Can Using the Public Library Help My Credit Score? – Episode #45

Using the library can save you money and that can help your credit score. We discussed how it can hurt your score earlier, but you can use the library to save money.

The public library system has really benefited from the evolution of the internet. Email alerts, DVDs, cds, and networked branches are just a few of the key features.

In the video, I walk through the San Francisco public library’s website. The site is a bit slow, but it is completely searchable and features books, cds and dvds. If something is anywhere in the San Francisco library system, I can order it and it will be shipped to my nearest branch. I get notices when it’s arrived at my branch and they hold it for a few days. I can even request an item for a specific date range, so my requests don’t come all at once. I get notices when I’m about to be late, not when I’m late, when I’m about to be late. Imagine that. For adults 64 and under the fine is 10¢ per day per book or CD; except for videos/DVDs which are $1.00 per day. For adults 65 or older, the fine is 5¢ per day per book or CD; except for videos/DVDs which are $1.00 per day. There is a maximum fine of $5.00 on any item.

If you are like me, and you hadn’t checked out your public library in over 10 or 20 years, it’s time to check it out.