalition for Financial Education by making a $5 donation when you fill out your online application. This card has an 12.60% Variable APR, which is one of the lowest rates available for a no annual fee secured card and is nearly half the amount major issuers charge. This is a good rate if you may carry a balance — but try to pay each statement in full.
Sweden has a system for credit scoring that aims to find people with a history of neglect to pay bills or, most commonly, taxes. Anyone who does not pay their debts on time, and fails to make payments after a reminder, will have their case forwarded to the Swedish Enforcement Authority which is a national authority for collecting debts. The mere appearance of a company, or government office, as a debtor to this authority will result in a record among private credit bureaus; however, this does not apply to individuals as debtors. This record is called a Betalningsanmärkning (non-payment record) and by law can be stored for three years for an individual and five years for a company.[17] This kind of nonpayment record will make it very difficult to get a loan, rent an apartment, get telephone subscriptions, rent a car or get a job where you handle cash. The banks, also use income and asset figures in connection with loan assessments.[18]
Having fair credit means that you have some work to do in order to get yourself back into good financial shape. It is imperative to take steps now to prevent any additional damage to your credit report, and get back on the road to good financial health. By reducing credit card debt, ensuring that you get your bills paid on time every month, and paying off any open collections, your credit score will move enough during the next three to six months to get you back into the realm of a good credit rating.
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Filing a Chapter 7 or Chapter 13 bankruptcy is common among those who cannot handle their debt and need a way out. The way this impacts your credit score really depends on how your score was when you applied for bankruptcy, it will affect different ranges differently. If you had a good standing, your score will dip quite a bit, while on the other hand if you already had fair or bad credit, the dip won't be as significant.
For a score with a range between 300-850, a credit score of 700 or above is generally considered good. A score of 800 or above on the same range is considered to be excellent. Most credit scores fall between 600 and 750. Higher scores represent better credit decisions and can make creditors more confident that you will repay your future debts as agreed.
Hard to Get a Lender's Exact Score: It's often impossible to predict exactly what type of credit score a lender will use, especially since many lenders customize over-the-counter credit score models to suit their particular needs. And if you can't get the specific type of score your lender of choice is going to use to evaluate your application, there's really no reason to be picky.
You can also request your free credit report by phone or by mail. The three reporting bureaus get their information from different places, and also present and evaluate the information in different ways. If you are making a large purchase, such as a car or home, it is a good idea to get your credit report from all three agencies. Save and print your reports so that you can review them later.
Score providers, such as the three major credit bureaus -- Equifax, Experian and TransUnion -- and companies like FICO use different types of credit scoring models and may use different information to calculate credit scores. Credit scores provided by the three major credit bureaus will also vary because some lenders may report information to all three, two or one, or none at all. And lenders and creditors may use additional information, other than credit scores, to decide whether to grant you credit.
There are three main companies that compile credit reports: Equifax, Experian and TransUnion. They typically don't share information with each other, and the data each one collects and reports may be different as a result. That's why it's a good idea to review your reports with each of these agencies so you know where you stand. You can get your credit reports free once a year from AnnualCreditReport.com and access two of your free credit scores with updates every month, here on Credit.com. Checking your scores will not harm them in any way, nor will looking at your reports.
If your credit score is between 750 and 800, you have a long and distinguished credit history that shows a responsible payment history and the ability to handle multiple types of credit responsibly. As a matter of fact, for the most part, you are regarded in the same standard as borrowers with excellent credit history, with the exception that you may have a higher debt-to-income ratio.
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A number of years ago, before I knew better, I got myself enrolled in a credit monitoring service to get my free credit report and score. I stayed enrolled for well over a year and received nothing for my monthly fee. No updated credit reports and no more scores. Cancelling was very difficult. I had to navitage a internet and phone maze to finally reach someone who would cancel my membership. In my personal opinion, it's a lot less hassle to get your credit reports at Annual Credit Report and just pay for your score if you really need it.
Detweiler recommends three stages of review for each report. "First, read through and flag questions you have," she says. "You almost certainly will have questions. See if you can find an answer on a reputable website or contact the credit bureau." Then, she suggests you identify anything you think is wrong. You can dispute the issue online or by mail. Finally, "really look at it from a lender's perspective," she says.
Strategies for requesting your free reportsIf you order all of your reports at once, you'll be able to compare them easily. You will be able to verify information common to all three reports, as well as distinguish the minor differences, such as creditors that report to TransUnion but not Equifax. The downside to this strategy is that you won't be able to order your free reports again for a full calendar year. If this doesn't appeal to your sensibilities, you can opt for staggering your requests. One of the advantages to this strategy is that you will be able to track and verify new information being added to your reports, such as new accounts or loans.
Make sure that you are paying all of your debt on time if possible. Doing so will not only improve your credit rating it will ensure that it doesn't decline. Paying your debts on time will eventually open up more doors to better interest rate credit cards and other more attractive credit offers. You can set up alerts as reminders to pay your bills so it won't slip your mind.
Our commitment to you is complete honesty: we will never allow advertisers to influence our opinion of offers that appear on this site. Transparency is also a core value. We do receive compensation from some partners whose offers appear here. That's how we make money. Compensation may impact where offers appear on our site but our editorial opinions are in no way affected by compensation. The Ascent does not cover all offers on the market.
Free credit reports are available from several sources, including WalletHub, which is the first and only website to offer free credit reports and scores that are updated on a daily basis. WalletHub also provides an early-warning system for credit-report changes in the form of 24/7 credit monitoring, plus customized guidance to help you save more money. All you have to do is sign up (it's 100% free).
The reporting agencies don't "judge" your credit.Your credit reports are simply a compilation of the facts that the agencies, or credit bureaus, collected about you. It's up to individual lenders to decide what they deem as "good" or "bad," which is why they often use credit scores as well. (Want to know what a good credit score is? This article will explain.)
Too many "hard" checks of your credit can ding your score. For example, if you apply for several credit cards at once, several credit inquiries will appear on your report. Too many credit checks (as well as applying for/opening too many accounts) can give the impression that you're a credit risk. Apply for new credit accounts sparingly, to limit the amount of credit checks you may incur.
There are no tricks, or gimmicks. Your score is updated every 14 days, and you can always check it for free. We will never ask for your credit card. We want to help the hardest working Americans (you) understand their credit and to take control of their financial well-being-without making them work harder. That's why we want you to check your credit scores every 14 days without being charged for it. Review your profile now
Having good credit means that you have built a solid credit history by working hard to keep your accounts in good standing – however, there may be a late payment or two somewhere in your past. Things happen sometimes, but they are nothing you can't handle. You might have had a collections account reported, but you've paid it. And you know you have some extra credit card debt, but you've made strides to get it under control.
Like credit builder loans, secured credit cards are an easy way to build or rebuild credit history. The application process is the same, but secured credit cards require a deposit between $50 and $300 into a separate account. The bank then issues a line of credit that is typically equal to the deposit, allowing you to build a credit history without putting the lender at risk.
How it works: You can add your teen as an authorized user to your account by logging in to your online account or calling the number on the back of your card. The information required typically includes their name, birthday and SSN. After adding your teen as an authorized user, they will receive their own card that is linked to your account. They can use their card to make purchases just like you would.
Members of the 850 Club can be broken into two groups. There are the super-knowledgeable tacticians trying to crack scoring algorithms, and the naturally prudent. Some are prepping for a loan. Others are just credit-score hobbyists. Paul Chua, 40, who works at San Carlos, Calif.-based Helix, a startup focused on personal genomics, is one of the tacticians.
Hi Jenny, Doing a soft credit check, such as just pulling your credit score with Credit Sesame, does not impact your credit score. On the other hand, if you are doing a hard credit inquiry, such as applying for a loan, that can slightly reduce your score. Renting an apartment for some credit bureaus would have an effect on your score, while others would not considerate it.
Get a free copy of your credit report every four months. You can receive a free copy of your credit report from each bureau every 12 months. Since there are three bureaus, you can stagger your requests to receive a report every four months so you have better access to recent information. It's easy to keep track of which bureau you use and when you need to request another free report – just set up calendar reminders on Google Calendar, MS Outlook, or another calendar system.
Risks: While a secured card can be a great way for your teen to build credit, there are a few potential risks. If your teen misses a payment or pays late, they will incur a late payment fee. Plus, they will also be charged interest on any balances that remain after their statement due date. That's why it's key to inform your teen of good credit practices, such as paying on time and in full each billing cycle. Autopay is a great feature that can help your teen avoid missed payments and interest charges.
You do, if your name is on a credit account and the credit issuer reports to a credit bureau. A "credit account" means something that must be repaid, like a loan or credit card. Adults who don't have traditional credit accounts likely don't have credit reports. And minors likely won't have a credit report unless they're authorized users on an adult's credit card.
While the FTC has tried to increase transparency, some websites offering "free" credit scores have found a way around those rules. If a website asks for your credit card before providing a score, expect to find a fee on your bill before too long. Of course, since there are resources to see this data for free, that's probably where you should start your search.
In today's banking environment, the decision to offer you a mortgage or grant you a credit card sometimes comes down to one simple thing: your credit score. Based on information in your credit report (no, they are not the same thing), this numerical rating provides an easy way to assess your risk of defaulting on a loan. No wonder, then, that consumers are eager to find out their score – and if possible, for free.
Bankrate.com is an independent, advertising-supported publisher and comparison service. Bankrate is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website. This compensation may impact how, where and in what order products appear. Bankrate.com does not include all companies or all available products.
Under the Fair Credit Reporting Act, a consumer is entitled to a free credit report (but not a free credit score) within 60 days of any adverse action (e.g., being denied credit, or receiving substandard credit terms from a lender) taken as a result of their credit score. Under the Wall Street reform bill passed on July 22, 2010, a consumer is entitled to receive a free credit score if they are denied a loan or insurance due to their credit score.[28]
In India, there are four credit information companies licensed by Reserve Bank of India. The Credit Information Bureau (India) Limited (CIBIL) has functioned as a Credit Information Company from January 2001.[13] Subsequently, in 2010, Experian,[13] Equifax[14] and Highmark[15] were given licenses by Reserve Bank of India to operate as Credit Information Companies in India.
To make things more complicated, the FICO scores you see are not the same ones that lenders see, although they are very similar. All FICO scores are based on a scale ranging from 300 to 850, with a higher number representing a better score. If you want the most accurate idea of what your credit score is, you should look at all three of your FICO scores -- one from each of the three credit bureaus (Experian, TransUnion, and Equifax).
The system of credit reports and scores in Canada is very similar to that in the United States and India, with two of the same reporting agencies active in the country: Equifax and TransUnion. (Experian, which entered the Canadian market with the purchase of Northern Credit Bureaus in 2008, announced the closing of its Canadian operations as of April 18, 2009).
With the increase in financial crime, such as identity theft, it's wise to check your credit history at least once a year. You can obtain a free copy of your credit report once every 12 months from each of the three nationwide consumer reporting agencies: Equifax, Experian, and TransUnion. To order your free annual report, go to annualcreditreport.com, call 877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, PO Box 105281, Atlanta, GA 30348-5281.
While late credit card and mortgage payments are also starting to tick up, Zandi believes those measures "are simply returning to historical norms." Looser underwriting and hard-hit consumers in energy patches like Texas and the Dakotas are driving some of that. But there's a third possible explanation: The weakening predictive power of credit scores as consumers learn how to game the system.
When you make a purchase through the Site, we may collect your credit card number or other payment account number, billing address and other information related to such purchase (collectively, "Payment Information") from you. However, purchases using our mobile applications may require the use of your mobile phone's default payment processing application.


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John Leech (politician)
John Sampson Macfarlane Leech[1] (born 11 April 1971,[2] Wakefield, West Yorkshire) is a British Liberal Democrat politician who is currently Leader of the Opposition on Manchester City Council. He was the Member of Parliament for Manchester Withington from 2005 to 2015. He was one of two Lib Dem MPs to vote against entering Coalition in 2010.
John Leech
|Member of Parliament
for Manchester Withington
|In office
5 May 2005 – 30 March 2015
|Preceded by
|Keith Bradley
|Succeeded by
|Jeff Smith
|Leader of the Opposition on Manchester City Council
|Assumed office
3 May 2018
|Preceded by
|Simon Wheale (2014)
|Member of Manchester City Council for Didsbury West
|Assumed office
5 May 2016
|Preceded by
|Carl Ollerhead (Lab)
|702 (16.09%)
|Member of Manchester City Council for Chorlton Park
Barlow Moor (1998–2004)
|In office
7 May 1998 – 8 May 2008
|Preceded by
|Arthur Maloney (Lab)
|Succeeded by
|Bernie Ryan (LD)
|892 (30.8%)
|Personal details
|11 April 1971
Wakefield, West Yorkshire, England
|Political party
|Liberal Democrat
|Alma mater
|Brunel University
Leech served on the city council from 1998 and was elected to the House of Commons in the 2005 general election. In the 2005–2010 Parliament he was a member of the Transport Select Committee and a Shadow Transport Spokesperson on the Liberal Democrat frontbench team in 2006. He held his seat with an increased majority in 2010. He has campaigned in particular on gay rights, affordable housing and refugees.
He was described as the 'architect' of Alan Turing's pardon in 2013[3] after running a high profile campaign and submitted several bills to parliament. He was instrumental in the campaign to introduce safe standing,[4] outlaw homophobic chanting at football matches[5] and put pressure on leaders in Greater Manchester to take on Syrian child refugees.[6]
He lost his Parliamentary seat at the 2015 General Election but was elected to Manchester City Council a year later as the sole opposition member. He is now Leader of the Opposition on the 96-member council.
Early lifeEdit
Leech grew up in Chorlton-cum-Hardy, where his father was a minister at Chorlton Methodist Church. He attended Manchester Grammar School, Loreto College and Brunel University where he studied History and Politics and also joined the Liberal Democrats. He received an Upper-Second Class Honours degree on graduating. After leaving university he worked as a trainee manager for McDonald's and part-time at the RAC in Stretford as a call centre insurance claims handler.
Political careerEdit
Leech was elected to Manchester City Council in 1998 winning the Barlow Moor ward from Labour with a 12% swing.[7] He was re-elected in 2002, increasing his majority.[8] In 2004, the whole council was contested due to boundary changes and Leech won a seat for Chorlton Park, which covered most of the former Barlow Moor ward area. He became the deputy leader of the council's opposition group and spokesperson for Planning and the Environment.[9]
First term (2005–2010)Edit
Leech was elected to parliament at the 2005 general election, defeating Keith Bradley, the incumbent Labour MP, with a swing of over 17% – the largest swing in the country that year. He was the first Liberal or Liberal Democrat to win a Manchester seat since 1929.
In 2006, Leech was the Shadow Transport Spokesperson on the Liberal Democrat frontbench team. He continued in the role under Nick Clegg. He was the first Patchwork MP of the Year for his "tireless work with minority and ethnic groups" and Brake's MP of the Year and MP of the Month twice, for work on road safety in his constituency.[10]
In the 2009 expenses scandal, it was revealed that Leech claimed one of the lowest levels of expenses of any MP in the North of England.[11] He completed more than 111,000 pieces of casework during his ten years in parliament.[12]
Second term (2010–2015)Edit
Leech was re-elected in the 2010 general election, increasing his majority by three percentage points, and defeating future Labour MP Lucy Powell.
During his second term, Leech rebelled against the party line on several occasions. He was one of only two Liberal Democrat MPs to vote against entering the Coalition, and was one of 21 MPs to vote against the increased tuition fees bill.[13][14] Leech also voted against the under-occupancy penalty (commonly called the 'bedroom tax'),[15][16] and against a pay rise for MPs in 2013.[17] In early 2015, an article in the Manchester Evening News revealed that Leech was the second most rebellious MP in the North of England.[18]
In early 2015, he launched his re-election campaign, with the slogan 'Make it 15'.[19] Amid a UK-wide collapse in support for the Liberal Democrats, Leech lost his seat to Labour.[20]
After Parliament and re-election to council (2015–2018)Edit
After losing the seat, Leech said he would stand in the Manchester City Council elections in May 2016.[21]
Leech stood in Didsbury West and won the seat from Labour with a 16% swing, picking up 53% of the vote.[22] Didsbury West was the most contested seat in the city with an unusually high turnout of 45%. The Manchester Evening News described the result as "historic", signifying the first gain for any party in Manchester other than Labour for the first time in six years and providing the city with its first opposition for two years.[23] The leader of the Liberal Decmorats, Tim Farron, hailed Leech's win, saying that "Nobody fought harder this year and nobody deserves to celebrate more today than John Leech and his team." He was the only opposition member of the 2016–18 council, with Labour holding 95 of the 96 seats.
Leader of the Opposition on Manchester Council (2018–present)Edit
In 2018, Leech launched the Liberal Democrat 'Manchester Together' campaign and manifesto.[24]
During the election campaign, the Manchester Labour Party attacked the Lib Dems for one of their campaign films which they claimed was "tasteless" and "immoral".[25] The film showed young children watching TV and reacting to controversial news headlines, including the then-recent comments about women made by Withington councillor Chris Paul. Local and national media picked the video up with some claiming it was "something you'd expect to see in the 2020 Presidential campaigns in the US, not Manchester's council election."[26] A spokesperson for the Manchester Liberal Democrats defended the film, dismissing claims it was controversial and that it was instead, "an uncomfortable truth about Manchester Council."[27]
Leech was re-elected to Manchester City Council in May 2018, topping the ballot and increasing his share of the vote to 55%.[28] Lib Dem leader Vince Cable personally commended Leech for a "fantastic campaign".[29] He was selected as Leader of the Opposition. [30]
In 2018, Leech marked 20 years in elected public office. Lib Dem leader Vince Cable personally congratulated Leech on his "unparalleled 20 years in public service and extraordinary dedication to Manchester and its residents."[29]
In 2005 Leech campaigned for the Metrolink tram system to come through his constituency.[31] In 2012 it began running through south Manchester, terminating at East Didsbury.[32][33]
Leech campaigned to reduce the stake on fixed odds betting terminals (FOBTs) from £100 to £2.[34][35] The issue received cross-party support and was supported by campaign groups including Stop The FOBT's.[34] A bill he introduced to have the Statuary Instrument (SI) reduced to £50 FOBT threshold in February 2015 was defeated.[36]
For many years Leech campaigned against homophobia and for same-sex marriage. In 2013, he ran a campaign calling for homophobic chants at football matches to be outlawed.[37][38] Leech has been described as the architect of the campaign to pardon Alan Turing[3] who was convicted of homosexuality and later committed suicide.[39] He submitted a bill calling for a formal pardon, and at the UK premiere of a film based on Turing's life, The Imitation Game, the producers thanked him for bringing the topic to public attention and securing Turing's pardon.[40] His campaign then turned to acquiring pardons for the 75,000 other men convicted of the same crime.[41] Leech said it was "utterly disgusting and ultimately just embarrassing" that the conviction was upheld as long as it was, and celebrated the posthumous pardon.[42][43] Leech's campaign gained public support from popular physicists such as Stephen Hawking.[44] In November 2018 after The Bank of England invited members of the public to vote on which figure should appear on the new £50 note, Leech said it should be Alan Turing so as to "serve as a stark and frankly painful reminder of what we lost in Turing" [45]
Leech led a campaign for safe standing at football matches.[46] Standing had been banned in English football's top two divisions following the Taylor Report into the 1989 Hillsborough Disaster. Leech told the Commons that clubs should be allowed to install 'rail-seating' allowing supporters to stand with the option of sitting down following the lead of countries including Germany, Austria and Sweden that operate safe standing.[46][47][48][49]
Leech campaigned to remain during the 2016 EU referendum.[50] In a TV debate against Chris Green, Leech claimed he didn't want "any Brexit" and claimed the Government's deal had become a "shambles."[51]
On 5 October 2016, Leech revealed that Manchester had not accepted any refugees under the Government's 2015 resettlement scheme due to disagreements with funding. He accused the council of being "sickeningly shallow"[52] and demanded it commit to housing 50 Syrian refugee families and as many unaccompanied Syrian refugee children as possible. The council was vague in its response but said 'Manchester would play its part.'[53]
Leech has criticised the city council's attitude towards homelessness.[54] In October 2016 he accused the Labour group of playing political football with the lives of Manchester's homeless.
In January 2017, Leech revealed statistics about the number of sexual attacks linked to the dating apps Tinder and Grindr.[55][56] In March he called on the council to implement 'Ask for Angela', a scheme to help people get out of uncomfortable situations in bars and pubs[57] to which the council agreed.
In September 2017, Leech launched a Manchester-based campaign to tackle what he described as an "appalling" rise in homophobic and transphobic bullying in local schools.[58]
In September 2017, Leech released a report on homophobic and transphobic bullying in Manchester's schools. It revealed that incidents had doubled in the last two years. [59] Speaking at the Liberal Democrats conference, he said 'We have absolutely no right to claim we live in a decent society when this kind of behaviour is still rife in our schools.' [60] 17 schools refused to take part in his report which he criticised as a 'worrying lack of transparency'. Leech pledged to work with schools, LGBT+ groups and called on both Manchester Council and the UK Government to work harder to 'stamp out the deplorable behaviour'. [61]
Also in September 2017, Leech delivered a speech at the Liberal Democrats Conference in which he called on the Government to take a more proactive role in youth crime. [62] He criticised Government cuts [63] but also spoke of the need for police to become role models in their communities and "completely immerse themselves in their communities to really get to know local people and earn their trust." [64] Leech worked with youth charity Kids Count to work to a solution. [65]
In October 2018, Leech uncovered a history of legal, ethical and worker safety controversy surrounding the two companies shortlisted for a £330m contract to renovate Manchester's Town Hall. [66] [67] He said that "Under absolutely no circumstances" should Lendlease ever be considered for a council contract again until they paid a £3m Grenfell-style cladding bill in the Green Quarter of Manchester. [68] In January 2019, Lendlease was announced as the winner of the contract. [69] Leech criticised the decision and said it showed a lack of concern for local people. [70]
Personal lifeEdit
Leech is an amateur dramatics enthusiast with Manchester Road Players. He is a football supporter and season-ticket holder at Manchester City F.C. and was a member of the Parliamentary Football team.[71][dead link] He is often described as "one of the most sassy" politicans and was voted Lib Dem Sassiest MP in an online poll. [72]
In November 2016 police investigated a number of "very serious" threats directed at Leech on Twitter. He was advised not to post his schedule publicly and to temporarily pause his advice surgeries. [73]
During the 2017 General Election police investigated a number of theft and intimidation reports. [74] Incidents included people who had been driving around the Manchester Withington constituency, in which Leech was standing, in balaclavas breaking onto the property of Lib Dem supporters. [75] The activists boasted about stealing garden posters on Twitter, publicly planned where to target next and posed in pictures with the posters in balaclavas. [76] The events happened just days after a terrorist targeted the Manchester Arena. [77]
- ^ [1][dead link]
- ^ "John Leech". BBC. Archived from the original on 2007-10-21. Retrieved 2007-10-02.
- ^ a b "Alan Turing's official homosexual court files go on display". Out News Global. 2016-09-24. Retrieved 2017-06-18.
- ^ "Safe standing just 'months away' as John Leech throws weight behind new campaign. - Manchester Gazette | Manchester's Newspaper". Manchester Gazette | Manchester's Newspaper. 2017-09-17. Retrieved 2018-06-24.
- ^ "Early day motion 1265 - HOMOPHOBIC CHANTING AT FOOTBALL GAMES". UK Parliament. Retrieved 2018-06-24.
- ^ "Manchester hangs head in shame on #WorldRefugeeDay says Manchester politician - Manchester Gazette | Manchester's Newspaper". Manchester Gazette | Manchester's Newspaper. 2018-06-20. Retrieved 2018-06-24.
- ^ "Manchester's Web Site – Local Elections '98". Web.archive.org. Archived from the original on 14 June 1998. Retrieved 18 June 2017.
- ^ "Manchester City Council, Elections, Chorlton Park Results 2004". Web.archive.org. Archived from the original on 18 June 2004. Retrieved 18 June 2017.CS1 maint: BOT: original-url status unknown (link)
- ^ "Who's Who – John Leech MP". Liberal Democrats. Archived from the original on 17 September 2008. Retrieved 11 September 2008.
- ^ http://www.libdems.org.uk/ (29 November 2015). "Awards & Accolades". Liberal Democrats.
- ^ Limited, Mesmotronic. "Find out what your UK MP's been claiming for at MPsExpenses.info".
- ^ "Half of Manchester residents ignored by their local MP". 7 November 2016.
- ^ http://www.codecomputerlove.com/, Code Computerlove -. "Lib Dem MPs who kept the pledge against tuition fee increases".
- ^ "Lib Dem MP John Leech's speech opposing tuition fee plans". 9 December 2010 – via The Guardian.
- ^ "General Election 2015: Greater Manchester's key constituencies". BBC News.
- ^ http://www.libdems.org.uk/ (1 April 2015). "Did you vote in favour of the 'bedroom tax'?". Liberal Democrats.
- ^ "MPs' pay rise: what does your MP say?".
- ^ Fitzgerald, Todd (13 January 2015). "Revealed: Greater Manchester's most rebellious MPs".
- ^ "Manchester, Withington". UK Polling Report. Retrieved 2017-06-18.
- ^ Jennifer Williams (2015-05-08). "Election 2015: Did John Leech win Withington?". Manchester Evening News. Retrieved 2017-06-18.
- ^ Fitzgerald, Todd (9 July 2015). "Ousted Withington MP John Leech plans return to council – and Parliament". Manchester Evening News. Trinity Mirror.
- ^ "Local Election – May 2016 Results". manchester.gov.uk. Manchester City Council.
- ^ Fitzgerald, Todd. "Manchester local election results 2016: John Leech ends Labour's total grip on the town hall". Manchester Evening News. Trinity Mirror. Archived from the original on 17 August 2016.
- ^ http://www.libdems.org.uk/ (2018-04-23). "Manchester Together: Our Plan". John Leech. Retrieved 2018-07-11.
- ^ "WATCH: Have the Lib Dems taken it too far with their latest campaign film?". 30 April 2018.
- ^ "Opinion: Liberal Democrats' new Manchester campaign video takes it too far and makes them look desperate - Mancunian Matters". www.mancunianmatters.co.uk.
- ^ "Opinion: Liberal Democrats' new Manchester campaign video takes it too far and makes them look desperate | Mancunian Matters". www.mancunianmatters.co.uk. Retrieved 2018-07-11.
- ^ "John Leech re-elected in double win for Lib Dems". 4 May 2018.
- ^ a b "John Leech re-elected in double win for Lib Dems - Manchester Gazette | Manchester's Newspaper". Manchester Gazette | Manchester's Newspaper. 2018-05-04. Retrieved 2018-07-11.
- ^ http://www.libdems.org.uk/ (2018-08-07). "About". John Leech's Manchester Liberal Democrats. Retrieved 2018-10-24.
- ^ http://www.libdems.org.uk/ (29 June 2015). "Transport". Liberal Democrats.
- ^ "MP confident Metrolink expansion will go ahead". BBC News.
- ^ Kirby, Dean (15 May 2013). "Didsbury village traders' delight at early opening of Metrolink tram line".
- ^ a b "Lib Dem call to cut the stake on FOBTs to £2 a spin". Stop the FOBTs. Retrieved 2017-06-18.
- ^ "Subscribe to read". Financial Times.
- ^ "The FOBT debate – it reduces to this!". PoliticsHome.com. Retrieved 2017-06-18.
- ^ "Lib Dem MP highly commended for campaign to stop homophobic chants at football matches".
- ^ "John Leech tables parliamentary motion about homophobic chants at football matches".
- ^ Stevenson, Alex. "Better late than never, Alan Turing is finally pardoned".
- ^ "My proudest day as a Liberal Democrat".
- ^ http://www.libdems.org.uk/ (27 June 2015). "Justice with Turing". Liberal Democrats.
- ^ "MP calls for pardon for computer pioneer Alan Turing". BBC News.
- ^ "Lib Dem MP John Leech: 'Alan Turing's contribution to Manchester was enormous'".
- ^ "Alan Turing".
- ^ "Turing on £50 note will be painful reminder of what we lost" - About Manchester". About Manchester. 2018-11-02. Retrieved 2018-11-02.
- ^ a b Keegan, Mike (16 December 2013). "South Manchester MP leads football safe standing calls".
- ^ staff, Guardian (22 August 2014). "Lib Dems propose plans for safe standing at Premier League grounds" – via The Guardian.
- ^ http://www.libdems.org.uk/ (15 October 2014). "Safe standing would cut the cost of football – John Leech MP". Liberal Democrats.
- ^ correspondent, Richard Conway BBC Radio 5 live sports news. "Safe standing: Lib Dems make 2015 General Election pledge".
- ^ Todd Fitzgerald (2016-06-11). "Lib Dem leader urges Mancunians to vote to stay in the European Union". Manchester Evening News. Retrieved 2017-06-18.
- ^ "John Leech and Chris Green clash over Brexit - Manchester Gazette | Manchester's Newspaper". Manchester Gazette | Manchester's Newspaper. 2018-07-16. Retrieved 2018-07-16.
- ^ Todd Fitzgerald (2016-10-05). "Calls for Manchester to take on 50 Syrian refugee families while leaders fight for fair deal". Manchester Evening News. Retrieved 2017-06-18.
- ^ "Manchester yet to accept a single Syrian refugee". 7 November 2016.
- ^ Pete Bainbridge (2016-12-11). "Manchester council branded 'shameless' after spending thousands on designer chairs for library". Manchester Evening News. Retrieved 2017-06-18.
- ^ Office, Press (2017-01-17). "Former Manchester MP declares war on dating apps after uncovering 'distressing' rise in related sexual assaults". Johnleech.org.uk. Retrieved 2017-06-18.
- ^ Woodley, Emma (2017-01-18). "Former Manchester MP 'Declares War' On Tinder & Grindr Over Safety Concerns". Global Dating Insights. Retrieved 2017-06-18.
- ^ Beth Abbit (2017-03-22). "The code-word that could help if you are feeling threatened during a date". Manchester Evening News. Retrieved 2017-06-18.
- ^ "Homophobic bullying on the rise in Manchester schools". ITV News.
- ^ https://www.gaystarnews.com/article/lgbtphobic-bullying-doubles-manchester/
- ^ "Homophobic and transphobic bullying on the rise in Manchester's high schools". ITV News.
- ^ "Homophobic bullying in Manchester schools doubles in just two years". 19 September 2017.
- ^ "John Leech calls for crackdown on Youth Crime". 19 September 2017.
- ^ "Yellow News Media Monitoring Suite - [Transcript]". yellownews.tveyes.com.
- ^ "Yellow News Media Monitoring Suite - [Transcript]". yellownews.tveyes.com.
- ^ http://www.johnleech.org.uk/crackdown_on_youth_crime
- ^ Office, Press. "UNCOVERED: Manchester Town Hall's £330m shortlisted contractors DROWNING in legal, ethical and worker safety controversy". John Leech's Manchester Liberal Democrats.
- ^ "Calls for Lendlease to be suspended from lucrative Council contracts after Cladding debacle". 3 October 2018.
- ^ "Local politician rails against council's contractors". www.theconstructionindex.co.uk.
- ^ January, 8; Price, 2019By David. "Lendlease lands £330m Manchester Town Hall deal". Construction News.
- ^ "Place North West - Lendlease beats Laing O'Rourke to Manchester Town Hall contract". 7 January 2019.
- ^ Leech, John. "Frequently Asked Questions". Official website. Archived from the original on 7 September 2008. Retrieved 2008-10-25.
- ^ https://thetab.com/uk/manchester/2017/06/06/battleground-withington-manchester-students-comprehensive-guide-election-28812
- ^ Fitzgerald, Todd (7 November 2016). "Police investigate after councillor threatened with violence on Twitter". men.
- ^ "Labour-supporting 'thugs' accused of stealing Lib Dems signs in Manchester dressed in balaclavas". The Sun. 1 June 2017.
- ^ "guido fawkes balaclava - Google Search". www.google.co.uk.
- ^ "PressReader.com - Connecting People Through News". www.pressreader.com.
- ^ "Fire chief blames police over bomb delay". 20 August 2018 – via www.bbc.co.uk.
External linksEdit
- John Leech official constituency website
- Profile at the Liberal Democrats
- Profile at Parliament of the United Kingdom
- Contributions in Parliament at Hansard 2010–present
- Contributions in Parliament during 2006–07 2007–08 2008–09 2009–10 at Hansard Archives
- Voting record at Public Whip
- Record in Parliament at TheyWorkForYou
- Profile at Westminster Parliamentary Record
|Parliament of the United Kingdom
|Preceded by
Keith Bradley
| Member of Parliament for Manchester, Withington
|Succeeded by
Jeff Smith


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Bangladesh Shishu Academy
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বাংলাদেশ শিশু একাডেমী
Bangladesh Shishu Academy (Bengali: বাংলাদেশ শিশু একাডেমি) is the national academy for children in Bangladesh. It was established in 1976 for promoting cultural development of children, and nurturing their talents.[1][2]
List of Chairpersons[edit]
Shishu Academy Award[edit]
- Agrani Bank Shishu Academy Children's Literature Award
- Bangladesh Shishu Academy Award for Literature. The Academy adorns one Bangladeshi litterateur with the award for his/her overall contribution in the field of juvenile literature. The award was introduced in 1396 BS (1989 Gregorian). A poet or a litterateur is entitled to this award once during his lifetime. No provision is made for giving the award posthumously. The awardee is entitled to an amount of taka twenty five thousand in cash, one crest and a certificate of honour.
- Agrani Bank Award for Juvenile Literature is given to an individual for outstanding juvenile book or illustration in a particular year. It was given in four major branches such as: Chhora, Kobita o Gan (Rhyme, poetry and song), Angkan (Illustration), Galpo, Uponnash, Rupkatha (Short story, novel and fairy tale), and Shyastho, Biggyan o Projukti (Health, science and technology). Before introducing Bangladesh Shishu Academy Award in 1396 BS, this was the major national award for children's literature.
See also[edit]
- ^ "Meena day calls for birth registration for all girls and boys". UNICEF. Retrieved 2009-10-08.
- ^ "Bangladesh Shishu Academy" (PDF). Minister for Women and Children Affairs, Republic of Bangladesh. Retrieved 2009-10-08.
External links[edit]
- Bangladesh Shishu Academy Official website
- Article on Shishu Academy, Banglapedia


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Top Choice Ristorante in Skiathos Town
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Excellent thin-crust pizza twirled in the air is just the beginning at this popular spot above the old port. Fresh pasta, fine meat and fish grills in a colourful setting under the mulberry tree: look out for the br…
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Bakaliko Restaurant
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Fasoulas Grill House
Fasoulas translates roughly as 'beanpole' in Greek, a bit of humour from the proudly short owner. But the portions are big, with great souvlakia (cubes of meat on skewers) and gyros (meat slithers cooked on a vertic…
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Grill House Aura
Locals call this popular old-port eatery Chicken George. You'll find generous portions of chicken, lamb and pork on-the-spit, with everything from generous gyros (meat slithers cooked on a vertical rotisserie; usual…
Taverna in Skiathos Town
O Batis
This popular fish taverna on the path above the old port is a local standby for reliable and well-priced fresh fish, gavros (a marinated small fish), and fine mezedhes (appetisers). Cosy atmosphere and a good select…
Taverna in Skiathos Town
Taverna Hellinikon
Opposite the church above the old port, little Hellinikon is a mother-and-daughter affair, with well-prepared taverna standards like slow-roasted lamb. Good house wines, along with live Greek music on summer evening…
Mediterranean in Skiathos Town
Elegant restaurant on upper Papadiamanti combines traditional Greek and Mediterranean flavours, from baked feta and wild greens to veal ragout and seafood pasta. There's also a solid Greek wine list on hand.


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"Logan is a wonderful lady and is great with animals of all kinds but especially dogs. She is kind and gentle and patient. She always has the dogs best intere... (more)"
Home full time- long walks
Johnson city, TN, 37604
Dog Boarding, House Sitting, Drop-In Visits, Doggy Day Care, Dog Walking
"Absolutely is a wonderful human being and took amazing care of my four dogs. Sitted for a entire week, made sure to keep me posted with how things were goin... (more)"
Rover also offers dog walking in:
|Akard Addition, TN
|Arcadia, TN
|Bloomingdale, TN
|Blountville, TN
|Boring, TN
|Bruno, VA
|Hiltons, VA
|Ketron, VA
|Maces Spring, VA
|Walnut Hill, TN
What if you're a dog lover who's looking for dog walking jobs? You'll want to check out our information about how to become a dog walker. We're always excited to add new dog walkers to our dog walking service, and our process makes it simple to get your own dog walking business up and running. When you become a Rover dog walker, you benefit from great features including premium pet insurance, a third party background check, and our cashless payment feature for ease and peace of mind. Why not sign up today?
When you book dog walking services on Rover, you'll be able to connect with a dog walker who's a good fit for you, your dog, and your lifestyle. Your walker can provide dog walking updates with start and stop times, a map of their walk with total distance, info about pee, poo, food and water breaks, and photos of your dog in action. Every walk booked through Rover also includes premium pet insurance, 24/7 support, and a reservation guarantee.
If you need to book a great dog walker on the go, you'll love the Rover dog walking app. You can browse hundreds of pre-reviewed, trusted dog walkers in minutes from your phone, and rebook your favorite walker with just a few taps. You'll get photo updates from your dog walker which can be shared via the Rover dog walking app in real time. The app's cashless payment feature allows you to pay your dog walker easily and securely - no cash, checks, or tips.
Speaking of payment, the cost of dog walking in Harrtown, TN may surprise you - in a good way. That's because there's a dog walker on Rover for nearly every price range and lifestyle. Curious about how much you can expect to pay for dog walking on Rover? Check out our average dog walking rates to get an idea before you start a conversation with an individual dog walker.
When you need dog walking services in Harrtown, TN, you'll be amazed at how easy it is to find the ideal dog walker with Rover.com. We take the guesswork out of selecting the perfect Harrtown dog walking services for your needs. The dog walkers listed on Rover have been reviewed and approved, and - most importantly - they love dogs. In fact, 95% of reviewed stays and walks have a perfect five-star rating. When a dog walker in Harrtown, TN joins our site, they complete a background check. You'll be able to see that they've passed the background check when you view their individual dog walker profile. No matter what level of support you're looking for, you're sure to find a great fit for all your dog walking needs in Harrtown, TN with Rover's dog walking services, whether it's a one-time emergency or a daily appointment.
In short, when you use Rover to find a dog walker in Harrtown, you can rest easy knowing that your dog is having a great time.


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Published in The Music (NSW, VIC, QLD) and on theMusic.com.au, Jan 2014
Their 15th anniversary coinciding with Soundwave, caffeinated Bayside frontman Anthony Raneri tells Daniel Cribb where a lot of new bands go wrong.
"This is my proudest moment in Bayside; more than any tour we've ever done, more than any TV appearance or any sort of big headline achievements," frontman Anthony Raneri begins, on the band's 15th anniversary. "What I'm most proud of is, when we first started this band we wanted to be like Bad Religion, we wanted to be like NOFX, we wanted to be like the bands we looked up to, which were the bands that stuck around. Being able to last as long as we have, and the fact that our tours are the biggest they've ever been, the newest record is our best selling one, is amazing."
To celebrate, Bayside are embarking on a world tour that kicks off at Soundwave. "Smashing Pumpkins and Soundgarden are bands I've been listening to since junior high school, so it's kind of cool to see my career go to a place where I get to play shows with those guys."
Realising they have dedicated fans that look up to them in a similar way, Bayside began offering tickets to shows that included a 45-minute hangout with the band in their tour bus. "We learned that usually people don't know what to say, so it took us a couple of times of sitting there in silence. We try to steer the conversation, and it is fun. We offer everybody drinks, coffee; it's just like hanging out."
Not just any coffee: Bayside have a blend crafted after their latest record, Cult. An independent coffee company in Seattle called Anchorhead came to a show, gave them coffee and, after Bayside fell in love with the taste, things began to snowball. "I've always wanted to do it but thought it was impossible; it just seemed like the kind of thing that would be pretty hard to make. It's not like getting a T-shirt printed. We thought we'd reach out to them and see if they'd ever consider doing a branded roast, and they loved the idea. It is its own roast – the Cult blend."
The longevity of the band stems from their relentless work ethic. Before they signed to a label to release debut album, Sirens And Condolences, back in 2004, they'd already been touring and self-releasing EPs for five years. "I think a lot of bands, when they first sign or make their first record, they feel like they've arrived. They get a record deal and feel like it's the finish line, and for us, we knew we wanted to be around for a long time; we knew we wanted a legacy.
"When we were making our first record we weren't thinking, ''Wow, we've made it,' we were thinking it was the first of many and all that work we did before was just warm up, like, 'This is where everything starts, and we're going to be talking about it ten years from now.' I haven't accomplished nearly everything I want to, but I've seen that I'm doing the things right. I'm proud of who I am, I'm proud of what I've done."


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Dumpster Rental Strongsville, OH
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We are always available to help
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Next-Day delivery of your dumpster
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Can I haggle to get a better price?
Dumpster rental firms normally have set costs, but the fine art of negotiation is always in play. Should you want to dicker on the purchase price, call around to other firms first so you understand what the going rental rate is. When you're speaking to the company you would like to use, simply mention other costs which are better than theirs. Some firms will not only fit that lower cost, they are going to really conquer it to suit their customers.
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What is the biggest size dumpster available?
The biggest roll-off dumpster that businesses normally rent is a 40 yard container. This gigantic dumpster will hold up to 40 cubic yards of debris, which is comparable to between 12 and 20 pickup truck loads of debris.
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When you make arrangements to rent a dumpster in Strongsville, part of your rental agreement comprises a specified duration of time you are permitted to use the container. You generally base this time on how long you think your project might take. The larger the job, the longer you'll need the dumpster. Most dumpster rental businesses in Strongsville give you a speed for a certain amount of days. If you exceed that quantity of days, you will pay an extra fee daily. In case the job goes more rapidly than expected, you may be finished with the dumpster earlier than you anticipated.
If this really is true, give the dumpster business a call and they will likely come pick your container up early; this will allow them to rent it to someone else more quickly. You generally will not get a discount on your own rate should you ask for early pick up. Your rental fee includes 7 days (or whatever your term is), whether you use them all or not.
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One of the greatest concerns you probably have when renting a dumpster in Strongsville is how much it'll cost. Among the very best methods to negate this fear would be to have exact information. When you call to get a price quote, have a good idea of just how much waste you will need to get rid of so you can get the best recommendation on dumpster size. In the event you're unsure on the quantity of waste, renting a size bigger will save you the extra expense of renting another dumpster if the first proves too small.
Provide any information you think is important to make sure you do not end up paying for services that you do not actually desire. More than a few companies charge by the container size, while others charge by weight. Make sure you know which is which so you've a clear estimate. Likewise, be sure to request whether the estimate you receive comprises landfill costs; this is going to keep you from being surprised by an additional fee after.
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How far in advance do I need to reserve my dumpster?
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Two or three days notice is normally sufficient to ensure your dumpster delivery in time. Keep in mind that the busiest days tend to be on Mondays and Fridays (surrounding the weekend), so when you can plan your job for the middle of the week, you have a better chance of finding the dumpster you need.
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40 yard dumpster measurements
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A 40 yard container will hold between 12 and 20 pickup truck loads of debris. Examples of the amount of waste and debris that could fit in this container contain:
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What's the Difference Between a Roll Off and Front Load Dumpster?
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A front load dumpster has mechanical arms that that lift containers off the earth. The arms tilt to pour the debris into the truck's dumpster. This is a helpful option for businesses that amass considerable amounts of garbage.
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Factors which affect the price of the container contain landfill fees (higher in some places than others) and the size of the container you choose. You also need to consider transport costs and the type of debris you will be setting into your container.
Price quotes for dumpster rental in Strongsville commonly contain the following: the size of the container, the type of debris involved, the base price for the dumpster, how much weight is contained in the estimate, a specified rental period and delivery and pickup fees.
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Dumpster Rental Companies Near Strongsville
|Company Name
|Crete-Busters Concrete Demo
|(513) 271-4226
|Dayton Dumpster Rental
|(888) 252-4947
|The Ohio State University
|(614) 688-4636
|Burgett Roll-Off Services
|(330) 627-0086
|Wolford's Rolloff Inc
|(330) 530-3200
|Affordable Roll-Off Inc
|(440) 417-1561
|Allen County Recyclers
|(419) 223-5010
|Columbus Dog Waste Removal
|(614) 670-9133
|Westside Towing
|(440) 231-8114
|K Ti Container
|(330) 929-9393
Our Service Area
Zip Codes in Strongsville44136 44149
Dumpster Learning Center
Other Cities We ServiceDumpster Rental Bloomingburg
Dumpster Rental Burghill
Dumpster Rental Melmore
Dumpster Sizes Available Strongsville
Get started in less than 60 seconds. Pick up the phone and get a quote now!
10 Yard
Great for small projects
- 12 feet long
- 8 feet wide
- 4 feet tall
20 Yard
For moderate sized cleanouts
- 22 feet long
- 8 feet wide
- 4.5 feet tall
30 Yard
All around good dumpster size
- 22 foot long
- 8 feet wide
- 6 feet tall
40 Yard
For the largest projects
- 22 foot long
- 8 feet wide
- 8 feet tall
*Dimensions & availability may vary by location. Call to confirm.
Thousands of satisfied customers
We take pride in providing our community with great prices and excellent customer service on dumpster rentals. Join thousands of others and get the dumpster you need, for the price you deserve!
We accept
All major credit cards accepted for dumpster rentals in Strongsville.