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Melvin Forderer of Dilworth, Minn., pauses Tuesday, Nov. 15, 2011, to look at the food collection site in the Moorhead Public Library. The library is crediting patrons $2 towards late fees for each donated food item. Starting January 1 the Lake Agassiz Regional Library will turn over its most delinquent borrowers to a material recovery service. Michael Vosburg / Forum Photo Editor

Overdue library books could ding your credit score

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Melvin Forderer of Dilworth, Minn., pauses Tuesday, Nov. 15, 2011, to look at the food collection site in the Moorhead Public Library. The library is crediting patrons $2 towards late fees for each donated food item.

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