Saturday, January 28, 2006
'Welcome to Bethlehem in Israel' - 'What? No it isn't!
posted by: Frubious Bandersnatch at 3:23 PM
To set the record straight. Bethlehem is a Muslim and Christian city with no Jewish population at all. The inhabitants are Arabic speaking people who identify themselves as 'Palestinian'. International law also deems this territory to be the remnants of what was once a territory called Palestine. (UN resolutions 242 & 338). Since the supposed 'peace process' the entire city has even been under the jurisdiction of an entity known as the Palestinian authority. Bethlehem is in Palestine – this may come as a shock, but its true.

It is extremely offensive to the people of Bethlehem when foreign visitors come through the wall and fail to notice that they have left Israel. After all its not as if the wall is a particularly unnoticeable boundary – it consists of 30ft of solid concrete with sporadic gun towers and steel gates! Its not hard to miss people.

But why am I being so uptight about people making this seemingly innocent mistake? Well, for several reasons;

1) Bethlehem city and its inhabitants have suffered greatly under the Israeli regime. In 1967 Bethlehem – which was up until that point in time under the administration of Jordan – was occupied by the Israeli military. It remained under this direct colonial control until the creation of the Palestinian authority in the 1990's, despite numerous UN resolutions declaring the occupation illegal.

2) Bethlehem city has suffered greatly from a series of Israeli invasions in the period of time since it was handed over to the Palestinian authority. During this period, Bethlehem has been subject to numerous and often violent incursions by Israeli troops. The largest of which was when a few dozen Palestinian militants were placed under siege in the famous Church of the Nativity.

3) Bethlehem has had vast quantities of land illegally confiscated for settler and military use. Using an array of laws compiled from the British, Jordanian and Ottoman occupations – coupled with the arbitrary use of 'military orders' – The Israelis have succeeded in confiscating over 50% of the land in the Palestinian West Bank. In the Bethlehem area alone, no less than 11 illegal settlements have been installed – in effect, completely surrounding the city.

4) The construction of the apartheid wall is currently in the process of devastating the city by cutting it off from the outside world. As opposed to being constructed along the internationally recognized border with Israel (which would be the logical route of the wall if the argument that it is for security were true) the wall runs along the edge of the urban areas deep inside Bethlehem's territory. (See picture's in article's below) This is to ensure that the maximum possible amount of land can be confiscated and illegally settled. The result is that Bethlehem is being turned into an urban ghetto so as to not disrupt Tel Aviv's plans for a greater Israel.

5) Bethlehem shelters a large population of refugees from the original round of ethnic cleansing which took place with the founding of Israel in 1947-8. Having been denied their internationally recognized right of return (according to UN resolution 194 refugees 'must be permitted to return') these people – and their decedents – live in poverty stricken refugee camps which are heavily over-crowed.

6) Final reason, Its bloody annoying! The people of this city have suffered a great deal from the policies of the Israeli colonial regime whilst the world fails to notice. When Westerners walk around Bethlehem saying 'oh isn’t this a lovely part of Israel' it only serves to highlight how little the outside world are aware of this area and subsequently it adds insult to injury.

I'm not one for nationalism myself, I believe the people of all nations are essentially all the same – just people – but the people of this suffering city are entitled to their identity and they unanimously agree that they are Palestinians. When visiting or writing about Bethlehem, please try to be sensitive to the fact that many of the things associated with the word 'Israel' have caused these people almost permanent suffering since 1947. The very least we can offer them in terms of respect is to at least addressing these people with the name of their enemy.
110 Comments
Blogger answer-man
Hello just stopped by to view your blog and to let all interested know I am offering free plumbing repair information and safety tips for California residents and all others interested. If you are not interested then please excuse us and please disregard this comment.

For Plumbing Press Release and Free Plumbing Repair Information please feel free and stop by and read and take advantage of our blog info or viist **A-Affordableplumbing.Com** Thank you and have a great day.
5:55 AM  
Anonymous Scott Arthur Edwards
Here it is... FREE advertising, FREE download. No cost to you! Get your FREE download NOW! Make money and get FREE advertising! This is a great program for you to take advantage of... Check this out now for FREE!

To find out more visit: idea for home-based business site. It successfully exposes FREE information covering traffic and idea for home-based business related stuff. Don't forget, FREE, FREE, FREE!!!
8:06 PM  
Anonymous Anonymous
Hi ##name##. There are many different ways to earn money onlinefree website analysis. I continue to look for different ways to promote my sites and business without going broke. let me know what you all are seeing out there.free website analysis
12:13 AM  
Blogger Scott A. Edwards
New Blog Submission Software Takes Total Domination To A whole New Level, And Allows Complete Control Over Any Market and Any Product You Sell.--Renders All Other Marketing Methods Totally Useless by Comparison"
Click here: FREE DEMO
3:01 AM  
Blogger Greg Liddle
Some great info here!
If you have a few minutes come and check out my
Kanossis site.
It contains a lot of useful information about Kanossis .
11:19 AM  
Anonymous Anonymous
Great site with good information. take a peek at this when you have some time.
Thanks.
Sam D. Mann
http://www.urfortuneshere.com
8:38 AM  
Anonymous Nutronix
Hi,
I found reading your blog interesting and well done, I do like what you have done with your site but it is not really the information I was after about Sublingual . Keep up the good work and hopefully I will visit again sometime and also find the information on Sublingual that I was looking for in my travels.
Regards,
12:57 AM  
Anonymous Anonymous
Hi, Your site looks real impressive. It must have taken you a lot of time and effort to make it this good. When you have some time you might like to check this out
http://www.urfortuneshere.com/recommend/amm.htm
10:41 AM  
Anonymous make money online
Hi, did you know you can make money online using Google Adsense and clickbank.com totally for free? Come see bestinternetearnings.com
3:08 PM  
Anonymous Anonymous
I finally stumbled on to a way to increase traffic in my growing internet business. work at home moms Let me know what tips you have as I certainly would like to fire my boss.
thanks
10:11 PM  
Anonymous Anonymous
Student Debt Consolidation Debt Consolidation Help can help you reduce your interest burden by charging an interest rate lower than the rate on your existing loans. Debt consolidation loan can also allow you to make small monthly payments by extending the loan period
3:55 AM  
Blogger Joe Berenguer
I was just searching blogs,and I found your site, Friend! I like it!
Please accept my compliments and wishes for your happiness and success.
If you have a moment, please take a look at my site:
make money
It pretty much covers make money related issues.
All the best!
9:10 AM  
Blogger Paul Adams
I was just searching blogs,and I found your site, Friend! I like it!
Please accept my compliments and wishes for your happiness and success.
If you have a moment, please take a look at my site:
make money
It pretty much covers make money related issues.
All the best!
3:11 AM  
Blogger James Baker
Hi Blogger!I like your blog! Keep up the
good work, you are providing a great resource on the Internet here!
If you have a moment, please take a look at my site:
make money
It pretty much covers make money related issues.
Best regards!
9:21 AM  
Anonymous Anonymous
Debt Consolidation Debt Consolidation Help can help you reduce your interest burden by charging an interest rate lower than the rate on your existing loans. Debt consolidation loan can also allow you to make small monthly payments by extending the loan period
4:26 PM  
Blogger Joe Berenguer
Hey Fellow, you have a great blog here! I have a web
site & blog about make money.
Yours is top-notch!
If you have a moment, please visit my site
make money
I wish you all the best!
5:14 PM  
Blogger Paul Adams
Hey Fellow, you have a great blog here! I have a web
site & blog about make money.
Yours is top-notch!
If you have a moment, please visit my site
make money
I wish you all the best!
10:09 PM  
Anonymous betterbusinessbureau
Hi did you see this better business bureau blog? - Special make money online
6:18 AM  
Blogger James Baker
Hi Blogger!I like your blog! Keep up the
good work, you are providing a great resource on the Internet here!
If you have a moment, please take a look at my site:
make money
It pretty much covers make money related issues.
Best regards!
8:26 AM  
Blogger James Baker
I was just searching blogs,and I found your site, Friend! I like it!
Please accept my compliments and wishes for your happiness and success.
If you have a moment, please take a look at my site:
make money
It pretty much covers make money related issues.
All the best!
10:24 AM  
Anonymous Anonymous
You gave me an interesting idea. Thx.

Steve @
http://www.Helping-You-Profit.com
8:13 AM  
Anonymous betterbusinessbureau
Hi did you see this better business bureau blog? - Special make money online
10:18 PM  
Anonymous Anonymous
The personal development industry has never been bigger! It consists of a myriad of authors basically telling us how to improve our lives. We are constantly being told self help and self improvement has never been easier. New techniques, gadgets and potions adorn the shelves of new age shops and the 1 billion dollar industry, that is personal development, offers many different approaches to help better our lives. They offer ways to increase our bounty and ultimately alter our own reality. A great example of this is how to develop a Prosperity Consciousness. But does this state really exist and if it does will it bring the effortless unlimited wealth promised?
A lot has been written about prosperity and how to attain it. We have been told by many religious traditions and every personal development guru that the Universersal Source (God, Spirit, Cosmic Mind or whatever label you chose to give it) is boundless wealth. We are also told that abundance, wealth and prosperity are our birthright! Why then are so many people ill, broke, frustrated and unfulfilled? Can a person really develop a prosperity consciousness and effortlessly attract wealth? Well as with everything in life there is only one way to find out. Test it for yourself!
Before we can attain and then test the effectiveness of having a prosperity consciousness we need to understand some basic truths. Let's start by explaining three fundamentals of personal development namely; 1. The Universal Source is all wealth, abundance and prosperity; 2. Prosperity is our birthright; 3. You get more of what you focus on.
1. Why are we told that the Universal Source is unlimited wealth? - Because the Universal Source is the consciousness of the Universe - a universe that is still expanding. It is the driving force behind physical reality. It created everything you see, hear, touch and smell as well as all that we are unaware of (microwaves, radiation, air etc.). It has been stated in religious and metaphysical traditions that this intelligence is not only the Source of everything but that it is also the substance of it! It creates the Universe from itself! It is omnipresent (everywhere present). That means that the entire seen and unseen aspects of the universe are a part of this Universal Source. Science reaffirms this theory as it states that nothing is solid and everything is just one mass of pure energy that vibrates at different frequencies and gives the illusion of separateness.
So we can now claim that the Universal Source is unlimited wealth, abundance and prosperity with some belief. For if this Source is the very substance of everything then it is all the wealth, abundance and prosperity that exists at this very moment!
Ok so far? Now lets look at the second point - prosperity is our birthright.
2. If this Universal Intelligence is the source and substance of all things then there can be only one intelligence in the Universe. Jesus said to his disciples "know ye not that you are the temple of the living God?" Buddha attained enlightenment and "oneness". The list of these religious teachings are too numerous to mention but their message remains the same - God (Universal Substance) resides within and around us. It's very substance makes up our physical body and the world around us - "For in him we live, move and have our being" Acts17:28. Therefore, if this Universal Source is at the very core of our being and is the substance from which we take physical form then it stands to reason that we are connected to everyone else and in fact everything else around us - we are a part of all the wealth, abundance and prosperity of the universe. Just as your hand or foot is a part of your body, so every grain of sand, blade of grass, wisp of wind, bar of gold and brick that is laid in a mansion is part of you. The unlimited wealth of the universe is yours for the claiming. It is already yours, always has been and always will be. It is a part of you.
Ok let's go the third point - you get more of what you focus on.
3. "It never rains but it pours", is a saying I have used myself in the past. Have you ever wondered why such a statement appears to be true? Well metaphysics and religion tell us that "as a man thinketh in his heart, so is he" or as Job cried out to God "For that which I greatly feared has come upon me". What we focus our conscious attention on increases! Don't believe me? Test it for yourself! If you can muster up the strength to do it then think in negative terms for a week. Judge everything that happens to you in negative terms and think only of a negative outcome and watch what happens in your world!!! This is a relatively easy experiment as we are conditioned to think negatively by the world. A word of warning though - once you prove that your focus determines your reality stop thinking negative thoughts as best you can.
I will not go into the 'hows' of why our focus has such a profound influence on our lives (that would be the subject of a book or perhaps a future article) just prove to yourself that it does. A clue can be found in the teachings of Jesus when he said "The Kingdom of heaven is within".
So now we have the three principles of the prosperity consciousness explained let's put it to work. The attainment of a prosperity consciousness is relatively simple - just think on the first two principles until you fully understand them and integrate them into your consciousness. As you focus on them you will discover that your feelings of lack disappear and you begin to feel a connection with everything around you. It is really just an attitude shift - nothing metaphysical or mystical about it at all. You begin to consciously realize that everything is a part of you. Your focus changes from poverty to wealth.
If it helps make a list of affirmations that correspond to the two principles outlined e.g. "God is the Source and substance of everything", "I am at one with everyone and everything around me", "I am a part of all the wealth, abundance and prosperity of the Universe" etc. Don't just rhyme them off in a parrot like manner, think on them and realize the scientific or spiritual truths behind them.
Will it work? Well I can say now that if you follow the above instructions a real change will happen in you. You will start to see the beauty of the world and the unlimited resources that are available within and around you. Will you attain wealth, abundance and prosperity? Test it for yourself! personal-development.info
2:27 PM  
Blogger Joe Berenguer
Hello Friend! I just came across your blog and wanted to
drop you a note telling you how impressed I was with
the information you have posted here.
I also have a web site & blog about make money site so I know I'm talking
about when I say yours is top-notch! Keep up the
great work, you are providing a great resource on the Internet here!
If you have a moment, please visit my site make money site
Best success!
12:18 PM  
Blogger Paul Adams
Hi Friend! You have a great blog over here!
Please accept my compliments and wishes for your happiness and success!
If you have a moment, please take a look at my site:
make money site
It covers make money site related subjects.
Have a great day!
4:51 PM  
Blogger James Baker
Hello Friend! I just came across your blog and wanted to
drop you a note telling you how impressed I was with
the information you have posted here.
I also have a web site & blog about make money site so I know I'm talking
about when I say yours is top-notch! Keep up the
great work, you are providing a great resource on the Internet here!
If you have a moment, please visit my site make money site
Best success!
10:06 PM  
Blogger James Baker
Congratulations Friend for your excellent blog on make money!Keep up the good work!
If you have a moment, please visit my site:
make money
I send you my warm regards and wish you continued success.
Have a nice day! :-)
4:19 PM  
Blogger Paul Adams
Congratulations Friend for your excellent blog on make money!Keep up the good work!
If you have a moment, please visit my site:
make money
I send you my warm regards and wish you continued success.
Have a nice day! :-)
10:45 PM  
Blogger Paul Adams
I just came across your blog and wanted to
drop you, Blogger, a note telling you how impressed I was with
the information you have posted here.
If you have a moment, please visit my site:
make money
It covers make money related contents.
I send you warm regards and wish you continued success.
5:17 AM  
Anonymous affordable web site hosting
Start Making Money Today.. Why wait

I would like to tell everyone I know about a new web site for affordable web site hosting... If you are looking on ways to mkae money starting a business and need a site to host it on . Visit http://webhost-er.com/ Today
6:29 AM  
Blogger Joe Berenguer
Hi Blogger!I like your blog! Keep up the
good work, you are providing a great resource on the Internet here!
If you have a moment, please take a look at my site:
make money
It pretty much covers make money related issues.
Best regards!
7:19 AM  
Blogger Paul Adams
I just came across your blog and wanted to
drop you, Blogger, a note telling you how impressed I was with
the information you have posted here.
If you have a moment, please visit my site:
make money
It covers make money related contents.
I send you warm regards and wish you continued success.
1:02 PM  
Blogger Paul Adams
I was just searching blogs,and I found your site, Friend! I like it!
Please accept my compliments and wishes for your happiness and success.
If you have a moment, please take a look at my site:
make money
It pretty much covers make money related issues.
All the best!
6:50 PM  
Blogger Joe Berenguer
Hey Fellow, you have a great blog here! I have a web
site & blog about make money.
Yours is top-notch!
If you have a moment, please visit my site
make money
I wish you all the best!
12:28 AM  
Blogger James Baker
I just came across your blog and wanted to
drop you, Blogger, a note telling you how impressed I was with
the information you have posted here.
If you have a moment, please visit my site:
make money
It covers make money related contents.
I send you warm regards and wish you continued success.
6:01 AM  
Blogger James Baker
Hi Blogger!I like your blog! Keep up the
good work, you are providing a great resource on the Internet here!
If you have a moment, please take a look at my site:
make money
It pretty much covers make money related issues.
Best regards!
11:09 AM  
Anonymous Anonymous
Hi, I was totally enthralled with the messages you have posted in this self help, healing, weight loss, health, spirit, spiritual, the secret, love, prosperity, abundance, blog. Keep up the posts, I have added you to my favorites!

T.P.
http://www.tonyapruitt.com
1:48 AM  
Anonymous Anonymous
Your blog is very very good. I would love you to vist Make Money Online and let me know what you think. Thanks
2:22 AM  
Anonymous Anonymous
Hi, I was totally enthralled with the messages you have posted in this self help, healing, weight loss, health, spirit, spiritual, the secret, love, prosperity, abundance, blog. Keep up the posts, I have added you to my favorites!

T.P.
http://www.tonyapruitt.com
7:25 AM  
Blogger James Baker
Hi, Fellow!I like your blog!
I just came across your blog and wanted to
drop you a note telling you how impressed I was with
the information you have posted here.
I have a make money
site. It pretty much covers make money related subjects.
Come and check it out if you get time :-)
Best regards!
5:23 PM  
Anonymous Anonymous
Student Consolidation
Debt Consolidation Loan can help you reduce your interest burden by charging an interest rate lower than the rate on your existing loans. Debt consolidation loan can also allow you to make small monthly payments by extending the loan period
3:00 AM  
Blogger Paul Adams
Hi Fellow! I was just searching blogs,and I found your site! I like it!
If you have a moment, please visit my site:
credit center
It covers credit center related contents.
All the best!
7:06 AM  
Blogger James Baker
I was searching blogs,and I found your site.Please,
accept my congratulations for your excellent work!
If you have a moment, please visit my site:
credit center
It pretty much covers credit center related issues.
Have a good day!
7:46 AM  
Blogger Joe Berenguer
I was searching blogs,and I found your site.Please,
accept my congratulations for your excellent work!
If you have a moment, please visit my site:
make money
It pretty much covers make money related issues.
Have a good day!
11:30 PM  
Blogger Joe Berenguer
Hey Blogger, you have a great blog here! I'm definitely going to bookmark you!
I have amake money site. It pretty much covers make money related subjects.
Come and check it out if you get time :-)
Best regards!
5:16 AM  
Anonymous make money
Hi Blogger!I like your blog! Keep up the
good work, you are providing a great resource on the Internet here!
If you have a moment, please take a look at my site:
make money
It pretty much covers make money related issues.
Best regards!
1:36 PM  
Anonymous make money
Hi Blogger!I like your blog! Keep up the
good work, you are providing a great resource on the Internet here!
If you have a moment, please take a look at my site:
make money
It pretty much covers make money related issues.
Best regards!
4:02 PM  
Anonymous Anonymous
Debt Consolidation
Debt Consolidation can help you reduce your interest burden by charging an interest rate lower than the rate on your existing loans. Debt consolidation loan can also allow you to make small monthly payments by extending the loan period
1:36 AM  
Anonymous Selling Crafts to Make Money
Hi there Blogger, a real useful blog.Keep with the good work.
If you have a moment, please visit my Selling Crafts to Make Money site.
I send you warm regards and wishes of continued success.
11:49 AM  
Anonymous personal development
Loved the site. I created this site self hypnosis in the hope that it would be useful and informative. I hope you get a chance to take a look.
12:42 PM  
Anonymous small business entrepreneur home based
Your blog I found to be very interesting!
I just came across your blog and wanted to
drop you a note telling you how impressed I was with
the information you have posted here.
I have a small business entrepreneur home based
site.
Come and check it out if you get time :-)
Best regards!
7:07 PM  
Blogger fish
When we are born our brains are like empty computers waiting to be fed information. As we grow our peers act as our programmers, they supply us with the knowledge which we channel through the conscious mind into the subconscious (our hard drive). The subconscious mind is the biggest hard drive ever developed - it stores everything we come in contact with and by no means is all of this information of a positive nature.
All that we have heard, touched, smelt, tasted and seen are stored in the recesses of our minds. The subconscious mind holds on to this information until we need to recall it. For example when you were young your curiosity lead you to investigate your surroundings. When you approached a substance that was dangerous, such as fire, your parents or guardians would most likely have rebuked or scolded you if you ventured too near the flame. Perhaps you may even recall an incident when you were physically burned. Your subconscious mind then began to relate scolding (or pain) with the intense heat of the fire and would therefore feed the feelings of the scolding incident back to you whenever you got too close to fire again, thus acting as an early warning system.
This is the mechanism used by our brains to learn. It is also the same method employed by the mind in every situation. The subconscious mind has a tendency to emulate what it sees - it tends to replicate its environment. This is why so many people find themselves in similar relationships and situations that they saw their parents in while they were growing up. Most people also hold very strongly or similar views of their parents.
Think of a time when you gave yourself praise. What words did you use? Do you use the same words that your parents or peers used when they were praising you? The same is applicable when you scold yourself.

Watch your internal dialogue. Look at it closely. It takes diligence to change the way you think. When you notice yourself thinking a negative chose to think the opposite. This way you neutralise the negative thought. Now the think the positive thought again! You have just reversed the negative thinking in that moment and remember you only have this moment. No other time exists!
Daydream about what might be. Imagine things they way you wish them to be. If you catch yourself thinking "this is just a daydream - a fantasy" then stop! Think the opposite. It is not a daydream it is your reality. Now think it again.

By doing this simple procedure you will begin to retrain your subconscious mind to think positively and you will ultimately begin to consciously create a life that dreams are made of! personal development plan
5:05 AM  
Anonymous real work at home business
I am here because of search results for blogs with a related topic to mine.
Please,accept my congratulations for your excellent work!
I have a real work at home business site.
Come and check it out if you get time :-)
Best regards!
11:54 PM  
Anonymous three bureau credit report
Hi Blogger, I found your blog quite informative.
I just came across your blog and wanted to
drop you a note telling you how impressed I was with it.
I give you my best wishes for your future endeavors.
If you have a moment, please visit my three bureau credit report site.
Have a great week!
2:42 AM  
Anonymous today interest rates
Hi Friend! You have a great blog over here!
Please accept my compliments and wishes for your happiness and success!
If you have a moment, please take a look at my today interest rates site.
Have a great day!
3:23 AM  
Anonymous real ways to make money
Your blog I found to be very interesting!
I just came across your blog and wanted to
drop you a note telling you how impressed I was with
the information you have posted here.
I have a real ways to make money
site.
Come and check it out if you get time :-)
Best regards!
6:44 AM  
Blogger make money online free!
Sure, making money online is possible! Take www.richin2006.com. This guy will show you how to work from home and earn cash. It belongs to a marketer who wants to help you succeed online. Check it out! Become Rich in 2006!
1:02 PM  
Anonymous real home based internet business
Hi there Blogger, a real useful blog.Keep with the good work.
If you have a moment, please visit my real home based internet business site.
I send you warm regards and wishes of continued success.
1:25 PM  
Anonymous real home based internet business
I am here because of search results for blogs with a related topic to mine.
Please,accept my congratulations for your excellent work!
I have a real home based internet business site.
Come and check it out if you get time :-)
Best regards!
2:09 PM  
Anonymous Anonymous
Debt Help
Debt Consolidation can help you reduce your interest burden by charging an interest rate lower than the rate on your existing loans. Debt consolidation loan can also allow you to make small monthly payments by extending the loan period
12:52 AM  
Anonymous Anonymous
Debt Consolidation
Debt Consolidation can help you reduce your interest burden by charging an interest rate lower than the rate on your existing loans. Debt consolidation loan can also allow you to make small monthly payments by extending the loan period
5:14 AM  
Anonymous Anonymous
Debt Settlement
Debt Consolidation can help you reduce your interest burden by charging an interest rate lower than the rate on your existing loans. Debt consolidation loan can also allow you to make small monthly payments by extending the loan period
2:19 PM  
Anonymous Anonymous
Debt Consolidation
Debt Consolidation can help you reduce your interest burden by charging an interest rate lower than the rate on your existing loans. Debt consolidation loan can also allow you to make small monthly payments by extending the loan period
3:00 PM  
Anonymous Anonymous
viagra
viagra help you with erectile disfunction also helps with your feelings of worth and well being you will wonder how you ever lived

with out get the real thing real cheap no fakes make your spouse happy while your hard
3:09 PM  
Anonymous Anonymous
viagra
viagra help you with erectile disfunction also helps with your feelings of worth and well being you will wonder how you ever lived

with out get the real thing real cheap no fakes make your spouse happy while your hard
3:15 PM  
Anonymous Anonymous
Hi, I was totally enthralled with the messages you have posted in this blog. Keep up the posts, I have added you to my favorites!


http://www.tonyapruitt.com
5:21 AM  
Anonymous online store home based business
I am here because of search results for blogs with a related topic to mine.
Please,accept my congratulations for your excellent work!
I have a online store home based business site.
Come and check it out if you get time :-)
Best regards!
11:03 AM  
Anonymous people make money
Hi there Blogger, a real useful blog.Keep with the good work.
If you have a moment, please visit my people make money site.
I send you warm regards and wishes of continued success.
12:36 PM  
Anonymous online business from home
Hey Fellow, you have a top-notch blog here!
If you have a moment, please have a look at my online business from home site.
Good luck!
10:39 AM  
Anonymous Anonymous
Debt Settlement
Debt Relief can help you reduce your interest burden by charging an interest rate lower than the rate on your existing loans. Debt consolidation loan can also allow you to make small monthly payments by extending the loan period
4:10 AM  
Anonymous online home business magazine
Hey Fellow, you have a top-notch blog here!
If you have a moment, please have a look at my online home business magazine site.
Good luck!
11:52 AM  
Anonymous new way to make money
Your blog I found to be very interesting!
I just came across your blog and wanted to
drop you a note telling you how impressed I was with
the information you have posted here.
I have a new way to make money
site.
Come and check it out if you get time :-)
Best regards!
3:37 PM  
Anonymous new home based business
I am here because of search results for blogs with a related topic to mine.
Please,accept my congratulations for your excellent work!
I have a new home based business site.
Come and check it out if you get time :-)
Best regards!
12:40 PM  
Anonymous Anonymous
Debt Settlement
Debt Relief can help you reduce your interest burden by charging an interest rate lower than the rate on your existing loans. Debt consolidation loan can also allow you to make small monthly payments by extending the loan period
http://www.debt-consolidation.com
6:51 AM  
Anonymous suntrust online banking
Hi Fellow! I was just searching blogs,and I found yours! I like it!
If you have a moment, please visit my suntrust online banking site.
Good luck!
12:12 PM  
Anonymous much money do you make
Hey Fellow, you have a top-notch blog here!
If you have a moment, please have a look at my much money do you make site.
Good luck!
9:55 AM  
Anonymous Anonymous
Debt Settlement
Debt Relief can help you reduce your interest burden by charging an interest rate lower than the rate on your existing loans. Debt consolidation loan can also allow you to make small monthly payments by extending the loan period
http://www.debt1consolidation.com
9:53 PM  
Anonymous money to make
Hey Fellow, you have a top-notch blog here!
If you have a moment, please have a look at my money to make site.
Good luck!
10:08 PM  
Anonymous mlm home business
A fantastic blog yours. Keep it up.
If you have a moment, please visit my mlm home business site.
I send you warm regards and wish you continued success.
8:16 AM  
Anonymous student debt help
Hello Friend! I just came across your blog and wanted to
drop you a note telling you how impressed I was with
the information you have posted here.
Keep up the great work, you are providing a great resource on the Internet here!
If you have a moment, please make a visit to my student debt help site.
Good luck in your endeavors!
4:18 AM  
Anonymous student debt help
Hello Friend! I just came across your blog and wanted to
drop you a note telling you how impressed I was with
the information you have posted here.
Keep up the great work, you are providing a great resource on the Internet here!
If you have a moment, please make a visit to my student debt help site.
Good luck in your endeavors!
4:18 AM  
Anonymous Peace of mind
Great blog! I was surfing the web to find tips on Peace of mind. If you are interested have a quick look at http://www.wellnessmaster.com so we can exchange ideas.
10:01 PM  
Anonymous Anonymous
Debt Settlement
Debt Relief can help you reduce your interest burden by charging an interest rate lower than the rate on your existing loans. Debt consolidation loan can also allow you to make small monthly payments by extending the loan period
http://www.debt-consolidation.com
8:56 AM  
Anonymous Anonymous
Debt Settlement
Debt Relief can help you reduce your interest burden by charging an interest rate lower than the rate on your existing loans. Debt consolidation loan can also allow you to make small monthly payments by extending the loan period
http://www.debt1consolidation.com
6:32 AM  
Anonymous make money while online
Hi there Blogger, a real useful blog.Keep with the good work.
If you have a moment, please visit my make money while online site.
I send you warm regards and wishes of continued success.
11:04 PM  
Anonymous make money while online
Hi there Blogger, a real useful blog.Keep with the good work.
If you have a moment, please visit my make money while online site.
I send you warm regards and wishes of continued success.
11:04 PM  
Anonymous Anonymous
Debt Settlement
Debt Relief can help you reduce your interest burden by charging an interest rate lower than the rate on your existing loans. Debt consolidation loan can also allow you to make small monthly payments by extending the loan period
http://www.debt-consolidation.com
1:03 AM  
Anonymous make money with a computer
Your blog I found to be very interesting!
I just came across your blog and wanted to
drop you a note telling you how impressed I was with
the information you have posted here.
I have a make money with a computer
site.
Come and check it out if you get time :-)
Best regards!
2:05 AM  
Anonymous make money with a computer
Your blog I found to be very interesting!
I just came across your blog and wanted to
drop you a note telling you how impressed I was with
the information you have posted here.
I have a make money with a computer
site.
Come and check it out if you get time :-)
Best regards!
2:05 AM  
Anonymous south texas deer leases
This is an excellent blog. Keep it going.You are providing
a great resource on the Internet here!
If you have a moment, please take a look at my south texas deer leases site.
Have a great week!
4:10 AM  
Anonymous totally free downloads
Hey, you have a great blog here! I'm definitely going to bookmark you!
I have a totally free downloads site.
Come and check it out if you get time :-)
Greetings.
1:53 PM  
Anonymous Anonymous
Walter Sucks
Walter is A THIEF Scam Walter owes me $4000.00
http://www.Superblogsubmittersucks.com
5:28 AM  
Anonymous Anonymous
Debt help
Debt can help you reduce your interest burden by charging an interest rate lower than the rate on your existing loans. Debt consolidation loan can also allow you to make small monthly payments by extending the loan period
http://www.debt-consolidation.com
10:28 AM  
Blogger vkk1_hypno
Many people know the importance of self confidence and try to boost their own by using many different personal development models. Self confidence to most people is the ability to feel at ease in most situations but low self confidence in many areas may be due to a lack of self esteem. Low self esteem takes a more subtle form that low self confidence. So if you are tired of feeling not good enough, afraid of moving towards your desires and goals, feel that no matter what you do it is just never good enough, then your self esteem could do with a boost.

Every day we make decisions based on our level of self-esteem. We also exhibit that level of self esteem to those around us through our behaviour. 90% of all communication is non-verbal - it is not what you say but ho you say it that matters! Your body language, tonality and facial gestures can all tell a completely different story to your words. It is our behaviour which influences others and people react to us by reading our non-verbal communications. Have you ever met someone you just didn't like although on the surface they seemed polite and courteous, or you met someone who seemed to speak confidently yet you knew they were really frightened underneath and just displaying bravado?

Parental and peer influences play a major part in moulding our level of self-esteem when we are children and in our early years of adolescence. The opinions of the people closest to us and how they reacted to us as individuals or part of the group was a dominant factor in the processes involved in forming our self esteem.

As adults we tend to perpetuate these beliefs about ourselves and in the vast majority of cases they are ridiculously erroneous. It is time to re-evaluate our opinion of ourselves and come to some new conclusions about these old belief patterns.

Ask yourself some serious question:
Is your long-held view about yourself accurate? Do we respect the sources from which we derived these beliefs? Most of the negative feedback we bought into as we were growing up actually came from people we have little or no respect for and as adults we would probably laugh their comments away! Yet the damage to your self esteem was done when you were very young and you still carry it with you to this day.

Is it possible that even those people you respected, who influenced your self-worth, were wrong? Perhaps they had low self esteem also.

As adults we have the opportunity to reshape our self-esteem. Try to judge accurately the feedback you receive from people you respect. This process will allow you to deepen your understanding of yourself and expand your self-image. It will also show you were you actually need to change things about yourself and were you don't. Many people are striving to better themselves in areas where they are just fine or actually excelling and it is only because they have an inaccurate picture of themselves in their minds due to low self esteem!

Setting small goals and achieving them will greatly boost your self-esteem. Identify your real weakness and strengths and begin a training program to better your inter-personal or professional skills. This will support you in your future big life goals and boost your self-esteem and self confidence to high levels you didn't existed!

Learn to recognise what makes you feel good about yourself and do more of it. Everyone has certain things that they do which makes them feel worthwhile but people with low self esteem tend to belittle these feelings or ignore them.

Take inventory of all the things that you have already accomplished in your life no matter how small they may seem. Recognise that you have made achievements in your life and remember all the positive things that you have done for yourself and others. Take a note of your failures and don't make excuses like "I'm just not good enough" or "I just knew that would happen to me", analyse the situation and prepare yourself better for the next time. If someone else created success, regardless of the obstacles, then you are capable of doing the same! Remember everyone has different strengths and weakness so do not judge your own performance against that of another just use them as inspiration and know that what one human being has achieved so can another!

Surround yourself with people who respect you and want what is best for you - people who are honest about your strengths and will help you work through your weakness. Give the same level of support to them!

Avoid people who continually undermine you or make you feel small. These people are just displaying very low self esteem. As your own self esteem grows you will find that you are no longer intimidated by another's self confidence or success and you can actually be joyful for them! Do things you love to do and that make you happy. A truly happy person never has low self esteem they are too busy enjoying life! By getting busy living your life with passion and joy you will not be able to be self-consciousness.

If you find yourself feeling self-conscious in any situation focus on the fact that others can tell and many of them will be feeling the same. Be honest. People respond to someone better if they openly say "To tell you the truth I'm a bit nervous" rather than displaying bravo or fake confidence that they can see right through. Their reactions to you, will show your mind at a deep level, that there was actually nothing to be frightened of and everything is great. If someone reacts to this negatively they are just displaying low self esteem and very quickly you will find others noticing this! Really listen to people when they talk to you instead of running through all the negative things that could happen in your head or focusing on your lack of confidence. People respond to someone who is truly with them in the moment..

Breath deeply and slow down. Don't rush to do things.

Stop the negative talk! 'I'm no good at that' or "I couldn't possibly do that" are affirmations that support your lack of self esteem. Instead say "I have never done that before but I am willing to try" or "how best can I do that?". Which leads us to the last point - the quality of the questions you ask yourself s very important.
When you ask a question it almost always has a preposition in it. For example, "How did I mess that up?" presumes that something was messed up, a better way of phrasing the question would be "what way can I fix this quickly?", as this presumes you can and will fix it. Or "How am I ever going to reach my goal?" could be rephrased as "what way will lead me to my goal quicker" presumes that you are going to reach your goal! Get the picture? Change the quality of your questions and your results will change!

Practise these techniques and watch your self esteem rise day by day. personal development
2:14 AM  
Anonymous sale lease back
I am here because of search results for blogs with a related topic to mine.
Please,accept my congratulations for your excellent work!
I have a sale lease back site.
Come and check it out if you get time :-)
Best regards!
5:01 PM  
Anonymous make money taking photos
Hi Friend! You have a great blog over here!
Please accept my compliments and wishes for your happiness and success!
If you have a moment, please take a look at my make money taking photos site.
Have a great day!
12:32 PM  
Blogger Debt Consolidation Refinance
Typical blog. I was hoping to find some useful tips about stuff, but people tend to just vent on these things. Well, I won't let that stop me from contributing something helpful. I recently was on Poor credit home loan and discovered http:\\thehomefinanceguide.com which is all about how to get a california mortgage even with bad credit. I didn't think that I qualified, but I was wrong. It's amazing what is available to you in regarding to obtaining a real estate loan. http:\\thehomefinanceguide.com helped me immensly. They made my dream of becoming a California homeowner true! I couldn't be happier to know that I have something that is mine that I can pass down to my kids.
9:21 PM  
Anonymous Scott Arthur Edwards
Dear friends, here is a really cool site that gives you a lot of FREE information that you can really use. Get FREE Daily and Weekly Foreign Exchange Outlook, Rates, Trends and Currency Shifts. Click here: FOREX
12:07 PM  
Anonymous Anonymous
Debt Consolidation
Debt Help Loans can help you reduce your interest burden by charging an interest rate lower than the rate on your existing loans. Debt consolidation loan can also allow you to make small monthly payments
http://www.debt-consolidation.com
6:51 AM  
Anonymous Anonymous
Making money opportunity, Some popular casino games online you can find at web casino but the most gambling
casino games is fun to play, the news promoting how to play poker and another online casino games
so the world's population choosing play and search for gambling news in www.borderlinecasino.com casino fun online games!! www.great-casino.org most popular casino sites!!!
2:59 AM  
Anonymous Anonymous
Dear friends, Now you can help yourself take advantage of the huge frenzy of FREE advertising in your spare time, while in the comfort of your own home. Hook up NOW with this exiting program. Click here: FREE INFORMATION
6:31 AM  
Anonymous Anonymous
Credit Repair: Self Help May Be Best

You see the advertisements in newspapers, on TV, and on the Internet. You hear them on the radio. You get fliers in the mail. You may even get calls from telemarketers offering credit repair services. They all make the same claims:


“Credit problems? No problem!”

“We can erase your bad credit — 100% guaranteed.”

“Create a new credit identity — legally.”

“We can remove bankruptcies, judgments, liens, and bad loans from your credit file forever!”

Do yourself a favor and save some money, too. Don’t believe these statements. Only time, a conscious effort, and a personal debt repayment plan will improve your credit report.
This brochure explains how you can improve your creditworthiness and gives legitimate resources for low or no-cost help.

The Scam

Everyday, companies nationwide appeal to consumers with poor credit histories. They promise, for a fee, to clean up your credit report so you can get a car loan, a home mortgage, insurance, or even a job. The truth is, they can’t deliver. After you pay them hundreds or thousands of dollars in fees, these companies do nothing to improve your credit report; most simply vanish with your money.


The Warning Signs

If you decide to respond to a credit repair offer, look for these tell-tale signs of a scam:

companies that want you to pay for credit repair services before they provide any services.

companies that do not tell you your legal rights and what you can do for yourself for free.

companies that recommend that you not contact a credit reporting company directly.

companies that suggest that you try to invent a “new” credit identity — and then, a new credit report — by applying for an Employer Identification Number to use instead of your Social Security number.

companies that advise you to dispute all information in your credit report or take any action that seems illegal, like creating a new credit identity. If you follow illegal advice and commit fraud, you may be subject to prosecution.

You could be charged and prosecuted for mail or wire fraud if you use the mail or telephone to apply for credit and provide false information. It’s a federal crime to lie on a loan or credit application, to misrepresent your Social Security number, and to obtain an Employer Identification Number from the Internal Revenue Service under false pretenses.
Under the Credit Repair Organizations Act, credit repair companies cannot require you to pay until they have completed the services they have promised.

The Truth

No one can legally remove accurate and timely negative information from a credit report. The law allows you to ask for an investigation of information in your file that you dispute as inaccurate or incomplete. There is no charge for this. Everything a credit repair clinic can do for you legally, you can do for yourself at little or no cost. According to the Fair Credit Reporting Act (FCRA):

You’re entitled to a free report if a company takes adverse action against you, like denying your application for credit, insurance, or employment, and you ask for your report within 60 days of receiving notice of the action. The notice will give you the name, address, and phone number of the consumer reporting company. You’re also entitled to one free report a year if you’re unemployed and plan to look for a job within 60 days; if you’re on welfare; or if your report is inaccurate because of fraud, including identity theft.

Each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — is required to provide you with a free copy of your credit report, at your request, once every 12 months.
The three companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report. To order, click on annualcreditreport.com, call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. You can print the form from ftc.gov/credit Do not contact the three nationwide consumer reporting companies individually. They are providing free annual credit reports only through annualcreditreport.com, 1-877-322-8228, and Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. You may order your reports from each of the three nationwide consumer reporting companies at the same time, or you can order your report from each of the companies one at a time. For more information, see Your Access to Free Credit Reports at ftc.gov/credit
Otherwise, a consumer reporting company may charge you up to $9.50 for another copy of your report within a 12-month period.

You can dispute mistakes or outdated items for free. Under the FCRA, both the consumer reporting company and the information provider (that is, the person, company, or organization that provides information about you to a consumer reporting company) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under this law, contact the consumer reporting company and the information provider.

STEP ONE
Tell the consumer reporting company, in writing, what information you think is inaccurate. Include copies (NOT originals) of documents that support your position. In addition to providing your complete name and address, your letter should clearly identify each item in your report you dispute, state the facts and explain why you dispute the information, and request that it be removed or corrected. You may want to enclose a copy of your report with the items in question circled. Your letter may look something like the one on page 6. Send your letter by certified mail, “return receipt requested,” so you can document what the consumer reporting company received. Keep copies of your dispute letter and enclosures.

Consumer reporting companies must investigate the items in question — usually within 30 days — unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a dispute from the consumer reporting company, it must investigate, review the relevant information, and report the results back to the consumer reporting company. If the information provider finds the disputed information is inaccurate, it must notify all three nationwide consumer reporting companies so they can correct the information in your file.

When the investigation is complete, the consumer reporting company must give you the results in writing and a free copy of your report if the dispute results in a change. If an item is changed or deleted, the consumer reporting company cannot put the disputed information back in your file unless the information provider verifies that it is accurate and complete. The consumer reporting company also must send you written notice that includes the name, address, and phone number of the information provider.

If you request, the consumer reporting company must send notices of any correction to anyone who received your report in the past six months. You can have a corrected copy of your report sent to anyone who received a copy during the past two years for employment purposes.

If an investigation doesn’t resolve your dispute with the consumer reporting company, you can ask that a statement of the dispute be included in your file and in future reports. You also can ask the consumer reporting company to provide your statement to anyone who received a copy of your report in the recent past. You can expect to pay a fee for this service.

STEP TWO
Tell the creditor or other information provider, in writing, that you dispute an item. Be sure to include copies (NOT originals) of documents that support your position. Many providers specify an address for disputes. If the provider reports the item to a consumer reporting company, it must include a notice of your dispute. And if you are correct – that is, if the information is found to be inaccurate – the information provider may not report it again.

For more information, see How to Dispute Credit Report Errors at ftc.gov/credit

Reporting Accurate Negative Information

When negative information in your report is accurate, only the passage of time can assure its removal. A consumer reporting company can report most accurate negative information for seven years and bankruptcy information for 10 years. Information about an unpaid judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer. There is no time limit on reporting: information about criminal convictions; information reported in response to your application for a job that pays more than $75,000 a year; and information reported because you’ve applied for more than $150,000 worth of credit or life insurance. There is a standard method for calculating the seven-year reporting period. Generally, the period runs from the date that the event took place.

For more information, see Building a Better Credit Report at ftc.gov/credit

The Credit Repair Organizations Act

By law, credit repair organizations must give you a copy of the “Consumer Credit File Rights Under State and Federal Law” before you sign a contract. They also must give you a written contract that spells out your rights and obligations. Read these documents before you sign anything. The law contains specific protections for you. For example, a credit repair company cannot:

make false claims about their services

charge you until they have completed the promised services

perform any services until they have your signature on a written contract and have completed a three-day waiting period. During this time, you can cancel the contract without paying any fees

Your contract must specify:
the payment terms for services, including their total cost

a detailed description of the services to be performed

how long it will take to achieve the results

any guarantees they offer

the company’s name and business address

Have You Been Victimized?

Many states have laws regulating credit repair companies. State law enforcement officials may be helpful if you’ve lost money to credit repair scams.

If you’ve had a problem with a credit repair company, don’t be embarrassed to report it. While you may fear that contacting the government will only make your problems worse, remember that laws are in place to protect you. Contact your local consumer affairs office or your state Attorney General (AGs). Many AGs have toll-free consumer hotlines. Check the Blue Pages of your telephone directory for the phone number or check www.naag.org for a list of state Attorneys General.


Need Help? Don’t Despair

Just because you have a poor credit report doesn’t mean you won’t be able to get credit. Creditors set their own credit-granting standards and not all of them look at your credit history the same way. Some may look only at more recent years to evaluate you for credit, and they may grant credit if your bill-paying history has improved. It may be worthwhile to contact creditors informally to discuss their credit standards.

If you’re not disciplined enough to create a workable budget and stick to it, work out a repayment plan with your creditors, or keep track of mounting bills, consider contacting a credit counseling organization. Many credit counseling organizations are nonprofit and work with you to solve your financial problems. But not all are reputable. For example, just because an organization says it’s “nonprofit,” there’s no guarantee that its services are free, affordable, or even legitimate. In fact, some credit counseling organizations charge high fees, or hide their fees by pressuring consumers to make “voluntary” contributions that only cause more debt.

Most credit counselors offer services through local offices, the Internet, or on the telephone. If possible, find an organization that offers in-person counseling. Many universities, military bases, credit unions, housing authorities, and branches of the U.S. Cooperative Extension Service operate nonprofit credit counseling programs. Your financial institution, local consumer protection agency, and friends and family also may be good sources of information and referrals.

If you are considering filing for bankruptcy, you should know about one major change to the bankruptcy laws: As of October 17, 2005, you must get credit counseling from a government-approved organization within six months before you file for bankruptcy relief. You can find a state-by-state list of government-approved organizations at www.usdoj.gov/ust That is the website of the U.S. Trustee Program, the organization within the U.S. Department of Justice that supervises bankruptcy cases and trustees.

Reputable credit counseling organizations can advise you on managing your money and debts, help you develop a budget, and offer free educational materials and workshops. Their counselors are certified and trained in the areas of consumer credit, money and debt management, and budgeting. Counselors discuss your entire financial situation with you, and help you develop a personalized plan to solve your money problems. An initial counseling session typically lasts an hour, with an offer of follow-up sessions.

For more information, see Knee Deep in Debt and Fiscal Fitness: Choosing a Credit Counselor at ftc.gov/credit

Do-It-Yourself Check-Up
Even if you don’t have a poor credit history, some financial advisors and consumer advocates suggest you review your credit report periodically


because the information it contains affects whether you can get a loan or insurance — and how much you will have to pay for it.

to make sure the information is accurate, complete, and up-to-date before you apply for a loan for a major purchase like a house or car, buy insurance, or apply for a job.

to help guard against identity theft. That’s when someone uses your personal information — like your name, your Social Security number, or your credit card number — to commit fraud. Identity thieves may use your information to open a new credit card account in your name. Then, when they don’t pay the bills, the delinquent account is reported on your credit report. Inaccurate information like that could affect your ability to get credit, insurance, or even a job.

Sample Dispute Letter

Date
Your Name
Your Address
Your City, State, Zip Code

Complaint Department
Name of Company
Address
City, State, Zip Code

Dear Sir or Madam:

I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received.

This item (identify item(s) disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc.) is (inaccurate or incomplete) because (describe what is inaccurate or incomplete and why). I am requesting that the item be deleted (or request another specific change) to correct the information.

Enclosed are copies of (use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents) supporting my position. Please investigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible.

Sincerely,
Your name


Enclosures: (List what you are enclosing)


The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues visit www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.


Credit Repair: Self Help May Be Best

You see the advertisements in newspapers, on TV, and on the Internet. You hear them on the radio. You get fliers in the mail. You may even get calls from telemarketers offering credit repair services. They all make the same claims:


“Credit problems? No problem!”

“We can erase your bad credit — 100% guaranteed.”

“Create a new credit identity — legally.”

“We can remove bankruptcies, judgments, liens, and bad loans from your credit file forever!”

Do yourself a favor and save some money, too. Don’t believe these statements. Only time, a conscious effort, and a personal debt repayment plan will improve your credit report.
This brochure explains how you can improve your creditworthiness and gives legitimate resources for low or no-cost help.

The Scam

Everyday, companies nationwide appeal to consumers with poor credit histories. They promise, for a fee, to clean up your credit report so you can get a car loan, a home mortgage, insurance, or even a job. The truth is, they can’t deliver. After you pay them hundreds or thousands of dollars in fees, these companies do nothing to improve your credit report; most simply vanish with your money.


The Warning Signs

If you decide to respond to a credit repair offer, look for these tell-tale signs of a scam:

companies that want you to pay for credit repair services before they provide any services.

companies that do not tell you your legal rights and what you can do for yourself for free.

companies that recommend that you not contact a credit reporting company directly.

companies that suggest that you try to invent a “new” credit identity — and then, a new credit report — by applying for an Employer Identification Number to use instead of your Social Security number.

companies that advise you to dispute all information in your credit report or take any action that seems illegal, like creating a new credit identity. If you follow illegal advice and commit fraud, you may be subject to prosecution.

You could be charged and prosecuted for mail or wire fraud if you use the mail or telephone to apply for credit and provide false information. It’s a federal crime to lie on a loan or credit application, to misrepresent your Social Security number, and to obtain an Employer Identification Number from the Internal Revenue Service under false pretenses.
Under the Credit Repair Organizations Act, credit repair companies cannot require you to pay until they have completed the services they have promised.

The Truth

No one can legally remove accurate and timely negative information from a credit report. The law allows you to ask for an investigation of information in your file that you dispute as inaccurate or incomplete. There is no charge for this. Everything a credit repair clinic can do for you legally, you can do for yourself at little or no cost. According to the Fair Credit Reporting Act (FCRA):

You’re entitled to a free report if a company takes adverse action against you, like denying your application for credit, insurance, or employment, and you ask for your report within 60 days of receiving notice of the action. The notice will give you the name, address, and phone number of the consumer reporting company. You’re also entitled to one free report a year if you’re unemployed and plan to look for a job within 60 days; if you’re on welfare; or if your report is inaccurate because of fraud, including identity theft.

Each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — is required to provide you with a free copy of your credit report, at your request, once every 12 months.
The three companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report. To order, click on annualcreditreport.com, call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. You can print the form from ftc.gov/credit Do not contact the three nationwide consumer reporting companies individually. They are providing free annual credit reports only through annualcreditreport.com, 1-877-322-8228, and Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. You may order your reports from each of the three nationwide consumer reporting companies at the same time, or you can order your report from each of the companies one at a time. For more information, see Your Access to Free Credit Reports at ftc.gov/credit
Otherwise, a consumer reporting company may charge you up to $9.50 for another copy of your report within a 12-month period.

You can dispute mistakes or outdated items for free. Under the FCRA, both the consumer reporting company and the information provider (that is, the person, company, or organization that provides information about you to a consumer reporting company) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under this law, contact the consumer reporting company and the information provider.

STEP ONE
Tell the consumer reporting company, in writing, what information you think is inaccurate. Include copies (NOT originals) of documents that support your position. In addition to providing your complete name and address, your letter should clearly identify each item in your report you dispute, state the facts and explain why you dispute the information, and request that it be removed or corrected. You may want to enclose a copy of your report with the items in question circled. Your letter may look something like the one on page 6. Send your letter by certified mail, “return receipt requested,” so you can document what the consumer reporting company received. Keep copies of your dispute letter and enclosures.

Consumer reporting companies must investigate the items in question — usually within 30 days — unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a dispute from the consumer reporting company, it must investigate, review the relevant information, and report the results back to the consumer reporting company. If the information provider finds the disputed information is inaccurate, it must notify all three nationwide consumer reporting companies so they can correct the information in your file.

When the investigation is complete, the consumer reporting company must give you the results in writing and a free copy of your report if the dispute results in a change. If an item is changed or deleted, the consumer reporting company cannot put the disputed information back in your file unless the information provider verifies that it is accurate and complete. The consumer reporting company also must send you written notice that includes the name, address, and phone number of the information provider.

If you request, the consumer reporting company must send notices of any correction to anyone who received your report in the past six months. You can have a corrected copy of your report sent to anyone who received a copy during the past two years for employment purposes.

If an investigation doesn’t resolve your dispute with the consumer reporting company, you can ask that a statement of the dispute be included in your file and in future reports. You also can ask the consumer reporting company to provide your statement to anyone who received a copy of your report in the recent past. You can expect to pay a fee for this service.

STEP TWO
Tell the creditor or other information provider, in writing, that you dispute an item. Be sure to include copies (NOT originals) of documents that support your position. Many providers specify an address for disputes. If the provider reports the item to a consumer reporting company, it must include a notice of your dispute. And if you are correct – that is, if the information is found to be inaccurate – the information provider may not report it again.

For more information, see How to Dispute Credit Report Errors at ftc.gov/credit

Reporting Accurate Negative Information

When negative information in your report is accurate, only the passage of time can assure its removal. A consumer reporting company can report most accurate negative information for seven years and bankruptcy information for 10 years. Information about an unpaid judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer. There is no time limit on reporting: information about criminal convictions; information reported in response to your application for a job that pays more than $75,000 a year; and information reported because you’ve applied for more than $150,000 worth of credit or life insurance. There is a standard method for calculating the seven-year reporting period. Generally, the period runs from the date that the event took place.

For more information, see Building a Better Credit Report at ftc.gov/credit

The Credit Repair Organizations Act

By law, credit repair organizations must give you a copy of the “Consumer Credit File Rights Under State and Federal Law” before you sign a contract. They also must give you a written contract that spells out your rights and obligations. Read these documents before you sign anything. The law contains specific protections for you. For example, a credit repair company cannot:

make false claims about their services

charge you until they have completed the promised services

perform any services until they have your signature on a written contract and have completed a three-day waiting period. During this time, you can cancel the contract without paying any fees

Your contract must specify:
the payment terms for services, including their total cost

a detailed description of the services to be performed

how long it will take to achieve the results

any guarantees they offer

the company’s name and business address

Have You Been Victimized?

Many states have laws regulating credit repair companies. State law enforcement officials may be helpful if you’ve lost money to credit repair scams.

If you’ve had a problem with a credit repair company, don’t be embarrassed to report it. While you may fear that contacting the government will only make your problems worse, remember that laws are in place to protect you. Contact your local consumer affairs office or your state Attorney General (AGs). Many AGs have toll-free consumer hotlines. Check the Blue Pages of your telephone directory for the phone number or check www.naag.org for a list of state Attorneys General.


Need Help? Don’t Despair

Just because you have a poor credit report doesn’t mean you won’t be able to get credit. Creditors set their own credit-granting standards and not all of them look at your credit history the same way. Some may look only at more recent years to evaluate you for credit, and they may grant credit if your bill-paying history has improved. It may be worthwhile to contact creditors informally to discuss their credit standards.

If you’re not disciplined enough to create a workable budget and stick to it, work out a repayment plan with your creditors, or keep track of mounting bills, consider contacting a credit counseling organization. Many credit counseling organizations are nonprofit and work with you to solve your financial problems. But not all are reputable. For example, just because an organization says it’s “nonprofit,” there’s no guarantee that its services are free, affordable, or even legitimate. In fact, some credit counseling organizations charge high fees, or hide their fees by pressuring consumers to make “voluntary” contributions that only cause more debt.

Most credit counselors offer services through local offices, the Internet, or on the telephone. If possible, find an organization that offers in-person counseling. Many universities, military bases, credit unions, housing authorities, and branches of the U.S. Cooperative Extension Service operate nonprofit credit counseling programs. Your financial institution, local consumer protection agency, and friends and family also may be good sources of information and referrals.

If you are considering filing for bankruptcy, you should know about one major change to the bankruptcy laws: As of October 17, 2005, you must get credit counseling from a government-approved organization within six months before you file for bankruptcy relief. You can find a state-by-state list of government-approved organizations at www.usdoj.gov/ust That is the website of the U.S. Trustee Program, the organization within the U.S. Department of Justice that supervises bankruptcy cases and trustees.

Reputable credit counseling organizations can advise you on managing your money and debts, help you develop a budget, and offer free educational materials and workshops. Their counselors are certified and trained in the areas of consumer credit, money and debt management, and budgeting. Counselors discuss your entire financial situation with you, and help you develop a personalized plan to solve your money problems. An initial counseling session typically lasts an hour, with an offer of follow-up sessions.

For more information, see Knee Deep in Debt and Fiscal Fitness: Choosing a Credit Counselor at ftc.gov/credit

Do-It-Yourself Check-Up
Even if you don’t have a poor credit history, some financial advisors and consumer advocates suggest you review your credit report periodically


because the information it contains affects whether you can get a loan or insurance — and how much you will have to pay for it.

to make sure the information is accurate, complete, and up-to-date before you apply for a loan for a major purchase like a house or car, buy insurance, or apply for a job.

to help guard against identity theft. That’s when someone uses your personal information — like your name, your Social Security number, or your credit card number — to commit fraud. Identity thieves may use your information to open a new credit card account in your name. Then, when they don’t pay the bills, the delinquent account is reported on your credit report. Inaccurate information like that could affect your ability to get credit, insurance, or even a job.

Sample Dispute Letter

Date
Your Name
Your Address
Your City, State, Zip Code

Complaint Department
Name of Company
Address
City, State, Zip Code

Dear Sir or Madam:

I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received.

This item (identify item(s) disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc.) is (inaccurate or incomplete) because (describe what is inaccurate or incomplete and why). I am requesting that the item be deleted (or request another specific change) to correct the information.

Enclosed are copies of (use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents) supporting my position. Please investigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible.

Sincerely,
Your name


Enclosures: (List what you are enclosing)


The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues visit www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

5:24 AM  
Anonymous Anonymous
Good design!
[url=http://xopgkdry.com/temz/owun.html]My homepage[/url] | [url=http://iwioregj.com/lulo/aqzw.html]Cool site[/url]
7:19 PM  
Anonymous Anonymous
Thank you!
My homepage | Please visit
7:20 PM  
Anonymous Anonymous
Well done!
http://xopgkdry.com/temz/owun.html | http://khsmrjnu.com/nuzn/kcby.html
7:21 PM  
Anonymous Anonymous
I had a friend that told me about VicerexLabs. He gave me a couple pills to try and may I say WOW what a differance it made. I was surprised that everything that was said on the website was correct and true.
7:03 AM  
Anonymous Anonymous
Hey Guys if you have been dumped by adsense or given the run around by Yahoo then you need to look at this, Fair Ads Network are only taken 10,000 members then they are closing the doors, I suggest that you take a look Now before its too late : http://fairadsnetwork.com/034704959097
8:35 PM  
Anonymous Anonymous
WORRY NO MORE ABOUT card consolidation counseling credit credit debt non profit BECAUSE LINKREFERRAL IS HERE AND IT IS FREE!! CLEAR YOUR DEBTS AND BUILD UP SAVINGS AND IT DOESN'T COST A BEAN!!
10:04 PM  
Anonymous Anonymous
Asbestos is a naturally occurring silicate mineral with long, thin fibrous crystals. The word asbestos is derived from a Greek adjective meaning inextinguishable. The Greeks termed asbestos the miracle mineral because of its soft and pliant properties, as well as its ability to withstand heat.Asbestos is known to have toxicity. The inhalation of toxic asbestos fibers can cause serious illnesses, including malignant mesothelioma, lung cancer, and asbestosis. Since the mid 1980s, many uses of asbestos have been banned in several countries.Asbestos became increasingly popular among manufacturers and builders in the late 19th century because of its resistance to heat, electricity and chemical damage, its sound absorption and tensile strength. When asbestos is used for its resistance to fire or heat, the fibers are often mixed with cement or woven into fabric or mats. Asbestos was used in some products for its heat resistance, and in the past was used on electric oven and hotplate wiring for its electrical insulation at elevated temperature, and in buildings for its flame-retardant and insulating properties, tensile strength flexibility, and resistance to chemicals.
5:50 AM  
Anonymous Anonymous
Bay Area Funeral Service - San Jose Funeral Home
San Jose Funeral Home serving the whole Bay Area for all of your funeral needs: Memorial Services, Cremation servies, Graveside Services 408-621-1271
bayareafuneralservice.com
5:58 AM  

Post a Comment

Return to Main Page