onpchtv

Bump in the road

2010-02-05T17:31:00.000-08:00

Broken water main does a number on Rambla Pacifico Street in Malibu (some explicit language by OnPCHtv.com reporter, David Garrett)

Remember, there's always a new and easier way

2009-12-29T16:15:00.000-08:00

Siana shows us that we should never forget there is always a new way to approach a problem

Warren the Ape does the surf report for Malibu

2009-12-25T13:31:00.000-08:00

Warren the Ape checks out the surf for Malibu

Beau and Bre report on the surf in Malibu

2009-12-03T19:16:00.000-08:00

Beau Garrett and Bre Blair report on the surf in Malibu

Beau Garrett's solution to a cell phone swim

2009-12-02T17:27:00.000-08:00

Too windy but Beau's tip is too good to miss!

King Kameamea does the Surf Report from Pipeline!

2009-11-11T11:44:00.000-08:00

Exclusive interview and surf report with King Kameamea from Pipeline on the North Shore of Hawai'i

Malibu Chili

2009-11-01T16:31:00.000-08:00

Randi's Malibu Chili

Surf Report for Sunday, November 1

Get The Scanner!

2009-10-21T16:51:00.000-07:00

David Shares a Great Site

DJ does the surf report

2009-10-18T17:59:00.000-07:00

Live from Silverlake with a slight view of Surfrider Beach

2009-10-14T18:07:00.000-07:00

Live, from Boston, MA the surf and pasta report from Siana Meisel!

How Safe is Your Identity?

2009-09-29T08:59:00.000-07:00

If you haven't had your identity stolen yet consider yourself lucky. Are you doing some simple things to make it harder for someone to steal from you? Take the quiz and see! Click http://www.box.net/shared/d89zth141q

David

Tim and Nora's Excellent Surf Report

2009-09-27T18:06:00.000-07:00

Live from a garden and pastry party in Hollywood (somewhat near PCH)

Madison Hildebrand with the surf report and real estate news

2009-09-22T12:02:00.000-07:00

Madison Hildebrand, live with the Malibu Surf Report

Surf Report with Guest Reporter Bre Blair

2009-09-16T11:56:00.000-07:00

Threshers and great whites and giraffes, oh my!

Kick some sand

2009-09-14T18:14:00.000-07:00

Credit Scores – What you need to know…. First in a series so you can kick sand in your bank’s face!

If you are going to improve your credit score, then logic has it that you must understand what your credit score is and how it works. In general, your credit score is a number that lets lenders know how much of a credit risk you are. The credit score is a number, usually between 300 and 850, that lets lenders know how well you are paying off your debts and how much of a credit risk you are.

Not only lenders – did you know that insurers and employers rely on these scores to set rates and say “yes” or “no” to coverage or a job offer?

In general, the higher your credit score, the better credit risk you make and the more likely you are to be given credit at great rates. Scores below 660 will often give you trouble in finding credit (or a much higher rate), while scores of 740 and above will generally give you the best interest rates out there.

The credit score is based on your credit report, which contains a history of your past debts and repayments. Each credit bureau uses different methods to do this (which is why you will have different scores with different companies) but most credit bureaus use the FICO score (from Fair Isaac Corporation)

Credit reports are put together by credit bureaus, which use information from client companies. It works like this: credit bureaus have clients - such as credit card companies and utility companies, to name just two - who provide them with information.

Once a file is begun on you (i.e. once you open a bank account or have bills to pay) then information about you is stored on the record. If you are late paying a bill, the clients pass that information to the credit bureaus. Any unpaid bills, overdue bills or other problems with credit count as “dings” on your credit report and affect your score.

Information such as what type of debt you have, how much debt you have, how regularly you pay your bills on time, and your credit accounts are all information that is used to calculate your credit score.

Your age, sex, and income do not count towards your credit score. The actual formula used by credit bureaus to calculate credit scores is a well-kept secret, but it is known that recent account activity, debts, length of credit, unpaid accounts, and types of credit are among the things that count the most in tabulating credit scores from a credit report.

WATCH OUT: A common mistake is to close a zero balance credit card account to improve your score. If you have had the account a long time and always paid on time, closing it will lower your score.

QUESTIONS? ASK DAVID GARRETT

Off to Africa

2009-09-07T12:31:00.000-07:00

David goes to the source to find out the real story

Labor Day surf report

2009-09-07T11:06:00.000-07:00

David reports from the beach on Labor Day 2009

Garrett Hedlund on giraffes

2009-09-03T12:05:00.000-07:00

Garrett Hedlund on giraffes

Surf report by Beau Garrett

2009-09-03T07:11:00.000-07:00

Guest reporter Beau Garrett with the Surf Report for September 2

3rd Annual Malibu Invitational and Surf Report

2009-08-30T11:51:00.000-07:00

3rd Annual Malibu Invitational and Surf Report
Sponsored by Beau Garrett. 8/30/09

Surf Report for Saturday, August 29

2009-08-29T10:03:00.000-07:00

CLICK to hear the report for Saturday, 8/29/09

Surf Report August 28

2009-08-28T07:49:00.000-07:00

CLICK TO HEAR Surf Report, Carbon Beach, Malibu 8/28/09

2009-05-10T14:52:00.000-07:00

The 2009 Los Angeles Revlon Run Walk to support the fight for cures for women's cancer finds Beau Garrett finishing in the top field of runners. LA County Firefighters welcome her!