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Feds break up Chicago’s Head Start monopoly, sparking fresh change

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The federal government will break up Chicago’s monopoly on $145 million for Head Start programs — the last “supergrantee” among large cities in the U.S.— and divvy up about $95 million to five community organizations, including one led by former Illinois First Lady Diana Rauner. City Hall will hold on to $51.8 million of the grant.

It remains to be seen whether the change will yield stronger competition, higher quality programs, and more seats for children under 5 in the neighborhoods that need them — or create confusion on the ground.

Chicago’s shrinking oversight role is the second major early learning change under Mayor Lori Lightfoot’s watch and has prompted vast reshuffling of early learning programs. The city will go from managing 40 programs that serve 8,000 children to 14 that enroll fewer than 3,000. Twelve organizations, including the YMCA of Metropolitan Chicago, could lose Head Start funding as of Aug. 1.

Two community organization heads said hundreds of children enrolled in programs that lost funding may need to be enrolled elsewhere, but City Hall officials said it was too soon to confirm that number.

Between children aging out for kindergarten and families moving out of Chicago during the pandemic, the city’s Department of Family and Support Services is still trying to assess the number of children impacted, Commissioner Brandie Knazze told Chalkbeat on Tuesday. She said a transition plan is in the works.

“We are working through understanding what the impact of the changes will be, but there’s no loss to the city of Chicago as a whole,” said Knazze. “This funding is just being redistributed among five grantees, and we are committed to working with them.”

The five new “delegate” agencies say they plan to boost salaries and benefits, do more for parents and grandparents, extend after care and evening programs, and step up marketing and outreach. Enrollment of young children plummeted during the pandemic and not just in the public school system. Across Illinois, only one in five centers was operating at 80% capacity or better toward the end of last year.

“We have a big job around us around reengaging and recruiting new families,” said Claire Dunham, the senior vice president of programs and training at Start Early, one of the five community organizations that received a chunk of the Chicago grant.

Pandemic-related enrollment declines and staffing churn hit Chicago’s early learning system hard, and even then, some programs were struggling. In 2019, the city held a grant competition and, while several new centers picked up public funding, other stalwart community organizations lost out. Some closed classrooms; others closed their programs entirely.

Chicago, meanwhile, was under federal scrutiny after safety problems were reported in centers in 2019 and 2020. The U.S.Department of Health and Human Services said last year that it intended to rebid Chicago’s Head Start grant..

Until this month, Chicago’s City Hall steered the bulk of the federal dollars that flow here for thousands of low-income children, giving the city an advantage when it rolled out universal pre-kindergarten. The grant changes will not impact the universal preschool rollout, now largely being driven by the school district.

Immediately, the changes also will boost the number of seats for low-income infants and toddlers, said Knazze — an outcome advocates had been pushing for as more preschool classrooms opened in public schools.

Under the break-up, six groups including the city will call the shots on early learning, not just one. The fate of the centralized early learning application preschool families are supposed to use as a one-stop shop for applications also remains unclear.

“There are a lot of unknowns currently,” Jennifer Alexander, the mayor’s director of early learning, acknowledged. “But we are continuing to work with our public and private partners to leverage our relationships.”

Program directors say they hope decentralizing administration will boost experimentation and better outcomes for children. At Start Early, one priority will be studying kindergarten transitions and how to boost “kindergarten readiness.” In recent years, new data showed that only one in four Chicago children show up to kindergarten prepared.

Each of the new federal grantees will oversee a small group of partner agencies. Start Early’s roster will include two charter schools that run preschool programs and kindergartens.

Bela Moté, the CEO of the Carole Robertson Center for Learning, said she’ll focus immediately on doing more to boost salary and benefits for educators and help stem the loss of teachers to the public school district, where pay is on a unionized pay scale.

“We together need to work on a better pipeline for the early childhood workforce. A pipeline that is quite dry — and work to really retain staff and compensate them,” said Moté.

Edgar Ramirez, CEO of Chicago Commons, said his organization is thinking through how to boost parent engagement and invest in programs that support multiple generations, such as credit repair and job training support for parents and grandparents. He’s also ramping up programs for pregnant women.

It will take time to assess the impact of the reshuffle, said Ty Jiles, a professor of early childhood education at Chicago State University.

On her list of burning questions are whether programs will still have the money, and flexibility, to offer extended day care for working parents — and after-care for students who attend school-based preschool programs that end around 2:30 in the afternoon. She also wonders how decisions will be made among the new federal grantees, how they plan to coordinate with the city, and whether there will be transparency about decision-making.

Mostly, though, Jiles is thinking about the children who could be impacted if their centers have to close classrooms. “For a high-risk population, it’s another transition.”

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Can You Buy Crypto With a Credit Card? – MoneyWise.com

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Can You Buy Crypto With a Credit Card?  MoneyWise.com

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Ask Gareth Shaw: ‘I’m scared I’ll get rejected for credit card because of mistakes I made in the past’

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‘Credit-builder’ cards can be used to demonstrate that you are a responsible borrower

Answer: Well done to you for getting back on your financial feet. Climbing your way out of debt is a marathon – it takes sacrifices and planning, so you’ve taken some really important steps in your financial journey.

The good news is that the negative information – the records of missed payments, defaults and even county court judgments – won’t stay on your credit report forever. Details of your late payments can be viewed for six years after they were settled. Searches and rejections of credit typically disappear after 12 months. So this dark cloud won’t hang over you forever.

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Before we talk about applying for credit again, there are steps you can take to improve your credit health. Firstly, you should review your credit reports and make sure there are no errors that could be holding your score back. You can get your credit report for free from each of the three credit reference agencies – TransUnion, Equifax and Experian – and can ask them to investigate errors. Lenders and credit reference agencies have 28 days to respond to disputes.

Registering to vote by getting on the electoral roll can boost your credit score, while you may even be able to add the record of your monthly rent payments to your credit score by asking your landlord to report rental payments to firms like The Rental Exchange, CreditLadder or Canopy.

Experian has launched a new tool that allows you to share information about your banking habits and subscriptions – information which is not traditionally factored into your credit score – in order to increase your score. That means paying your council tax or even paying for Netflix and Amazon Prime could give your score a boost.

If you still want a credit card, your choice is likely to be limited to a particular set of cards designed for people with poor or ‘thin’ credit histories. These are known as ‘credit-builder’ cards, or sometimes ‘bad credit’ cards.

These cards have higher interest rates compared to the most competitive products in the market, to reflect the risk that a lender is taking in by providing credit to someone with a history of repayment problems. You can expect to find an APR of around 29 per cent. They also have lower limits, so when you apply, don’t be surprised to find that the lender will initially only give you £250 to £500.

However, these cards can be used to demonstrate that you are a responsible borrower, can repay on time and stay within your credit limit.

Here’s the golden rule – avoid borrowing money on these credit cards. Purchases tend to be interest-free for 55 days, after which you’ll be charged a considerable amount of interest. So limit the use of these cards, and when you do use them, try to pay them off in full. If you don’t pay on time, you will lose any promotional offer, be hit with a fee and your provider will report your missed payment to the credit reference agencies, reversing any good work you might have done. Set up a direct debit to ensure that your minimum payments are met in advance of the credit card payment date.

When you apply, use an eligibility checker first. This will ask for some basic information and carry out a ‘soft search’ on your credit file, returning a list of cards and the probability of your application being successful. That would be a helpful guide to find a card that is likely to accept you.

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Credit Repair Services Market to Scale New Heights as Market

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Credit Repair Services

Credit Repair Services

A Latest intelligence report published by AMA Research with title “Credit Repair Services Market Outlook to 2026.A detailed study accumulated to offer Latest insights about acute features of the Global Credit Repair Services market. This report provides a detailed overview of key factors in the Credit Repair Services Market and factors such as driver, restraint, past and current trends, regulatory scenarios and technology development. A thorough analysis of these factors including economic slowdown, local & global reforms and COVID-19 Impact has been conducted to determine future growth prospects in the global market.

Free Sample Report + All Related Graphs & Charts @: https://www.advancemarketanalytics.com/sample-report/9361-global-credit-repair-services-market

Definition:
Credit repair services is known as a kind of service to remove negative items from credit reports like late payments, foreclosures, liens, repossessions, and more. Credit repair normally involves fixing the bad credit in any of the way, shape or form. Credit repair is the best option if anyone is thinking about applying for finance in near future. This can make it much easier to attain the loan at the wanted rate. This will also increase the chances of being approved in the first place. The market of Credit Repair Services is mainly driven due to the escalating number of small size and large size organizations, rising focus on the safety & security related to financial documents of the company and strict norms and policies framed by government considering disclosure of the taxation and financial documents considering to the global scenario. Also, Lack of Skilled Professional is hampering the total market growth. Some of the Mandatory Norms & Policies framed by Governments related to the disclosure of Taxation and Financial Documents are creating lucrative growth opportunities for market growth.

Major Players in This Report Include,
Lexington Law (United States),CreditRepair.com (United States),Sky Blue Credit Repair (United States),The Credit People (United States),Experian PLC (Ireland),Ovation (United States),MyCreditGroup (United States),Veracity Credit Consultants (United States),MSI Credit Solutions (United States),The Credit Pros (United States),Pyramid Credit Repair (United States)

Keep yourself up-to-date with latest market trends and changing dynamics due to COVID Impact and Economic Slowdown globally. Maintain a competitive edge by sizing up with available business opportunity in Credit Repair Services Market various segments and emerging territory.

Market Trends:
• Personalization in the Credit Repair Services

Market Drivers:
• A Growing Number of Large Size and Small Size Organizations
• Rising Focus on Safety & Security-Related To Company’s Financial Documents

Market Opportunities:
• Mandatory Norms & Policies Related To Disclosure of Taxation and Financial Documents Creating Lucrative Growth Opportunities

The Global Credit Repair Services Market segments and Market Data Break Down are illuminated below:
by Application (Private, Enterprise), Service Mode (Online, Offline)

Credit Repair Services the manufacturing cost structure analysis of the market is based on the core chain structure, engineering process, raw materials and suppliers. The manufacturing plant has been developed for market needs and new technology development. In addition, Credit Repair Services Market attractiveness according to country, end-user, and other measures is also provided, permitting the reader to gauge the most useful or commercial areas for investments. The study also provides special chapter designed (qualitative) to highlights issues faced by industry players in their production cycle and supply chain. However overall estimates and sizing, various tables and graphs presented in the study gives and impression how big is the impact of PANDEMIC.

Enquire for customization in Report @: https://www.advancemarketanalytics.com/enquiry-before-buy/9361-global-credit-repair-services-market

Geographically World Credit Repair Services markets can be classified as North America, Europe, Asia Pacific (APAC), Middle East and Africa and Latin America. North America has gained a leading position in the global market and is expected to remain in place for years to come. The growing demand for Credit Repair Services markets will drive growth in the North American market over the next few years.

Report Highlights:
• Comprehensive overview of parent market& substitute market
• Changing market dynamics in the industry (COVID & Economic Impact Analysis)
• In-depth market segmentation (Trends, Growth with Historical & Forecast Analysis)
• Recent industry trends and development activity
• Competitive landscape (Heat Map Analysis for Emerging Players & Market Share Analysis for Major Players along with detailed Profiles)

Strategic Points Covered in Table of Content of Global Credit Repair Services Market:
• Chapter 1 – Executive Summary
• Chapter 2 – COVID-19 Impacts on Credit Repair Services Market
• Chapter 3 – Credit Repair Services Market – Type Analysis
• Chapter 4 – Credit Repair Services Market – Application/End-User Analysis
• Chapter 5 – Credit Repair Services Market – Geographical Analysis
• Chapter 6 – Credit Repair Services Market – Competitive Analysis
• Chapter 7 – Company Profiles
• Chapter 8 – Credit Repair Services Industry Analysis
• Chapter 9 – Industrial Chain, Downstream Buyers, and Sourcing Strategy
• Chapter 10 – Marketing Strategy Analysis
• Chapter 11 – Report Conclusion and Key Insights
• Chapter 12 – Research Approach and Methodology

Buy this research @ https://www.advancemarketanalytics.com/reports/9361-global-credit-repair-services-market

Key questions answered
• Who are the Leading key players and what are their Key Business plans in the Credit Repair Services market?
• What are the key concerns of the five forces analysis of the Credit Repair Services market?
• What are different prospects and threats faced by the dealers in the Credit Repair Services market?
• What possible measures players are taking to overcome and stabilize the situation?

Thanks for reading this article; you can also get individual chapter wise section or region wise report version like North America, Middle East, Africa, Europe or LATAM, Asia.

Craig Francis (PR & Marketing Manager)
AMA Research & Media LLP
Unit No. 429, Parsonage Road Edison, NJ
New Jersey USA – 08837
Phone: +1 (206) 317 1218
[email protected]

About Author:
Advance Market Analytics is Global leaders of Market Research Industry provides the quantified B2B research to Fortune 500 companies on high growth emerging opportunities which will impact more than 80% of worldwide companies’ revenues.
Our Analyst is tracking high growth study with detailed statistical and in-depth analysis of market trends & dynamics that provide a complete overview of the industry. We follow an extensive research methodology coupled with critical insights related industry factors and market forces to generate the best value for our clients. We Provides reliable primary and secondary data sources, our analysts and consultants derive informative and usable data suited for our clients business needs. The research study enables clients to meet varied market objectives a from global footprint expansion to supply chain optimization and from competitor profiling to M&As.

This release was published on openPR.

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