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Alerts

FDA warns consumers about caffeine powder. 

FDA advises consumers to stop using any supplement products labeled as OxyElite Pro or VERSA-1. Please see the following advisories: FDA -10/08/13, FDA - 10/11/13 and CDC - 10/08/13.

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Announcements

New article on reporting side effects of supplements
Just published in The New England Journal of Medicine: A recent article brings up dietary supplement issues you need to be aware of and discusses how dietary supplement side effects could be monitored better. A PDF of the April 3rd article is available free online.

3rd International Congress on Soldiers’ Physical Performance
August 18-21, 2014
The ICSPP delivers innovative scientific programming on soldiers’ physical performance with experts from around the world.

DMAA list updated for April 2014

Fueling Performance Photo Campaign
Share photos of how you fuel your performance and be featured on our Facebook page!

Dietary supplement module
Earn continuing education credits (if eligible) for this two-hour online module.

Operation LiveWell

Performance Triad

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Filed under: Credit

Credit reports: friend or enemy?

Filed under: Credit, Finances, Money
 Money difficulties can be stressful. One of the ways to reduce your stress is to learn about your credit reports and how they can help you.

One of the top personal sources of stress for Warfighters (according to a 2011 DoD survey) is money. Not enough money, not enough savings, or a bad credit history—all contribute to financial stress. For information and ideas on budgeting and saving money, check out this recent HPRC article. Another tool in your financial arsenal is the credit report. But first: What is a credit report?

A credit report is simply a record of your credit history. It includes your name, social security number, home address, credit cards, loans, collections, open amounts (how much you owe), and whether you have paid your bills on time (if late, it shows how late: 31-45 days past due, 46-60 days past due, etc.). In fact, you have more than one credit report; there are three major ones, so you need to pay attention to them all.

It’s important to have good credit reports—they have the information businesses look at to determine if they want to do business with you. This means if you apply for a credit card or loan, (1) are you worthy to get credit; (2) if you qualify, then what would the interest rate be; and (3) for an interest-free credit card or loan, what would the payback period be.

A number of businesses look at your credit reports: credit card companies, banks, mortgage lenders, cell phone companies, and even your insurance company. Employers can look at your credit history as well, but they must ask for your permission first.

It’s important to look at your credit reports for accuracy, especially with identity thefts, and to review the list of open credits that you may no longer use. Open credit is open credit—it can limit you in the long run because creditors know you have open lines of credit to use. The great news is that you can ask for a free credit report every 12 months from each of the three major companies, thanks to the Fair Credit Reporting Act (FCRA). Visit the Federal Trade Commission’s (FTC) website to see how to get your free credit reports.

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