The CPN help changed my credit score

Self-Credit Repair

Like so many people in America today my credit is not in great shape. I was a victim of the declining economy and I watched gradually as my credit score dropped…As it dropped it has made it impossible to get any loans during this rough period of time, to help out in my time of need.

After some research a way to help improve my credit. Unfortunately I was a person who had limited funds available to pay on my accounts. Many places were unhappy that I only gave them a portion of a payment to their funds, while avoiding  newer collection or charge-off. I developed a system to pay on the newer accounts before the older ones , because the older the account had less effect on my credit score.

If a account is 24 months avoid paying an older charge-off or a lien because they won't help your credit score nearly as much as if it were a newly charged off debt!

Please take notice of this that new charge-offs and liens that have occurred within the past 24 months severely damage your credit score and should be settled as soon as possible..I also found that if you  have both charged-off accounts and collection accounts -- but only a limited amount of money to pay them I  suggests that you first, pay the past due balances on accounts that are not in collection or charge-off status. For example, those are only a month or two behind.

• Second, pay collection agencies that agree to remove all references of your accounts to credit bureaus.
• Third, although not related to past due balances, pay off your credit cards that are open and revolving. This is third in order of importance because it will help your credit score a lot more than paying or settling unpaid collection or charge-off accounts that the creditor will not agree to delete with payment.
• Fourth, pay or settle the remaining collections or charge-offs that are unpaid but the creditor refuses to delete with payment. It still makes sense to settle or pay these because not doing so can lead to a lawsuit or the debt being sold to a different collection agency, Please take note that as a consumer you have the right to dispute any information on your credit bureaus. This process is called self-credit repair and can be done by anyone who can read and write! To do it you must write a letter that dispute the information you disagree with.
  
  Upon receiving your dispute letter the credit bureaus will contact the lenders who must verify the information, if they cannot, it must be removed from your report and your score will increase.

I suppose everything happens for a reason, for the other day while searching on the internet I stumbled across information on a(CPN) Credit Privacy Numbers. My first question is what is a CPN?  A CPNis a. Credit Profile Numbers. This is a 9 digit number that credit can be built! My research showed that many famous people, important political and government officials and even people in witness protection have used CPN to not expose their private information. Much to my surprise these people were using the second number to keep their real personal information private. 

. Now I have positive trade lines and no bad credit thanks Set To Go Loans..

To see more of Whats on your mind click here

Lebron has help, so why isn't the Heat on Top?

I recentely wrote a blog that said that Lebron James needs help to win a champonship. Many people are confused since James has a group of super stars around him, that the team is winning but they are not winning the tough games. Now that he is a Miami Heat player, Bosh, James and Wade still need to develop something that they don't have, chemistry!

Do you remember when the Lakers signed Paul Gasol, they went to the final but did not win... Although a year later after the players learn their roles and developed chemistry, they won 2 championship and planning to to win a third!

When you load up a team with superstars they each have to learn their roles! When they do, you will have a dynasty of a team. With these mega players on a team now you need to assemble the supporting cast... You see when the superstars come out of the game for a break,  the support team job will be to not loose the lead or keep the game close until the big three can get back in!.

Now the heat still needs to make a couple of power moves and get a center and a hustle forward and a strong guard who can shoot the 3! Now when you have a complete team where you know all the players, then you have a team!

The stronger the supporting cash the greater the opportunity to win multiple championships! The best example of that would be the San Antonio Spurs. They won 4 championships 1999, 2003, 2005, 2007). They have superstars, but its the supporting cast that makes them so dangerous. Which means they could still slip in and win one more!

These superstars on will get them to the finals, but the supporting cast will help them win! Miami now you need to get 2 or 3 free agents and the sky is the limit!
To see more of Whats on your mind click here

KEITH OLBERMANN SUSPENDED INDEFINITELY WITHOUT PAY FOR DONATING TO CANDIDATES?

Whats on my mind is?

KEITH OLBERMANN SUSPENDED INDEFINITELY WITHOUT PAY FOR DONATING? 

 MSNBC host Keith Olbermann has been suspended indefinitely without pay after POLITICO reported that he made three campaign contributions to Democratic candidates.

MSNBC President Phil Griffin said in a statement Friday: “I became aware of Keith's political contributions late last night. Mindful of NBC News policy and standards, I have suspended him indefinitely without pay."

VIDEO: Olbermann echoes Dean

VIDEO: Olbermann on Brown

Olbermann made campaign contributions to two Arizona members of Congress and failed Kentucky Senate candidate Jack Conway ahead of Tuesday’s election.

Olbermann, who acknowledged the contributions in a statement to POLITICO, made the maximum legal donations of $2,400 apiece to Conway and to Arizona Reps. Raul Grijalva and Gabrielle Giffords. He donated to the Arizona pair on Oct. 28 — the same day that Grijalva appeared as a guest on Olbermann’s “Countdown” show.
NBC has a rule against employees contributing to political campaigns, and a wide range of news organizations prohibit political contributions — considering it a breach of journalistic independence to contribute to the candidates they cover.
Maybe their is no gray area of reporting and giving your money? Although his job is to be fair and impartial... Yet when I listen to Fox, Hannity  and Glen Beck to me is bias in my opinion...

Olbermann is one of MSNBC’s most recognizable faces, and has emerged as one of the country’s most prominent liberal commentators. A former ESPN star, Olbermann’s “Countdown With Keith Olbermann” started in 2003 as a traditional news show but evolved into a left-leaning opinion program – and in some ways, led the network into its new identity as the cable-news voice of the left and an attempt to be a counterweight to Fox News.

Your point has been made and to go any farther with this would be to much!

To see more of Whats on your mind click here

Divided We Fail

Republicans will took control of Congress. How worried should we be by that prospect? Fred R. Conrad/The New York Times Not very, say some pundits. After all, the last time Republicans controlled Congress while a Democrat lived in the White House was the period from the beginning of 1995 to the end of 2000. And people remember that era as a good time, a time of rapid job creation and responsible budgets. Can we hope for a similar experience now? No, we can’t. This is going to be terrible. In fact, future historians will probably look back at the 2010 election as a catastrophe for America, one that condemned the nation to years of political chaos and economic weakness. Start with the politics. In the late-1990s, Republicans and Democrats were able to work together on some issues. President Obama seems to believe that the same thing can happen again today. In a recent interview with National Journal, he sounded a conciliatory note, saying that Democrats need to have an “appropriate sense of humility,” and that he would “spend more time building consensus.” Good luck with that. After all, that era of partial cooperation in the 1990s came only after Republicans had tried all-out confrontation, actually shutting down the federal government in an effort to force President Bill Clinton to give in to their demands for big cuts in Medicare. Now, the government shutdown ended up hurting Republicans politically, and some observers seem to assume that memories of that experience will deter the G.O.P. from being too confrontational this time around. But the lesson current Republicans seem to have drawn from 1995 isn’t that they were too confrontational, it’s that they weren’t confrontational enough. Another recent interview by National Journal, this one with Mitch McConnell, the Senate minority leader, has received a lot of attention thanks to a headline-grabbing quote: “The single most important thing we want to achieve is for President Obama to be a one-term president.” If you read the full interview, what Mr. McConnell was saying was that, in 1995, Republicans erred by focusing too much on their policy agenda and not enough on destroying the president: “We suffered from some degree of hubris and acted as if the president was irrelevant and we would roll over him. By the summer of 1995, he was already on the way to being re-elected, and we were hanging on for our lives.” So this time around, he implied, they’ll stay focused on bringing down Mr. Obama. True, Mr. McConnell did say that he might be willing to work with Mr. Obama in certain circumstances — namely, if he’s willing to do a “Clintonian back flip,” taking positions that would find more support among Republicans than in his own party. Of course, this would actually hurt Mr. Obama’s chances of re-election — but that’s the point. We might add that should any Republicans in Congress find themselves considering the possibility of acting in a statesmanlike, bipartisan manner, they’ll surely reconsider after looking over their shoulder at the Tea Party-types, who will jump on them if they show any signs of being reasonable. The role of the Tea Party is one reason smart observers expect another government shutdown, probably as early as next spring. Beyond the politics, the crucial difference between the 1990s and now is the state of the economy. When Republicans took control of Congress in 1994, the U.S. economy had strong fundamentals. Household debt was much lower than it is today. Business investment was surging, in large part thanks to the new opportunities created by information technology — opportunities that were much broader than the follies of the dot-com bubble. In this favorable environment, economic management was mainly a matter of putting the brakes on the boom, so as to keep the economy from overheating and head off potential inflation. And this was a job the Federal Reserve could do on its own by raising interest rates, without any help from Congress. Today’s situation is completely different. The economy, weighed down by the debt that households ran up during the Bush-era bubble, is in dire straits; deflation, not inflation, is the clear and present danger. And it’s not at all clear that the Fed has the tools to head off this danger. Right now we very much need active policies on the part of the federal government to get us out of our economic trap. But we won’t get those policies if Republicans control the House. In fact, if they get their way, we’ll get the worst of both worlds: They’ll refuse to do anything to boost the economy now, claiming to be worried about the deficit, while simultaneously increasing long-run deficits with irresponsible tax cuts — cuts they have already announced won’t have to be offset with spending cuts. So if the elections go as expected next week, here’s my advice: Be afraid. Be very afraid.

To see more of Whats on your mind click here

Burnt Biscuits

When I was a little boy, my mom liked to make breakfast food for dinner every now and then. And I remember one night in particular when she had made breakfast after a long, hard day at work. On that evening so long ago, my mom placed a plate of eggs, sausage and extremely burned biscuits in front of my dad. I remember waiting to see if anyone noticed! Yet all my dad did was reach for his biscuit, smile at my mom and ask me how my day was at school. I don’t remember what I told him that night, but I do remember watching him smear butter and jelly on that biscuit and eat every bite! When I got up from the table that evening, I remember hearing my mom apologize to my dad for burning the biscuits. And I’ll never forget what he said: “Baby, I love burned biscuits.” Later that night, I went to kiss Daddy good night and I asked him if he really liked his biscuits burned.. He wrapped me in his arms and said, “Your Momma put in a hard day at work today and she’s real tired.. And besides – a little burnt biscuit never hurt anyone!” ————————– —————————- —————————— You know, life is full of imperfect things…… and imperfect people I’m not the best housekeeper or cook. What I’ve learned over the years is that learning to accept each other’s faults – and choosing to celebrate each other’s differences – is one of the most important keys to creating a healthy, growing, and lasting relationship. And that’s my prayer for you today. That you will learn to take the good, the bad, and the ugly parts of your life and lay them at the feet of God. Because in the end, He’s the only One who will be able to give you a relationship where a burnt biscuit isn’t a deal-breaker! To see more of Whats on your mind click here

It touched my heart

I on occasion receive emails that really make me think.Maybe in my old age I am getting soft because this story brought a tear to my eye. Let me start out saying that I am not sure if its fiction or non fiction but the key is that it is what it is, something that makes you think!




I was walking around in a Target store, when I saw a Cashier hand this little boy some money back.

The boy couldn't have been more than 5 or 6 years old.

The Cashier said, 'I'm sorry, but you don't have enough money to buy this doll.'

Then the little boy turned to the old woman next to him: ''Granny,
are you sure I don't have enough money?''

The old lady replied: ''You know that you don't have enough money to buy this doll, my dear.''

Then she asked him to stay there for just 5 minutes while she went to look around. She left quickly.

The little boy was still holding the doll in his hand.

Finally, I walked toward him and I asked him who he wished to give this doll to.
'It's the doll that my sister loved most an d wanted so much for Christmas.

She was sure that Santa Claus would bring it to her.'

I replied to him that maybe Santa Claus would bring it to her after all, and not to worry.

But he replied to me sadly. 'No, Santa Claus can't bring it to her where she is now. I have to give the doll to my mommy so that she can give it to my sister when she goes there.'

His eyes were so sad while saying this. 'My Sister has gone to be with God. Daddy says that Mommy is going to see God very soon too, so I thought that she could take the doll with her to give it to my sister.''

My heart nearly stopped..

The little boy looked up at me and said: 'I told daddy to tell mommy not to go yet. I need her to wait until I come back from the mall.'

Then he showed me a very nice photo of himself. He was laughing. He then told me 'I want mommy to take my picture with her so she won't forget me.'

'I love my mommy and I wish she didn't have to leave m e, but daddy says that she has to go to be with my little sister.'

Then he looked again at the doll with sad eyes, very quietly.

I quickly reached for my wallet and said to the boy. 'Suppose we check again, just in case you do have enough money for the doll!''

'OK' he said, 'I hope I do have enough.' I added some of my money to his without him seeing and we started to count it. There was enough for the doll and even some spare money..

The little boy said: 'Thank you God for giving me enough money!'

Then he looked at me and added, 'I asked last night before I went to sleep for God to make sure I had enough money to buy this doll, so that mommy could give it to my sister. He heard me!''

'I also wanted to have enough money to buy a white rose for my mommy, but I didn't dare to ask God for too much. But He gave me enough to buy the doll and a white rose.''

'My mommy loves white roses.'

A few minutes later, the old lady returned and I left with my basket.

I finished my shopping in a totally different state of mind from when I started.

I couldn't get the little boy out of my mind.
Then I remembered a local news paper article two days ago, which mentioned a drunk man in a truck, who hit a car occupied by a young
woman and a little girl.
The little girl died right away, and the mother was left in a critical
state. The family had to decide whether to pull the plug on the
life-sustaining machine, because the young woman would not be able to recover from the coma.

Was this the family of the little boy?

Two days after this encounter with the little boy, I read in the news paper that the young woman had passed away.

I couldn't stop myself as I bought a bunch of white roses and I went to the funeral home where the body of the young woman was for people to see and make last wishes before her burial.

She was there, in her coffin, holding a beautiful white rose in her hand with the photo of the little boy and the doll placed over her chest.
I left the place, teary-eyed, feeling that my life had been changed for ever.. The love that the little boy had for his mother and his sister is
still, to this day, hard to imagine.

And in a fraction of a second, a drunk driver had taken all this away from him.

Now you have 2 choices:

1) Send this message to others, or

2) Ignore it as if it never touched your heart.

The quote of the month is by Jay Leno: 'With hurricanes, tornados, fires out of control, mud slides, flooding, severe thunderstorms tearing up the country from one end to another, and with the threat of H1N1 flu and terrorist attacks, 'Are we sure this is a good time to take God out of our plans and activities?'

For those who prefer to think that God is not watching over us.... go ahead and delete this. For the rest of us... pass this on.

The value of a man or woman resides in what he or she gives, not in what we are capable of receiving










 
Love is a funny thing! 
It sometimes grow and somtimes dies.
Sometimes, it even comes back to life,
long after everyone thought it was long dead!

Do not be afraid to admit when you're wrong,
Its not a sign of weakness,
but shows character and responsibility;
Others will respect you for that!!!




To see more of Whats on your mind click here

T.I. sent back to prison he has 11 Months left

 Says He “Screwed Up”

Hot 107.9 was at the Richard B. Russell Federal Courthouse today where T.I. was sentenced to 11 months in prison for violating his parole as a result of his drug arrest in L.A.

“I screwed up,” said the ATL rapper (born Clifford Harris, Jr.), wearing a three-piece gray suit. “I screwed up bigtime, and I’m sorry. I want drugs out of my life. If I can get treatment and counsling I need, I can beat this. I have been sincere in my message to kids, that guns, gangs and drugs threaten your life, and I mean it. I’ve been a kid. I’ve lived the same life that those kids have. As I discovered in talking to my PO I had many problems from my childhood. Now I am down to the disease of addiction. I need help. For me, my mother my kids. I need the court to give me mercy. Judge, don’t send me back to prison.”

Despite T.I.’s plea, U.S. District Judge Charles Pannell Jr. said the rapper “has had about the limit of second chances.”

“The worst thing is this case was an experiment,” said Pannell, alluding to the rapper’s previous unprecedented sentence of a year and a day in prison for his 2007 arrest on federal weapons charges.

R&B star Monica and Tiny’s wife Tameka “Tiny” Cottle were among the people in the courtroom. The court was so packed that Def Jam executive Kevin Liles, Grand Hustle’s Jason Geter and members of T.I.’s family could not get in, although the rapper’s sister was eventually allowed in.

People taking the stand included Officer James Polite, who testified how T.I. helped talk a suicidal man safely down from a Midtown building on Wednesday.

T.I. reportedly has two weeks to report to prison. It has not been determined yet where he will serve his time, but his legal team requested that it be in Georgia and not in the federal prison in Arkansas where he previously served time.

Judge Pannell said that decision was up to the Bureau of Prisons, but added he would recommend T.I. serve his time in Georgia.

While still expressing hope for T.I., U.S. Attorney Sally Yates recommended that T.I. be sent back to prison for two years.

“Through his community service he reached kids and made a real difference,” she said. “But after the halfway house, he violated the law again, and submitted diluted urine samples, which coincide when he admitted to the probation officer he had been using ecstasy during that time.  He lied a number of times upon arrest about the ecstasy found in his pants. While he was telling kids to obey the law, he was breaking it. Our office saw this agreement as positive and proactive, but there has to be a significant consequence for undermining the agreement.”

Steve Sadow, T.I.’s lawyer, had asked that Harris be given at least six months of home confinement during which he would attend an inpatient drug rehabilitation program.

“We did not find a single case out of 247 in 10 years of simple possession, where the probation violator went back to jail,” argued Don Samuel, who presented evidence from the witness stand, under Q and A, a format the defense asked for and the judge agreed to.

One of T.I.’s lawyers, Ed Garland, explained that the rapper had been taking oxycodone after undergoing 7 root canals and 2 extractions following his release from prison in May.

“This summer Harris worked a grueling 24 [city] tour schedule and began drinking a drink of cough syrup and soda, which gave him the same feeling as his old pills which he ran out of,” explained Garland. “He started off the wagon, like an alcoholic. That’s what happened to this young man , so he failed his commitment, with drugs that relaxed him in his schedule.”

Following his sentence, T.I. emerged from the courtroom holding a Bible and exchanged hand shakes and hugs with supporters and family.

Credit to Mark Allwood in ATL

To see more of what’s on your mind click here