By Ramona Herrera, State Farm Agent

There are two big myths about renters insurance. One is that it's too expensive and the other is that it’s not needed.

Not having renters insurance is a pretty big gamble, considering that without it you face the cost of replacing your personal belongings after an event such as fire or theft. What's more, you could face the prospect of defending yourself in a lawsuit because of some accident for which you might be held legally responsible, whether it happened where you live or somewhere else.

Kern Central Credit Union celebrated the Grand Opening of the third branch on Thursday, September 18 at 9860 Brimhall Road, on the corner of Brimhall and Calloway in The Park business complex.

The new branch offers personal, lending and business financial services, along with an array of automated services such as walk-up, drive-up and walk-in ATM’s, a self-serve coin machine, remote tellers and in-lobby online banking kiosks and safe deposit boxes.

Kern Central Credit Union chartered in 1974 is open to all Kern County residents.

For information on Kern Central Credit Union contact Patti Robertson-Panduro, Communications Manager at 661-431-1832.

By Connie Hinojos, Credit Consultant

Credit scores generally range from the mid 300s to the mid 800s. The following table will give you a general idea of what your score tells lenders, but remember there are no set rules. Different products and lenders use different guidelines for what is an acceptable score.