The Hood River glacier. (Hood River, Or.) 1889-1933, 1909-04-01
BENEFITS OF A
LOCAL CREDIT RATE
Continued from Page g.

told him, "If you only get $50 you have
got to prorate with these fellows. "
He said, sect 1T it quick" " With the
exception OF one or two little &C
counts of IS or s., his was the only
account against him.
We started in and sued him and got
Judgment on his horses and one thing
and another, and got everything
shaped up; and now he won't under
take to do anything detrimental to
the interests of the association with
out giving them due information.
Now / give that 10 you simply as an
illustration OF the breaking down Of
the barrier that will exist In any
association that might be organized
along these lines.
An incident came tn my mind a
short time ago, in the organization,
and ! know that the .Gembers who nr9
present here today will pardon me
tor using that illustration, although ]
am not going to give any names or 10
cation. They had organized credit
members association and had prac-
tioaIly taken in every business man
LHHL was tuJlLlci w bblllb INV uh vi
ganization Of that kind, except one
big merchant who refused to come in
at all, on any basis, and 1t was worry
ing them quite good deal.
The only thought in that situation
that came to my mind was that there
WAS no occasion on their part to
worry at all Whenever you start
one OF these organizations and one or
two men hold out, don't you worry,
he will do all OF the worrying after
while. lie will do it proper, that Ia,
ii you are honest with yourselves aud
with the people In youi community.
Don't endeavor to start and build
what some people might possibly
term a black list, or something Of that
kind. Start ~ honestly and judic.
iously and rate every man In your
community; do it honestly and
fairly. II at any time it may como to
your attention that you have made a
mistake-we made mistakes In this
book--and some man comes along
and says, "Now, look here, don t
you think you have given me little
bit OF the double crossf Don't you
think / am entitled to little better
oredit?" That book has five or six
thousand names, and when we found
out that we had rated a man wrong
we took it up at the next meeting and
the cerreot rating goes into the book,
When a man has been poor and gets
better, we Can give him a better rat
ing; whenever man has been rated
good and dsqualliles himself we
mark him down, and you will lind at
the end of the year, II you will live
right up conscientiously to the rate
that Is given here, you will not be
charging oil at the end of the year
nearly 10 much, and you will be able
to take one of those trips down to
Southern California, and get away
from this beautiful blizzard.
have in my mind that this pro.
position should be organized in every
county in the state OF Oregon, every
county, and Tor your individual benefit
OF the state ut large. There Is not
any question but what it will give
you benefit at home and benefit here
at Portland You can take propo-
stion of this kind up here in Port
aud just as we'll us in smaller town,
and II this proposition could TO sue
cessfully organized NIL over the state,
1t possibly would save me some worry,
aud save other people some worry,
The telephone bell would RUG aud a
memb,r will say, "Mr So and So has
applied to me for credit; he Is not
rated he has only been here 30 days
he came from Albany, or Eugene, or
Salem', and ii had a Salem book on
my doak, or an Albany book, or
Eug9n book, and tho man had been
there long enough to be rated,
would be able to tell In IA few minutes
whether that man was entitled to
credit. 1t man refuses to tell you
where he IL from he Is not entitled to
any credit. There are good many
people who feel that a man is usurp.
ing the power of imposition when he
asks you whore you came fIom, what
yon have been doing and what you
are going to do here, when applioa.
tion is made for credit. and II some
merchants would start proposition
OF that kind, and thoroughly investi.
gate people before putting them on
the book, you would not have so
many bad accounts, and you would
have more cash in the bank aud
more of your hillsEwould be discount
cd 10 nv mind penernl oryautyn.