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Easiest Credit Cards to Get After Bankruptcy

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There’s nothing fun about declaring bankruptcy, but those who emerge from it can be thankful for the opportunity to rebuild their personal finances without the burden of debt. Unfortunately, bankruptcy also does damage to your credit, making it difficult to get approved for credit cards and other lines of credit. Since credit cards are a good way to build or rebuild credit, we have the details for some credit cards to get after bankruptcy.

Secured Credit Cards

Secured credit cards generally have lower credit score requirements and often can be obtained post-bankruptcy. While they do require an upfront security deposit to open, they otherwise work just like traditional credit cards and can help you rebuild your credit. When choosing a secure credit card, look for one that lets you build toward unsecured credit status and reports to all three credit bureaus so it helps you positively impact your credit.

Credit Cards for Bad Credit

Secured credit cards are often considered bad debt credit cards because they’re targeted to people with poor or no credit. But you can also find credit cards that are approved for people with less-than-stellar credit and don’t require a security deposit. In return for the chance to get positive reporting on your credit report via one of these cards, you might have to pay an annual fee or deal with a high interest rate.

Credit Card for After Bankruptcy

There’s no single best credit card to get after a bankruptcy, but there are many options to consider. Carefully review the details of relevant credit card offers before making a decision for yourself.

OpenSky® Secured Visa® Credit Card

  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card

Get everything you need to master your credit today.

Get started

Annual Fee: $35

APR: 17.39% (variable)

Why we picked it: This card helps you build credit while still offering a fairly low interest rate and a refundable deposit for as little as $200 (some restrictions apply; see cardholder agreement for details).

The details: There is no credit check necessary to apply, and you can apply in less than 5 minutes. Your responsible use of the card is reported to all three credit bureaus each month. And when you need extra credit, you may be eligible for a credit line increase.

Drawbacks: There is an annual fee, which isn’t necessarily bad in exchange for building credit.


First Progress Platinum Elite Mastercard® Secured Credit Card

  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Full-Feature Platinum Mastercard® Secured Credit Card
  • Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 — $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file
  • Nationwide Program though not yet available in NY, IA, AR, or WI * See Card Terms.

Annual Fee: $29

APR: 19.99% Variable APR for Purchases

Why we picked it: With responsible use, this card can be a good place to start working to rebuild your credit. There is no minimum credit score required for approval, and it also reports to all three credit bureaus each month.

The details: You can secure your credit line by putting down a fully refundable deposit of $200 to $2,000 during the application process. When you pay off your balance, you can receive your deposit back. Its expedited processing option lets you receive your card more quickly, and you can apply in minutes with no negative impact to your credit score.

Drawbacks: While the APR isn’t super high for a bad-credit credit card, it’s still high enough to run up hefty interest charges. You’ll want to pay the balance off as often as possible to avoid that extra expense. The card is not yet available in all states.


Milestone® Unsecured Mastercard®

  • Easy pre-qualification process which does not affect your credit score
  • Choice of card image at no extra charge
  • Less than perfect credit is okay, even with a prior bankruptcy!
  • Mobile friendly online access from anywhere
  • Accepted nationwide, wherever Mastercard is accepted
  • Unsecured credit card, no deposit required
  • Protection from fraud, if your card happens to be lost or stolen

Annual Fee: $35 – $99*

APR: 24.90%

Why we picked it: It is possible to be approved with poor credit and a bankruptcy on your credit report, but you don’t have to start with a security deposit. Plus, you can choose your card image at no extra charge!

The details: Prequalification doesn’t require a hard credit inquiry, so you can find out if you’re a likely candidate for this card without impacting your credit. You can access your account via mobile to manage it, helping you stay on track with positive payment history and balance management, and the card comes with decent fraud protection.

Drawbacks: The annual fee can be pretty high depending on the terms you’re approved for. The interest rate is also fairly high, so you might not want to carry over large balances between statements.


Indigo® Mastercard® for Less than Perfect Credit

  • Less than perfect credit histories can qualify, even with prior bankruptcy!
  • Choose your card design with chip technology at no additional cost
  • Quick pre-qualification available with no impact to your credit score
  • Easy pre-qualification process with fast response
  • 24/7 access to your account, even on mobile!
  • Protection from fraud, if your card happens to be lost or stolen
  • Accepted nationwide wherever Mastercard is accepted

Annual Fee: $0 – $99*

APR: 24.90%

Why we picked it: You can prequalify for this card without impacting your credit, and there’s no security deposit required.

The details: The APR is fairly steep, so you probably want to limit what balances you carry over each month. How much the annual fee is depends on your credit profile. However, it doesn’t require a security deposit.

Drawbacks: A potentially high annual fee and less-than-stellar APR make this a potentially expensive way to build credit.


  • No deposit required
  • No penalty APR
  • No hidden fees
  • Fast and easy application process
  • Help strengthen your credit history with responsible use
  • Disclosure: If you are charged interest, the charge will be no less than $1.00. Cash Advance Fee: The greater of $10 or 3% of the amount of the cash advance
  • Avant branded credit products are issued by WebBank, member FDIC

Annual fee: $39

APR: 25.99% (variable)

Why we picked it: There’s no deposit required, no penalty APR, and no hidden fees.

The details: What you see is what you get with this card. With responsible use, you can strengthen your credit history.

Drawbacks: There is an annual fee and the variable APR can be a bit steep. You may also need fair credit to qualify.


Surge Mastercard® Credit Card

  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere that Mastercard® is accepted
  • Free online account access 24/7
  • Checking Account Required

Annual fee: See Terms*

APR: See Terms*

Why we picked it: All credit types are welcome to apply, and the pre-qualification process won’t impact your credit score.

The details: Surge can be used anywhere Mastercard is accepted. , and the card reports to all three major credit bureaus.

Drawbacks: You need a checking account to apply. Because the card is specifically for people with less-than-perfect credit scores, interest rates and terms may be a bit high.


How to Choose a Credit Card After Bankruptcy

After a bankruptcy, improving your finances and rebuilding your credit should be a priority. Do some research and pick a credit card that helps you achieve that goal. If you feel that you can’t responsibly manage credit right now, you should wait until you’re in a better place to submit a credit card application.

Since secured credit cards require an upfront security deposit, you’ll need to determine how much money you can afford. Most secured cards will give you a credit line that equals the amount of your original deposit.

While high APRs and annual fees are common with all of these credit cards, you should compare rates across several cards to find the ones that are best for your spending habits.

Some cards for bad credit are designed to exploit people using unfair terms or policies that make it difficult to rebuild your finances. You may even start receiving multiple credit card offers in the mail after your bankruptcy is discharged. Watch out for red flags to avoid getting burned.

And remember: A credit card can only build credit if you use it correctly. You should keep your credit card balance below 30% of the available credit limit and make all your payments on time to help build your credit.

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Bad Credit

How to Increase Your Credit Limit

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Applying for a new credit card might seem like the perfect solution when you want to manage your spending in a way that works for you.

Be it an intro 0% APR that you’re after, or just more generous rewards on purchases, credit cards let you buy now and pay later, helping you take control of big projects like home renovations and even everyday spending.

As convenient as credit cards are, however, there’s no guarantee that you’ll be approved for the credit limit you want. It can be a let down to submit an application only to receive a credit limit that’s lower than your expectations, and worse — it can put your goals up in the air.

On average, consumers who open a store card may only receive a limit between $2,000 to $2,500, and it can be below $1,000 in some cases, according to Equifax’s Credit Trends report. The average credit limit for general-use cards was higher, averaging between $5,000 to $6,000, but that can still be low for your needs.

Creditors look at a host of factors when deciding your limit, including their assessment of your credit risk, your income level, your credit score and issues they see on your credit report such as high revolving credit card balances, recent inquiries or large loan amounts.

But they take into account a few completely independent factors, too, like how well the economy is doing at the time you applied. There’s no way to predict exactly how much you can expect to be approved for.

It can be disappointing to get a low credit limit, but you’re not entirely without options. After a few months, consider asking for a credit limit increase on your new card, or you can request a higher limit on a card you’ve had for a while.

Here’s a breakdown on how credit limit increases work and how you can request one.

How credit limit increases work

How to ask for a credit limit increase

When you’re ready to ask for a credit limit increase, you’ll have the option of completing the request online or over the phone. You can submit the request via your card issuer’s mobile app or by logging into your online account.

Another option is to call customer service and ask for an increase. This option gives your request a personal touch and allows you to explain your reasoning why you need a larger credit limit and give reassurance that you can repay it. Discussing a recent raise or a longstanding, positive relationship can help strengthen your chances of getting an increase.

Requesting a credit limit increase may ding your credit score a few points if the card issuer pulls your credit report. It’s key to check the online form or ask the rep if your credit report will be reviewed.

Before starting your request, gather this information:

  • Annual income
  • Employment status
  • Monthly housing payments (rent or mortgage)
  • Desired new credit limit, which some issuers let you input during the request

You can typically expect to receive an instant decision on whether your credit limit increase is approved or denied.

If your request was denied, you may need to wait up to six months to try again. While you wait, aim to raise your credit score through on-time payments and boost your income, so you can strengthen the chance you get approved next time. You can also improve your credit score through free services like Experian Boost™, which allows you to get credit for on-time phone, utility and streaming service payments.

Experian Boost™

On Experian’s secure site

  • Cost

  • Average credit score increase

    13 points, though results vary

  • Credit report affected

  • Credit scoring model used

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the CNBC Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.

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How to Buy a House With Bad Credit: Guide for 2021

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Our goal is to give you the tools and confidence you need to improve your finances. Although we receive compensation from our partner lenders, whom we will always identify, all opinions are our own. Credible Operations, Inc. NMLS # 1681276, is referred to here as “Credible.”

Having bad credit makes it harder to get a mortgage. A low credit score makes you look riskier to lenders; it suggests you might be financially unstable or unwilling to repay your debts.

A poor score, however, can also simply be the result of not knowing how the scoring process works or having gone through a brief rough patch that required you to take on debt.

If you think you’re ready for homeownership despite your bad credit, here’s what you need to know:

What counts as a bad credit score?

How do you know if your credit is bad? Once you know your score, see where it falls in the ranges below:

  • Poor (less than 640): Lenders consider borrowers in this credit score range to be high risk. Having poor credit means you probably won’t qualify for a conventional mortgage, but you might be able to get a government-backed home loan.
  • Fair (640 to 699): Lenders see borrowers in this credit score range as less risky. You might have less debt or a stronger payment history than borrowers with poor credit. You can qualify for a conventional mortgage with fair credit, but you might need to be stronger in other areas to make up for it, and you could be saddled with a higher mortgage rate.
  • Good (700 to 749): With good credit, you’ll have a much easier time qualifying for a mortgage and getting a low interest rate. You’ll probably secure offers from more than one lender.
  • Excellent (750 and above): An excellent credit score demonstrates your ability to manage debt. You consistently make your payments on time and don’t use too much of your available credit. Combined with a steady income, you’ll qualify for a mortgage from multiple lenders and have the luxury of choosing the least expensive option.

While potential borrowers with poor credit will find it challenging to get a home loan, it can be done. You just need to learn about the options available and how lenders will look at your application.

Find Out: 800 Credit Score Mortgage Rate: What Kind of Rates Can You Get?

Credit score needed to get a mortgage

While your credit score is an important factor in your home loan eligibility, it’s not the only one. Here’s what else lenders care about:

  • Down payment: Depending on the loan and the lender, you’ll need a minimum of 0% to 5% down.
  • Debt-to-income ratio: Typically, you want a debt-to-income ratio of 36% or less when applying for a mortgage. In most instances, it can’t total more than 45% to 50% of your income.
  • Cash reserves: You might need up to six months’ worth of mortgage payments in the bank with a low credit score and/or low down payment.

Minimum credit score by loan type

Loan type
Description
Min. credit score
ConventionalA home loan not insured by the federal government620
FHAGovernment-insured mortgage for borrowers with low credit scores580
(with 3.5% down; 500 with 10% down)
VAGovernment-backed mortgage for military service members (including qualified reservists) who meet length and character of service requirements, and their unmarried surviving spousesNone
(though individual lenders might impose limits)
USDAGovernment-insured home loan for low- and very-low-income applicants in eligible rural areasNone

What having bad credit means for your mortgage rate

The lower your credit score, the higher your mortgage rate, all else being equal. If you have poor credit, expect to pay at least 1.5% more than someone with excellent credit.

The result will be a higher monthly mortgage payment and a higher long-term borrowing cost.

Assuming you’re able to secure a loan with bad credit, you won’t necessarily be stuck with the same rate forever. It might be possible to refinance to a better rate after improving your credit score.

Keep in mind: You’ll have to pay closing costs when you refinance, and if market rates increase, having a higher score might not actually translate to a lower rate.

It’s safer to only take on a mortgage now if you feel confident you can afford it long term, even if you hope to refinance or sell your home in a few years.

Learn More: What Is a Mortgage Rate and How Do They Work?

How to get a mortgage with bad credit

You might already be able to get a mortgage despite your bad credit. For example, if your score is at least 580, you can put down just 3.5% and get an FHA loan.

However, working to improve your score and other aspects of your finances gives you more options and can save you money. Follow the steps below to increase your chances of getting a mortgage:

1. Keep an eye on your credit

It’s never been easier to get a free copy of your credit report. You can receive a free copy of your credit report from each of the three national credit reporting agencies at AnnualCreditReport.com.

Tip: Some sites make it look like you need to pay for your report. You don’t. The three national credit bureaus — Equifax, Experian, and TransUnion — are required by federal law to provide you with a free annual credit report.

Analyze your reports to make sure all the information is accurate. If you find a mistake that could be weighing down your score, dispute it with the credit bureau or with the company that reported the incorrect data.

Check your score weekly as well. This allows you to see how your financial activity is affecting your score. If it’s moving in the wrong direction, frequent checks will help you take quick corrective action.

2. Pay your bills on time

Payment history is the most important factor that determines your credit score, making up about 35% of it.

Make sure all your credit card, auto loan, and other debt payments post to your account by the due date to boost this part of your score.

3. Work on paying down debt

How much you owe makes up 30% of your credit score. Specifically, your credit score evaluates your balance relative to your available credit, often referred to as your credit utilization ratio. The lower that ratio, the better.

For example, your score will look better if your balance on a $5,000 credit line is $500 (10% utilization) instead of $2,500 (50% utilization).

If you rack up a high credit card balance one month, try to pay it down before your next statement is issued to keep your credit utilization down on your credit report.

Tip: If you’re looking to improve your credit score, it’s important that you use at least some of your available credit. Low credit utilization impacts your score more positively than 0% utilization.

4. Stay away from hard credit inquiries

Applying for a loan or credit card will usually ding your credit score if the creditor conducts a hard credit inquiry.

Credible lets prospective homebuyers shop for rates without impacting their credit scores. We’ll show you actual, prequalified rates from our partner lenders — our process is secure and simple, and it only takes a few minutes to complete.

Credible makes getting a mortgage easy

  • Instant streamlined pre-approval: It only takes 3 minutes to see if you qualify for an instant streamlined pre-approval letter, without affecting your credit.
  • We keep your data private: Compare rates from multiple lenders without your data being sold or getting spammed.
  • A modern approach to mortgages: Complete your mortgage online with bank integrations and automatic updates. Talk to a loan officer only if you want to.

Find Rates Now

Opening a new account — or closing an old one — will also decrease the average age of your accounts, a factor that accounts for 15% of your credit score.

There are situations, however, where the benefit of applying for new credit might outweigh the impact on your credit score.

One example of this is transferring high-interest debt to a lower-interest card, which could help you pay down debt faster.

5. Consider a rapid rescore

If you’re in a hurry to boost your credit score, a rapid rescore might help. Normally, your credit report and score get updated each billing cycle.

This means that after you pay down a credit card balance, for example, your new credit utilization rate might not be reflected in your score for up to a month.

Rapid rescoring can speed up the change to your credit score. Your lender might recommend it if you’re close to having a good enough score to qualify for a loan or better rate.

Tip: Only your lender can request a rapid rescore; you can’t do it yourself.

Keep Reading: Credit Score Needed to Get a Home Loan

6. Save up for a larger down payment

A larger down payment gives you more skin in the game, which makes you look less risky to lenders. It also means you won’t need to borrow as much.

If your income is too high to qualify for other low-credit-score conventional loan programs such as Fannie Mae’s HomeReady, you may still qualify for a conventional loan with a credit score of 620. You’ll need to put 25% down and your debt-to-income ratio must be 36% or less.

In this case, you won’t have to pay for private mortgage insurance. Your monthly mortgage payment will be smaller and your long-term interest expense will be lower. So, while you’ll pay more up front, you’ll pay less each month and over time.

7. Bring on a co-signer

A co-signer whose credit is better than yours could help you get approved for a mortgage or lower interest rate.

However, they will be taking on a huge responsibility: the obligation to pay your mortgage payments if you default. If they can’t, their credit score will be impacted.

In other words, a co-signer must put their savings and their credit reputation at risk to help you. That’s a big ask.

8. Consider a loan type with less stringent credit requirements

As we’ve noted, FHA loans have low credit score requirements. VA loans and USDA loans technically don’t have a minimum credit score requirement. However, these two loan types do have stricter eligibility requirements:

  • VA loans: Only available to military service members who meet length and character of service requirements, and their unmarried surviving spouses
  • USDA loans: Only available to low- and very-low-income applicants in eligible rural areas

9. Shop around to find the best offer

Even with poor credit, you should shop around to find a great mortgage rate. With Credible, you can check prequalified rates from multiple lenders for free, all on one platform.

You might be eligible for better rates than you think. And if you’re not, you now know the steps to get your score into better shape.

Get started today by checking out the table below, and see what rates you prequalify for from our partner lenders.

About the author

Amy Fontinelle

Amy Fontinelle

Amy Fontinelle is a mortgage and credit card authority and a contributor to Credible. Her work has appeared in Forbes Advisor, The Motley Fool, Investopedia, International Business Times, MassMutual, and more.

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More accountability among council proposals for Akron police

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Akron City Council wants more resources for the city’s only independent police auditor and more public access to police records, from use of force reports to citizen complaints and logs that track the race of everyone stopped by police.

Those are among the recommendations to be released publicly on Monday by council’s special committee on Reimagining Public Safety. Members are trying to answer a community call for a police force that better reflects the demographics and lived experiences those it serves and protects following the police killing of George Floyd in Minnesota last year.

There would be no age limit for police cadets, which the city recently upped from 35 to 40 years. A new “Pathway to Law Enforcement” would ask community and education leaders to steer young adults into careers with the city and the Akron Police Department.

More so than they do now, social workers would help police handle 911 calls involving mental health and addiction. Officers would spend more time walking or biking their beats in an effort to build trust and understanding with the neighborhoods they police.

And council would keep up with the latest in law enforcement technology as city police deploy drones or consider feeding camera footage into crime-solving software that can scan faces and license plates, which would prompt leaders to weigh public safety against personal privacy.

Council President Margo Sommerville will present the full list of recommendations and special committee findings during council’s regular public meeting Monday. The 22-page document is the culmination of 22 subcommittee meetings, each averaging about an hour.

But the report is not the end of the road to “Reimagining Public Safety,” Sommerville explained. The end goal is “more equitable” policing systems and stronger bonds between police and the policed.

As he searches for a new police chief, Mayor Dan Horrigan and his deputy mayor for Public Safety, Charles Brown, express agreement with council in recognizing the best elements of policing in Akron while considering improvements outlined in the listed recommendations.

Next, Sommerville said council will take its newfound knowledge of policing in Akron to the public and rank-and-file officers.

University of Akron President Gary L. Miller said he’s honored and excited that council has asked his faculty and students to develop a community engagement process of surveys and virtual town hall meetings. The information gathering process will solicit feedback from residents, officers and the police union, which as an organization was not given an opportunity to address council’s special committee.

“We know at the end of the day, when we really begin to finalize these recommendations, we’re going to need the Fraternal Order of Police (Lodge #7),” Sommerville said, pinning successful implementation of any reform or enhancement on the commitment of everyone impacted.

FOP President Clay Cozart will see the recommendations Monday. While continuing to disagree with the prominence given to police reform in the wake of Floyd’s death, Cozart said he’s watched every minute of the 22 meetings discussing the work of his members, and he appreciates Sommerville’s willingness to work with the union.

Informed by Akron police officers serving as “liaisons,” the special committee involving every member of council broke out into four working groups.

Police oversight

The Accountability and Transparency group, which met seven times, delved into issues of external oversight, officer discipline and public access to records, drawing on the expertise of police auditors, civilian review board members and national experts on the subject from coast to coast.

Background: Who polices Akron police? Auditor says his office is understaffed, under-resourced

“In our society, we entrust police with the critical responsibility of protecting public safety, including by using force, if necessary,” the working group concluded. “External oversight recognizes that the seriousness of this delegated power requires particular scrutiny in order to ensure that the rights of the public are protected. On both a national and local level, historic injustices have created a trust deficit in how the public, particularly communities of color, interact with law enforcement, and government more broadly. Community trust is essential for effective policing.”

The group settled on two formal recommendations:

  1. Give Akron Police Auditor Phil Young, who answers to the mayor, a role codified in city law with “sufficient authority to access information, adequate staffing and funding and independence from the political process.”
  2. Ensure “that more police data and information is made publicly-available online and updated on a regular basis.”

Prevention

The prevention working group discussed community policing and best practices around responding to mental health, addiction and other 911 calls that can end tragically for officers and citizens.

While identifying funding as the greatest barrier to more robust training, the group recommended that every officer undergo Crisis Intervention Team training. Currently, 76% of officers lack the 40-hour training.

More: Akron’s police chief to retire in 2021

To “help solidify stronger relationships between police officers and the communities they diligently patrol and serve,” the group also recommended more walking and biking for beat cops, something previous councils and mayors have tried to achieve.

The final recommendation recommended a shifting, or at least sharing, of the burden of solving society’s problems, which armed officers encounter daily.

There’s some appetite for the concept, even among officers. Police1, an online source of information and resources for law enforcement, surveyed 4,000 American officers for a special report called “What Cops Want in 2021.” Officers named serving their community as the top reason for becoming officers. They also ranked the types of 911 calls they’d rather see other agencies handle: housing for homeless people (93%), animal control (88%), nuisance abatement (64%), parking enforcement (61%) and dispute mediation (53%), responding to mental health crises (45%) and drug overdoses (29%).

“Throughout our working group meetings, there was a continuing discussion of whether it may be appropriate for social service agencies to respond to some 911 calls relating to mental health or other issues, the idea being that a social service-focused approach might be more effective in some cases, and could also free up APD to focus on issues that clearly need a police response,” the group concluded. “Our APD liaisons made clear that they believe there should be a police response to all calls, as situations are fluid and could endanger non-police responders.”

We also heard from the Police Chief in Alexandria, Kentucky, a small city south of Cincinnati, who described a program in which the department employs two social workers, who follow up on calls (and in some cases respond to calls where the scene is deemed safe).”

The group heard from a Kentucky police chief who sends social workers out on many calls, sometimes without an armed officer. They said Akron, as a community, should involve more social service providers on 911 calls, when “appropriate,” and expand programs where counselors and health professionals follow-up after the fact.

Personnel and culture

A third committee tackled hiring and staffing as commanders must take officers from their patrols to fill specialized units like Neighborhood Response Teams — the backbone of community policing in Akron — or Quick Response Teams that respond to overdoses.

The group recommended more ongoing training and identified potential problems with hiring like not testing for steroids in the screening process because it costs twice as much or disqualifying applicants because they have or lie about a history of bad credit or minor drug offenses.

Background: Akron police force struggles to reflect city’s diversity

To get a more diverse and broader pool of candidates, the group recommended abolishing the current 40-year maximum age for cadets, as other large cities have done.

They also recommended bringing back an Akron Urban League program that prepared candidates for the city’s civil service exam and the creation of a Pathway to Law Enforcement program.

The Pathway program would use neighborhood “figureheads” and public educators to recruit 18 year olds and hold their interest in becoming cops until they turn 21 and are allowed by state law to carry a firearm as a civil servant. For a couple years, they would get city jobs dealing with the public while earning criminal justice credentials through UA or Stark State.

The group added two suggestions: APD should update its mission statement “to include the need for a workforce that reflects community and the need for diversity” and bring in an outside group that would take confidential and “unvarnished opinions” of officers “that could provide constructive feedback for further institutional change.”

Technology and equipment

No formal recommendations, aside from getting a body-worn camera for every officer who interacts with the public, came out of the technology and equipment committee.

More: Akron is ‘Reimagining Public Safety’ with drones, diversity and license plate readers

This last group learned about policing gadgets and systems like unmanned aerial vehicles (drones), “less-lethal” weapons (tear gas, pepper spray, tasers) surplus military rifles and body-worn cameras.

City information technologists informed them of existing software that allows detectives to stake out drug houses or solve crimes by accessing 277 cameras mounted around the city on buildings, lights and traffic poles. The footage is recorded 24/7 and kept for 21 days. And they discussed emergent technology like Briefcam, a program of computer algorithms that scans faces and reads license plates then automatically generates turn-by-turn video of stolen cars or suspects.

“Going forward, it will be important to gauge public opinion about how cameras in public spaces should be used,” the committee cautioned. “With Ring doorbells and other consumer camera systems becoming ubiquitous, it may be that the public is willing to accept greater surveillance by police within public spaces. Still, there should be transparency and clear rules on what is and is not permitted.”

Reach reporter Doug Livingston at dlivingston@thebeaconjournal.co or 330-719-1756

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