http://www.cherokeephoenix.orgCherokee Nation citizen Brian Hartley, an Oklahoma State Bank employee, offers a two-sheet guide that provides a look into credit scores and what they entail. He said it’s important to first know what exactly a credit score is. CREDIT.COM
Cherokee Nation citizen Brian Hartley, an Oklahoma State Bank employee, offers a two-sheet guide that provides a look into credit scores and what they entail. He said it’s important to first know what exactly a credit score is. CREDIT.COM

Credit scores mean more than people realize

Brian Hartley
Brian Hartley
Reporter – @cp_sguthrie
04/20/2017 08:15 AM
MONKEY ISLAND, Okla. – Credit scores act as buffers between consumers and banks or institutions from which they wish to borrow money. Whether it’s for daily items, a car or a house, credit scores play roles in many expenditures, so it’s important to know about them and how they affect consumers.

Cherokee Nation citizen Brian Hartley, an Oklahoma State Bank employee, offers a two-sheet guide that provides a look into credit scores and what they entail. He said it’s important to first know what exactly a credit score is.

“A credit score is a scoring system to let creditors know what type of past history you had,” he said. “Meaning that if you paid on time and have not been in any trouble you’ll have a high score, and it tells creditors like a bank or an institution that the likelihood of this person paying is very high compared to someone who may have a low score. It’s the possibility that the low score is a person that could be very non-paying or late-paying or have some other issues that may have came into their past.”

Hartley said a credit score is determined from various factors.

“It’s anywhere from paying your bills to getting credit lines or getting a car installment payment or any type of other credit out there as well as medical. I mean, your whole life is tied to your credit score almost,” he said.

He said the credit score range is typically between 350 to 850, and Transunion, Equifax and Experian all calculate a score for the consumer, which typically vary but closely reflect each other.

Hartley said when it comes to calculating scores there are various types of credit that come into play – anything ranging from bank and gas cards to personal finance companies loans.

For bank cards, he said consumers would be considered “lowest risk” if they only have two cards.

“So if you have zero cards you’re considered a high risk because you don’t have a line open. If you have one your risk goes lower. If you have two of them it automatically is the lowest risk level that you can get. It’s not lowering your score, it’s just a lower risk,” he said. “As soon as you get three or more then that risk goes up. It’s not helping your score.”

As for travel and entertainment cards, Hartley said, if a consumer has more than one card from this group the consumer is considered “high risk.”

“You have travel and entertainment cards, which is Diner’s card, American Express. If you don’t have one no problem, it’s a neutral zone. If you have just one you’re at a lower risk, but if you have more than one you’re automatically considered high risk,” he said.

He said the same goes for department and gas cards. He said if a consumer has just one loan from a personal finance company the consumer is considered “high risk.”

“Here’s where most people get in trouble – personal finance companies, payday places and other places. If you have one of these open, doesn’t matter just one, you’re automatically considered a high risk. Unfortunately we have a lot of people that go and utilize these companies and they serve a need for several people, but it’s not helping their credit score,” he said.

Hartley said even if the consumer has the suggested amount of credit lines open he or she is considered “high risk” for the first 12 months the credit line is open.

“So once you open it and you’re paying great you’re still considered high risk until one year. After you’ve paid non-stop for 12 months your high risk status goes down to neutral level,” he said.

Hartley said once a credit line is open, if payments are missed it can hurt one’s score.

“Now if you are to hit 30, 60, 90, 120 days (late) or anything else during that time it automatically counts against you and the higher the risk goes,” he said. “Just try to keep those down as low as you can and to zero as much as possible.”

Hartley said if payments are not paid on time or missed completely “derogatory” marks would be on a consumer’s record for “seven years.”

“The seven years don’t start when you start having problems. It’s when the credit line has been resolved in some fashion,” he said.

He said the “seven years” applies to everything except for bankruptcy. “Once it’s (bankruptcy) finalized and they put it on your record, it stays on your credit score for 10 years.”

Hartley said credit scores mean more to consumers than they realize.

“Everyone is looking at them,” he said. “Some people are looking at it for employment or say if you’re renting a apartment. That’s going to be looked at as well. So it’s very important that people pay attention, pay their stuff and not get over extended in credit.”

Hartley said Transunion, Equifax and Experian give consumers free looks at their credit scores annually. He said consumers can also check their credit scores at or

Seven-day Rule

Hartley said when consumers are looking to purchase a car, home or do anything where they need to get their credit checked, it’s best to fit it within seven days.

“In a seven-day period you can go and shop 100 different (car) dealers and have them all pull your credit and everything else and it only counts against your credit score one time,” he said.

Percentage of Credit Used

Hartley said when dealing with lines of credit it’s best to use only 20 to 30 percent of credit that is allotted to the consumer, which is considered “low risk,” and that reaching 70 to 80 percent of credit used could determine that the consumer is considered “high risk.”
About the Author
Stacie Guthrie started working at the Cherokee Phoenix in 2013 as an intern. After graduating from Northeastern State University with a bachelor’s degree in mass communications she was hired as a reporter.

Stacie not only writes for the Phoenix, but also produces videos and regularly hosts the Cherokee Phoenix radio broadcast.

She found her passion for video production while taking part in broadcast media classes at NSU. It was there she co-created a monthly video segment titled “Northeastern Gaming,” which included video game reviews, video game console reviews and discussions regarding influential video games.

While working at the Phoenix she has learned more about her Cherokee culture, saying she is grateful for the opportunity to work for and with the Cherokee people.

In 2014, Stacie won a NativeAmerican Journalists Association award for a video she created while working as an intern for the Phoenix. She was awarded first place in the “Best News Story-TV” category.

Stacie is a member of NAJA. • 918-453-5000 ext. 5903
Stacie Guthrie started working at the Cherokee Phoenix in 2013 as an intern. After graduating from Northeastern State University with a bachelor’s degree in mass communications she was hired as a reporter. Stacie not only writes for the Phoenix, but also produces videos and regularly hosts the Cherokee Phoenix radio broadcast. She found her passion for video production while taking part in broadcast media classes at NSU. It was there she co-created a monthly video segment titled “Northeastern Gaming,” which included video game reviews, video game console reviews and discussions regarding influential video games. While working at the Phoenix she has learned more about her Cherokee culture, saying she is grateful for the opportunity to work for and with the Cherokee people. In 2014, Stacie won a NativeAmerican Journalists Association award for a video she created while working as an intern for the Phoenix. She was awarded first place in the “Best News Story-TV” category. Stacie is a member of NAJA.


11/29/2017 08:15 AM
SALLISAW, Okla. – Cherokee Nation citizen Tyler Choate grew up learning the construction business from his father. He eventually parlayed those lessons into a successful business called TTA Construction. Choate’s construction venture, however, didn’t have an easy start. After the recent economic recession took a toll on his father’s business, he started doing pipeline work. When that didn’t work out, Choate’s first business venture was selling portable buildings, which didn’t last. Being out of business and work, Choate built his way back into the construction world in 2012. He collected tools and equipment to start a business, and the CN’s Tribal Employment Rights Office certified him as a vendor. One of his first jobs was helping construct the South Ridge apartments in Tahlequah. “I literally drove down, walked into the job trailer and ask the guy ‘do you have anyone that’s hanging you all’s dry wall?’” Choate said. While working at the apartment complex, Choate discovered he won a CN contract to hang dry wall in 30 tribal homes. From there, Choate’s business grew. He spent days working jobs and driving to job sites handing out business cards. When he came home, he caught up on paperwork. In the first year, Choate’s business made approximately $50,000. However, it’s doubled in revenue each year since. “The first year I made $50,000 and I’d have to pay people out of that and buy tools. I barely just survived. But I managed to pay my credit card bills that I had taken out to buy tools,” Choate said. “Every year since then we’ve doubled our revenue. So hopefully we can keep doing that.” In 2016, TTA Construction was named the Construction Company of the Year at the tribe’s annual TERO awards banquet. “We’re 100 percent Native American-owned, and I’m pretty proud of being Native American-owned,” he said. “I feel like in this part of the country there’s actually more doors open to me because Cherokee Nation has such a great influence.” Choate said his company in 2016 built 50 CN homes and that it’s built more than 100 homes in the past few years. His business also constructs custom homes. As a construction management business, TTA Construction provides services such as general contracting, design build, pre-construction, sustainable and green construction, facility maintenance, emergency services and repairs and specialty projects. Choate said he wants to grow TTA into a multi-million dollar business and take on entire construction projects. For more information, call 918-773-7127 or visit <a href="" target="_blank"></a>.
11/09/2017 08:30 AM
In the lines of his paintings, Tim Nevaquaya sees the influence of his father, the acclaimed Comanche artist Doc Tate Nevaquaya. Although the elder passed in 1996, he left behind an artistic legacy that runs like a current through his children – almost all artists. To his son, that legacy lives, breathes and still creates. To the average viewer, Tim’s style is nothing like his father’s. But the artist sees Doc’s prints all over it. The traditional forms and the subject matter are his father’s influence, a consequence of learning from an important Native American artists of the 20th century beginning at age 3. Doc surrounded himself with artists. “I started to observe what they were doing and realized from an early age this was what I was going to do for the rest of his life.” As a child, he drew. As he grew older, he became his father’s apprentice. They collaborated on paintings, as the son did background work upon which Doc painted the detail for which he was noted. The elder Nevaquaya practiced a style of painting made prominent by the Kiowa Five artists – a style that depicts images in flat two-dimensional representations using neutral or pastel colors. This approach was called the traditional style, and its practitioners ushered in a new era of Native art. In his early 20s, Tim became serious about his art and looked to his father and other traditional masters for direction. It wasn’t until about 10 years ago that he discovered his own. “As time went on, I started to learn that form of art, but I realized that there was something more to what I was doing,” he says. “…I was doing realistic art, and I came to a point in my art when I was frustrated with what I was doing because there were no real breakthroughs. I was struggling at that time.” While working, he smeared the paint. At the point of correcting himself, Tim smudged the lines on his canvas, curious to see what would happen. “People talk about having a ‘happy accident,’ but to me this far excelled that,” he said. “The more spontaneous I got, it seemed like the painting actually started to improve. I began to realize that something was starting to evolve here. Right there was the beginning of the new revolution, new growth.” It was more than a revolution for an artist who had struggled so long with his work and had hopes to become a full-time artist. It was a revelation. Through this technique, Tim translated the mystery and spiritual power of ceremonial dancers that had fascinated him since his youth. And like the Comanche warriors who painted symbols of the spirit world on their war shields, he was practicing a form of medicine. It’s still good for his soul, he said. “The dance was really mysterious to me. In grade school, my teachers didn’t quite understand the images I was doing. They didn’t realize that I was starting an art career. I didn’t realize it. Today, they’re a primary focus of what I do,” he said. He said people don’t realize the work that goes into being a full-time artist such as designing a pallette, manipulating colors and the prep work. But he said it’s worth it. “I tell a lot of up-and-coming artists that the only way this knowledge will come to you is by being consistent in the work you’re doing. You’ll never have the grand revelation until you start to indulge in what you’re doing, because all you’re doing is learning and learning and learning. I tell them to keep reading, keep searching, be passionate about what it is, and this thing will come alive on you and will help you.” For more information, visit <a href="" target="_blank"></a>, call 580-291-9572 or search Nevaquaya Fine Arts on Facebook.
Reporter – @cp_bbennett
11/07/2017 04:00 PM
CATOOSA, Okla. – More than 100 Tribal Employment Rights Office-certified vendors gathered on Nov. 2 to highlight and grow their businesses at the Engage Expo inside the Hard Rock Hotel & Casino Tulsa. “It’s just a great chance for our TERO vendors and then our Cherokee Nation entities and then some other outside businesses that do minority procurement to come together and show off their business and network with other people,” Stephen Highers, Cherokee Nation Commerce department entrepreneur and development manager, said. To be TERO certified, businesses must be Indian-owned by constituting no less than 51 percent ownership. There are more than 800 TERO-certified vendors. Highers said vendors spanning various businesses come from across the United States to attend the expo, bringing sample products and information. “We have artists in the room that are here today. We have big construction companies. We have small businesses that are in the room, and then we also have a lot of resource partners,” he said. “So we have different Native American tribes here. It’s just kind of a great day to celebrate all that is being a certified Indian-owned business.” Vendors also took part in free workshops on capacity building and received information about bidding on projects with CN and other businesses. The TERO helps businesses working with the CN fill contractor vacancies by referring TERO-certified businesses. In 2017, TERO vendors earned more than $36 million in contracts. “We hope that this whole day is about capacity building and growing their capacity, whether that is networking with another TERO vendor and they form a relationship and now they can grow together, or figuring out how they can get their foot in the door with the federal government or another procurement agency,” Highers said. CN citizen Greg Stice, owner and designer of Cherokee Copper, a jewelry-based business, attended to promote his work as a TERO-certified artist. “I’m proud to be a TERO-certified artist,” Stice said. “It gives credence or credibility out into the world that we are a Native American company, a Cherokee company, and we’re proud of that.” The company is also family owned and operated and uses copper, silver, brass, hemp and deerskin to create each handmade piece. “In Oklahoma everybody thinks silver and turquoise, but that’s Navajo,” Stice said. “Cherokee (art) is simple – the copper, the pearls, the gemstones, the things that are coming from Mother Earth. It’s either under the land, on the land or in the water.” Stice said Cherokee Copper products begin at $20 for items such as earrings and pendants. More intricate pieces can cost upwards of $400 or more. Custom orders can also be placed. Also on site was Cooper Construction owner Brian Cooper, who started his business more than nine years ago at the urging of several co-workers familiar with the TERO program. “TERO has helped me start, and they’ve helped me grow,” Cooper said. “The program has just been great for us. Without TERO, there’s no way we would be where we are today.” Cooper said more than 96 percent of his business comes from tribes that have found him through the TERO, including the CN to work on the Cherokee Casino & Hotel Roland. He encouraged any Indian-owned business to become TERO certified. “It allows me to stay within the tribe and work with our own,” he said. “You just have to ask for help if you need it and don’t panic whenever you see all the paperwork.” For more information about becoming TERO certified, visit <a href="" target="_blank"></a>.
11/03/2017 08:00 AM
TULSA, Okla. – Cherokee Nation citizen Lori Smiley began framing photos and artwork in Houston nearly 20 years ago. After coming back to Oklahoma, she started a business called NDN Custom Frame. After residing in Tahlequah for the past 18 years, Smiley moved her business to Tulsa but keeps her Tahlequah ties and works with customers in the area. NDN Custom Frame is a mobile framing service in which Smiley works with customers in framework customization at their homes or businesses. “We’ve always prided ourselves on customer service, and so we’ve kind of just taken it to that next level. What we do is we actually go to our customers’ homes or our customers’ businesses and we pick up the artwork and we deliver it back to them,” she said. Smiley said a customer might show a piece of artwork or a paint chip to help match the framework within their home or business. “What we do is we actually go to their home so that we actually get to see the surroundings that it’s going to be hanging in, so that we can get an idea about their style before we actually choose the frames. I usually give them about three or four selections of samples. If they like one of those and we go with that. If not then I’ll send three or four more out to them,” Smiley said. NDN Custom Frame also specializes in photo restoration, taking old photos for resizing and digitally making corrections. Smiley’s business is CN Tribal Employment Rights Office-certified, and she’s worked with the CN on projects, including framing and restoring photos in the Three Rivers Health Center in Muskogee, the Wilma P. Mankiller Health Center in Stilwell and the Vinita Health Center. “They (CN officials) would bring us a small photograph, and then we would blow them up so that we could frame them, which I love that concept because so many people end up waiting while they’re in the clinic and that gives them a chance to walk around and give them something interesting to look at. So many people find their relatives…in some of those photographs, too. So I think that kind of makes it cool,” she said. Smiley chose to have a mobile framing service over a retail shop because it allows her to “focus” on her job. “It gives me more time to focus on just the framing and not have to worry about managing a retail shop and be there all the time. Plus, I can work around my customers hours and work at their convenience.” She said she prides her business on its quick turnaround time and pricing. “That’s the other benefit to not having a retail location is we’re able to keep our price down without having all the expense of having a retail shop every day,” she said. Pricing varies and depends on the style of framing, size and matting. NDN Custom Frame uses acid-free materials and conservation glass. Smiley said she’s worked with repeat customers during the years and now “generational” customers. “I actually have generational customers now because I have framed for people’s parents and now those children are grown up and now I’m framing for them.” As a Cherokee business owner, Smiley said she’s “proud” and gives credit to the CN for helping grow her business. “It makes me proud that I am a successful business owner and that Cherokee Nation has helped play a part in that by giving me the opportunities to bid on some of these bigger projects so that I can prove to them what I can do.” For more information, visit NDN Custom Frame on Facebook, call 918-431-3100 or email <a href="mailto:"></a>.
11/02/2017 08:15 AM
SALLISAW, Okla. – Cherokee Nation citizen Jeff Cawhorn discovered his love for working with stone after being fascinated with arrowheads and flint napping as a boy. However, it wasn’t until a year ago that he turned his love for stone art into a side business out of his Sallisaw home. “I was just fascinated by (arrowheads), so I started toying around with making my own just in my spare time. I would pick up a piece of flint or something like that and start chipping away at it and everything, and that’s kind of what lead me to where I’m at now,” he said. “I’ve always had a knack for making stone tools. I was fascinated just looking at them from an early age and I still am.” Since Cawhorn began selling his handmade products such as arrowhead necklaces and earrings, spears, tomahawks and knives, his business has taken off. He said most costumers are local and from Oklahoma, but occasionally he receives orders from states as far as New York and Hawaii. “For a long time I was never confident enough to sale anything I had. I would make a necklace with a point on it for my own personal use or for my grandkids then everyone seemed to want one, so it kind of took off from there. After a while I started feeling confident in what I was making to actually sale it,” Cawhorn said. When making his products, he likes to use the rocks and stones found in local creeks and rivers as well as antler sheds that he finds on his whitetail deer farm. “We raise white tail deer to breeders, hunting ranches and individuals that want to purchase to turn lose on their property to enhance the deer genetics that are already there,” Cawhorn said. “A lot of the materials I use come from the animals I raise. I pick up their sheds and use them to make handles for the knives and for some of the displays and for the knife stands.” To create a knife, Cawhorn searches for a large piece of “chert” or “river cobble” along the creeks and rivers. Next he buries the stone under sand below a fire and cooks it for a couple of days to change the color and to give it a glossy effect. Then he breaks up the stone with a copper mallet or a hammer stone and shapes the broken stone into a point. For the finishing touches he adds an antler shed as the handle, and depending on the customer, Cawhorn will carve designs or words into the antler handle for a custom finish. “Everybody seems to really like (my products). I stay busy filling orders and everyone seems to be happy with what I do and I enjoy doing it too,” he said. As a full-time teacher at Central High School, he stays busy teaching humanities, psychology, physical education and drivers education. But with his home business, he’s able to continue his love for working with stone. Cawhorn is a Tribal Employment Rights Office-certified artist. To view his works, visit his personal Facebook page. To request a custom order, call 918-869-2597.
10/30/2017 12:00 PM
BLACKGUM, Okla. – It’s been nearly two years since Cherokee Nation citizen Richard Tyler and his wife, Muscogee (Creek) Nation citizen Jackie Tyler, broke ground on their aquaponics business called Native Oklahoma Aquaponic Harvest, or NOAH. Today, their 8,000-square-foot greenhouse, the first and largest commercial aquaponics farm in Oklahoma, is doing everything they “prayed” it would. “We built this with the concept of 30 percent of everything we do would back and offset the food pantry and help our community,” Richard said. In 2013, Richard operated the Vian Peace Center, a food pantry serving around 100 families monthly in and around Vian. That same year the area suffered job losses, and the center had to serve about 780 families a month. The increase hit hard Richard’s and the community’s finances. “At the end of 2013, we were able to help 265 families with Christmas dinner and toys, but it depleted all my finances. So in March 2014, I was homeless and I was sleeping at the pantry in my truck. A lady rescued me, and God gave us the vision (of aquaponics) to turn us around,” he said. “I started a small hoop house to show it would work, and everybody was excited about it, but you couldn’t get a commercial system because nobody was willing to lend on it. So when me and Jackie got together she said, ‘you know I think the Lord wants you to re-apply,’ and we did and here we are. It’s been a real blessing.” Aquaponics combines raising fish and soilless plant growth in an integrated system. The fish waste provides organic plant food, and the plants filter the water for the fish. With this aquaculture and hydroponics mixture, the food is safer and healthier, Richard said. He said by growing food in water there are no bug and erosion problems, and the food absorbs more nutrients. “What happens is since the roots are in water they can absorb 100 percent of the nutrients, so that makes (the produce) 25 to 35 percent more healthy. And without any chemicals, preservatives and pesticides on it, there are no cancers, childhood obesity or a lot of things that are associated with pesticides and preservatives.” The aquaponics business has also allowed the Tylers to reach their goal of providing the community with safe and healthy produce as part of a “Give 30” program they developed. The program gives 30 percent of what is grown to the community, supplementing the Vian Peace Center and the Vian Public Schools’ backpack program. Richard said he’s also working on contracts with entities such as Harps Foods, the University of Oklahoma and Ben E. Keith Foods. However, he said it’s going to take more greenhouses to supply the Oklahoma-based companies. “Where were at right now we need more growers to meet that higher demand. We’ve had interest from large Oklahoma-based companies that want one million heads (of lettuce) a week, but we can’t meet that demand until we get more of these going, but they are there,” he said. “In Salinas, California, where 98 percent of your lettuce is grown, they’re going through a tremendous drought. Where they’ve been in a seven-year drought now they’re looking at another seven to nine-year drought, so their supply chain is going to start breaking down on lettuce. With the indoor environment, it’s safer because we aren’t subjected to that (drought), and it doesn’t matter if it rains or snows. We are still inside of a building, so we can grow 365 days a year.” He said he hopes the CN and other tribes would install aquaponics to create jobs, profit and increase health benefits. “It opens job opportunities. It helps the economy. We were reading an article today, and Oklahoma is the highest in the unemployment rate and there’s less job security. We need to move those coastal businesses because it’s over a billion dollars a year back into Oklahoma, and it creates jobs for this area and for our people,” he said. “If the tribes grab a hold of this they could put this produce in their commodity warehouses, their casinos, their hospitals, their elderly feeding programs and all over the schools, and the people would get the best nutrition they could.” <strong>Take an Aquaponics Tour</strong> Native Oklahoma Aquaponic Harvest offers tours to schools, groups and individuals wanting to learn more or interested in starting an aquaponic greenhouse. A business tour is $75 and includes the process of owning and operating an aquaponics business. A regular tour is $10 and covers the facilities with no business information. Visit <a href="" target="_blank"></a>. <strong>NOAH Farmers Market</strong> Native Oklahoma Aquaponic Harvest also opens its farmers market on Fridays and Saturdays at its Blackgum facility. Foods for sale include strawberries, kale, tomatoes, radishes, cucumbers, okra, lettuce and fish. Local farmers bring crops as well as goat cheese, beef, Berkshire pork and regular pork. For more information, visit <a href="" target="_blank"></a>.