Saturday, 30 August 2014, NEW YORK, NEW YORK - For readers who are retired or in any case just not tied to the United States with a physical or mental ball and chain the Ninth Amendment Editorial Board congratulates and thanks the New York Times for reminding us all that our lives remain ours alone to do with what we wish and do not belong to the military-industrial-pharmaceutical-"political consultant" corporate state relentlessly advertising unneeded garbage and unconstitutional wars which would have us all spending our lives locked up as hostages mind and body under constant threat of unlawful State surveillance on a layaway plan sofa in front of a layaway plan plasmavision receiving deceptively overpriced empty brainless programming endlessly watching CNN looping bogus horrorshows insuring our pure terror of the street right outside our door while we watch Anderson Cooper stroll around the world for lunch us left watching wide-eyed stuck deep in the grid drowning in an overwhelming excess of junk they would sell us until we are buried flailing under sheer mindless repetition which we do not want nor need but striving in our minds alone while doing absolutely nothing for the fake plastic lives we would never have buying remedies for ailments we do not even have but that can blind or kill us in an instant up until that final moment when the picture shatters from pixels to static squandering the remainder of our pathetic lives paying off debt to credit card bank and payday loan usurers for E-Z credit to pay off other E-Z credit or buy more useless junk long ago lost or forgotten rotting in a landfill and have us above all lusting for plastic cars which depreciate faster than the blink of an eye like dropping from a cliff to elevator music and for mortgages which we could not afford while constantly bombarded by the noise of hawkers and screamers and of course the biggest crooks of any in the world just Google "Bank of America" and "crime" to see who steals ten billion dollars in a heartbeat over and over and over again.
Whoa now in the words of Hunter S. Thompson "Did we say that?. . . Well we must have meant it." For interested readers the link below is to a New York Times article in which one who is so inclined can read of over 360,000 Americans who receive their Social Security overseas, who in many cases have sold their houses and all their possessions in the United States, who spend less and live better than they ever did in the U.S., who owe nothing to anyone, who live on $150 a month, and have found ways all as detailed with links in the Times article to find transportation and places to stay for nothing or next-to-nothing as they have traveled from state-to-state and country-to-country so extensively it is beyond what they ever believed they could back when they were locked in the grid lives they thought were controlled by government and media inspired fear and terror relentlessly pounded into their brains with of course always the backdrop of invaluable advice of the U.S. State Department where not to travel (in 1963) which as we recall from our travels abroad on a few continents was infamous among travelers for its largely worthless notoriously outdated warnings of where to avoid and its uncanny ability completely to miss the spots where one most easily could be killed.
http://www.nytimes.com/2014/08/30/business/increasingly-retirees-dump-their-possessions-and-hit-the-road.html?action=click&contentCollection=Business%20Day&module=MostEmailed&version=Full®ion=Marginalia&src=me&pgtype=article
Copyright 2014 Martin P. All World Rights Expressly Reserved
The Ninth Amendment to the Constitution is the strongest statement therein that powers not expressly granted the State are retained as rights of the People. The State has misconstrued, misrepresented, ignored, and denied the People's rights by elimination of protections reserved alone to them, not recognized by the Supreme Court, the Legislative, and worst the Executive Branch in the illegitimate exercise of draconian powers which unlawfully disparage the inalienable rights of the People.
Showing posts with label credit. Show all posts
Showing posts with label credit. Show all posts
30 August 2014
23 July 2014
CREDO Mobile Offers $650 Early Termination Plus Device Trade-In Credit To Escape Other Mobile Carriers' Contract Hell And One Year 25% Off Monthly Data Through This Friday 25 July 2014 Only
Wednesday, 23 July 2014, SAN FRANCISCO, CA - The Ninth Amendment posts the below CREDO Mobile offer based on past interest of readers in prior posts on such offers. As with any product or commercial item or any other information regarding matters such as health care or drug savings included in the body of a post neither the Ninth Amendment nor anyone associated with the Ninth Amendment in no way receives any remuneration nor financial benefit whatsoever from the inclusion or communication in a post of this information nor does the Ninth Amendment before or after the publication of such posts in any way communicate with any other party whatsoever any plan to publish nor the publication of such consumer savings information in any Ninth Amendment post.
Jul 22 at 11:56 AM
| |||||||||||||||||||||||
04 October 2013
CREDO Phone Service Save Money Get Your Full Cash Credit Switch Back From ATT And Verizon Contract Hell, Plus Stop Readers' Payments Funding Senator Superstupid Ted Cruz "Tea Party" Titantic Plus All Giant ATT And Verizon Giveaways
Friday, 4 Octobeer 2013, WASHINGTON, D.C. - Superstupid Senator Ted Cruz (R- Texas, surprise, surprise) what more perfect de facto voice of that awesome phenomenon in the United States come to be known as the "Tea Party". The name evokes richly textured small-town communities of mostly more mature thoughtful women discussing topics in knitting circles with others they may have known for decades, not to mention of course the seminal American historical Revolutionary event which started the United States on its long and hard-fought road to independence.
Only fitting that Cruzian "Tea Partiers" of today distort that essential foundation of our Nation's history to debase it to a series of meaningless noisemaker events worthy of nothing more than the decimation of a collapsing country. Only this country to be rendered once again into the Republicans' timelessly failed recipe for repeated homeland economic disasters a la "Apocalypse Now", copyright the Doors, is our own fault.
As usual the big-slime corporate donors want readers wrongly to believe "they are helpless" but to keep dumping money in the coffers of social pariahs like ATT and Verizon busy using confused callers perpetually extending "contract fees" (i.e. their latest consumer ripoffs) vying for those coveted front tables at the latest iteration of their "Tea Party" luncheon where they can sit just feet (oh boy!) from the Superstupid Tea Partier Supreme (yesterday dragged from the House of Reprsentatives because he did not know which house of Congress to which he belonged blabbing his phony filibuster). Sentaor Cruz may have his no doubt gathering henchman explain to him who is giving what so that it is easier to keep it straight on "payback" day, which in the Republican spirit unabashedly was cemented by former movie star and poster child for the disadvantaged Ronald Reagan.
As best we recall before his Presidential inauguration speech had even begun Reagan's staff already had started working the front rows assuring luminaries such as then Searle President ("Pigheart") Cheney that that pesky aspartame ruling (causes brain cancer, does not everything?) would be reversed as soon as "Big Ron" could be taught to sign (no, NOT PRINT) his name to the orders to the FDA Administrator. No need to wait even until the Administrator could be replaced with someone more "enlightened", or should we say "encumbered" with the famous Cheney signature pallets of crisp new stacks of $100 bills straight from the mint press to the helipad do NOT pass time-consuming bill serial number recording.
Speaking of brain cancer why not FINALLY ALREADY turn our attention back to today and the selfless generosity of ATT and Verizon wireless extended to the "Tea Party" morons and most of all their self-styled brainless leader Senator Ted Cruz, hear the tea spoons clanking around in his empty noggin?). The link below will help fill in those "interested" (or shall we just say "thoroughly nauseated" readers) with fascinating key participation of these well-practiced sleight-of-contract cellphone grifters ATT and Verizon whom we might thank our lucky stars do not get in the automobile sales, leasing and repair business (as far as we know, that is) were we not reasonably confident that they left no stone unturned getting a hand in EVERYONE's pocket except maybe in those countries which do not yet have pockets.
The reported facts are presented in the CREDO cellular service advertisement set out below but are worthy of brief empahsis here. CREDO by the way is the modern-day mobile iteration of Working Assets which was the pioneer in social activism amongst long-distance landline carriers which monthly let its callers make free long-distance telephone calls directly to provided direct-dial numbers of callers representatives in Washington.
The Ninth Amendment log does not take any money or remuneration whatsoever for any commercial interest that we on a unanimous vote of the editorial board believe worth of presenting in the body of a post. We have never spoken or communicated in any way with any such entity when we have made recommendations solely on the basis of our own observations and opinions. Likewise no guarantees, although we try to be sparing with only those recommendations we deem most worthy of mention in hopes that they may raise readers knowledge base and standard of living as better, more broadly informed consumers. The Ninth Amendment does not however exercise any control over advertisements in the borders of this log chosen through an auction process by Google adsense, and on which we give no input. Readers are encouraged as always to do their own research. For allegedly untracked and unrecorded queries on subjects with a secure connection when available the Ninth Amendment frequently does "searches" with qrobe.it (HTTPS) which is so described by Mozilla.org for its Firefox browser as an additional search engine which can be added to the drop-down search box list by going to the term "Manage Search Engines" after which point it remains available on the drop-down list. The link below the CREDO notice contains the terms of the CREDO mobile offer.
Copyright 2014 Big M All World Rights Expressly Reserved (no claim to CREDO material)
http://www.credomobile.com/lp/oct13/25off350em.aspx?pc=318145&aid=5397176&cmp=sep13offer&day=11http://www.credomobile.com/lp/oct13/25off350em.aspx?pc=318145&aid=5397176&cmp=sep13offer&day=11
Only fitting that Cruzian "Tea Partiers" of today distort that essential foundation of our Nation's history to debase it to a series of meaningless noisemaker events worthy of nothing more than the decimation of a collapsing country. Only this country to be rendered once again into the Republicans' timelessly failed recipe for repeated homeland economic disasters a la "Apocalypse Now", copyright the Doors, is our own fault.
As usual the big-slime corporate donors want readers wrongly to believe "they are helpless" but to keep dumping money in the coffers of social pariahs like ATT and Verizon busy using confused callers perpetually extending "contract fees" (i.e. their latest consumer ripoffs) vying for those coveted front tables at the latest iteration of their "Tea Party" luncheon where they can sit just feet (oh boy!) from the Superstupid Tea Partier Supreme (yesterday dragged from the House of Reprsentatives because he did not know which house of Congress to which he belonged blabbing his phony filibuster). Sentaor Cruz may have his no doubt gathering henchman explain to him who is giving what so that it is easier to keep it straight on "payback" day, which in the Republican spirit unabashedly was cemented by former movie star and poster child for the disadvantaged Ronald Reagan.
As best we recall before his Presidential inauguration speech had even begun Reagan's staff already had started working the front rows assuring luminaries such as then Searle President ("Pigheart") Cheney that that pesky aspartame ruling (causes brain cancer, does not everything?) would be reversed as soon as "Big Ron" could be taught to sign (no, NOT PRINT) his name to the orders to the FDA Administrator. No need to wait even until the Administrator could be replaced with someone more "enlightened", or should we say "encumbered" with the famous Cheney signature pallets of crisp new stacks of $100 bills straight from the mint press to the helipad do NOT pass time-consuming bill serial number recording.
Speaking of brain cancer why not FINALLY ALREADY turn our attention back to today and the selfless generosity of ATT and Verizon wireless extended to the "Tea Party" morons and most of all their self-styled brainless leader Senator Ted Cruz, hear the tea spoons clanking around in his empty noggin?). The link below will help fill in those "interested" (or shall we just say "thoroughly nauseated" readers) with fascinating key participation of these well-practiced sleight-of-contract cellphone grifters ATT and Verizon whom we might thank our lucky stars do not get in the automobile sales, leasing and repair business (as far as we know, that is) were we not reasonably confident that they left no stone unturned getting a hand in EVERYONE's pocket except maybe in those countries which do not yet have pockets.
The reported facts are presented in the CREDO cellular service advertisement set out below but are worthy of brief empahsis here. CREDO by the way is the modern-day mobile iteration of Working Assets which was the pioneer in social activism amongst long-distance landline carriers which monthly let its callers make free long-distance telephone calls directly to provided direct-dial numbers of callers representatives in Washington.
The Ninth Amendment log does not take any money or remuneration whatsoever for any commercial interest that we on a unanimous vote of the editorial board believe worth of presenting in the body of a post. We have never spoken or communicated in any way with any such entity when we have made recommendations solely on the basis of our own observations and opinions. Likewise no guarantees, although we try to be sparing with only those recommendations we deem most worthy of mention in hopes that they may raise readers knowledge base and standard of living as better, more broadly informed consumers. The Ninth Amendment does not however exercise any control over advertisements in the borders of this log chosen through an auction process by Google adsense, and on which we give no input. Readers are encouraged as always to do their own research. For allegedly untracked and unrecorded queries on subjects with a secure connection when available the Ninth Amendment frequently does "searches" with qrobe.it (HTTPS) which is so described by Mozilla.org for its Firefox browser as an additional search engine which can be added to the drop-down search box list by going to the term "Manage Search Engines" after which point it remains available on the drop-down list. The link below the CREDO notice contains the terms of the CREDO mobile offer.
Copyright 2014 Big M All World Rights Expressly Reserved (no claim to CREDO material)
| Call 877-346-0516 with special offer code 318145 | Need to unsubscribe? |
 |
 |
 |
|
Senator Ted Cruz is the ringleader of the current government
shutdown—taking millions of Americans hostage in an attempt to thwart
the will of voters in the 2012 election by defunding or delaying
Obamacare. He even sought to thwart the will of his fellow senators by
staging a rambling 21-hour faux-filibuster when he couldn't get enough
colleagues to join a real filibuster.
If the shutdown lasts more than a few weeks, millions of veterans may not get their disability claims or pension payments, and low-income pregnant women and new moms may stop getting the help they need to buy healthy food for their families. And who helped Mr. Cruz go to Washington? Verizon Wireless and AT&T. Both telecom giants contributed thousands of dollars to his 2012 Senate campaign. On top of that, Verizon has contributed $220,600 and AT&T a whopping $1,093,000 since 2009 to members of the House and Senate Tea Party Caucuses, who have pushed Republicans in Congress to hostage-taking extremism. At CREDO, we don't fund radical right politicians like Ted Cruz—we fight them. We fight through our powerhouse network of 3 million activists at CREDO Action. Over the past week, we rallied more than 13,000 of our activists to call Republicans and demand that they vote against the shutdown. And another 9,000 called Democrats, urging them not to cave to outrageous Republican demands. We also donate millions of dollars each year to nonprofit groups working for progressive change. Since 1985, we've raised $75 million for groups like Planned Parenthood, Democracy Now! and 350.org. The more members we have, the harder we can fight back against extremists like Ted Cruz. Join the fight. Make the switch to CREDO Mobile by October 11, and get everything you expect from a mobile phone company—and a whole lot more:*
Call 877-346-0516 and mention special offer code 318145 or join online today. Offer expires October 11, 2013. |
 |
  |
29 May 2013
Easy Ways "Gaming" Your "Credit Score" After TRULY Making Them Cough Up Your Three "Official Credit Reports" Free As In Zero
Wednesday, 29 May 2013, MARIN COUNTY, CALIFORNIA - Well hello surviving readers! Is it safe to come out yet? Or are they still staying busy passing laws in some of the more august chambers of legislation littering the landscape of this Great Nation requiring ministers to carry handguns during services, teacher's aides to pack their pieces in nursery schools, doctors to holster a sidearm while visiting patients in hospitals, and so on. Remember, once the Governor signs it, it is the law, until it is most likely immediately stayed by a Court concerned that for all any of us might guess, the next ones required to sport their favorite concealed firearm may be the jurors sitting ten feet away from them in the courtroom.
We at the Ninth Amendment for our part will never forget that proud day in Alaska when the legislature affirmed its continued support presumably lest residents or visitors had any lingering doubts (particularly during those very long dark cold winter nights when Alaska generated more telephone calls to Coca-Cola's toll-free number "just to talk" than any other state far in excess of its relatively scant then-population of about 800,000 people perhaps instead of picking up their firearms -- not a funny matter, if one needs to make a phone call PLEASE DO SO -- one can always change one's own mind, but those who love and care about them and whose lives will be forever changed as we ourselves have so tragically seen cannot) that it continued to be the strict policy of the State of Alaska to enforce all laws against bestiality. We suppose it just goes to show that no one state apparently got to have all the best legislators to itself.
It being the habit of this Ninth Amendment log perhaps at times to tend toward cutting an ox-bow or two back on itself especially when the interns are left at the helm for, say, Memorial Day, we cannot help but note nevertheless that our statistical readership reports consistently demonstrate our readers' taste for revisiting past years' posts in which the Ninth Amendment from time to time has tried to pass along absolutely unbiased money-saving tips when the stakes can be quite high for our loyal readers as we have learned only too well in these cases from our own experience as well, as in, for example, free instant medical care advice or often significant savings on prescription drugs at no other cost to readers. If we are part of that "infamous" one per cent not only are we not telling, we aim to stay that way as best we can until WE decide to change the situation.
Which does now bring us concisely more or less at last to the point for the post. As many readers may only vaguely be aware, Americans now actually do have another federal agency that so far as we know is not devoted to spying, killing, or bombing people that some may only be remotely aware of because the US Consumer Financial Protection Agency for one thing was not funded by Republicans for quite some time after its creation for fear that its nominated chief may actually have attempted to achieve something akin to its name which problem was finally circumvented by President Obama dumping her nomination.
In any case more to the point today in light of the growing perception that soon Americans will not be eligible to, say, buy a hamburger on credit or be picked up by an ambulance if their credit score is not high enough, the Ninth Amendment wishes simply to bring to our readers attention the actual name of the entity formed pursuant to law (NO THIS DOES NOT CONSTITUTE LEGAL ADVICE WHICH SHOULD ONLY BE SOUGHT FROM A PROFESSIONAL) some time back to make at least one copy annually available AT NO COST by picking up the phone or going to the web address www.annualcreditreport.com which is what we here provide because we remember it.
Equifax, Experian and TransUnion are in almost all cases required to provide all readers of their majority age instantly via internet with one full copy of their credit reports FREE FREE FREE no subscription no buying a "score" no nothing else no credit monitoring no "identity protection" no nothing else except readers proving within reason readers are indeed the subject of the report they seek, as in it is their own identity. This is to benefit the American consumer and was not intended for any of these three agencies to make a windfall confusing people into thinking they owed the "credit reporting agencies" anythng but a nice swift "online dispute", always nice as it gives them very little time to jerk consumers around, either pursue the matter or if not take the disputed matter out of the report pronto not months later by Pony Express.
Naturally our experience has been that they will take every opportunity to try to get requesters to write or even request by phone the report be sent by mail as this buys them much more time to send it by donkey and then field requests at their seeming leisure to correct errors while consumers suffer all kinds of needless financial and other distress while the rich folks reportedly even just call and get it FIXED IN A DAY.
FINALLY for much more detailed information on this very preliminary post merely to head readers in the right direction, the Ninth Amendment as always in the body of a post without any remuneration whatsoever here urges readers to do a computer search such as "Nolo Press Credit Disputes" for much more detailed information which is available free of charge with plenty of content available to read on the web. For those unfamiliar with it Nolo Press is in the opinion of the Ninth Amendment editorial staff a terrific organziation located in Berkeley, California that does publish books and produce other legal materials for charge but also offers many, many of its materials on the web with no charge whatsoever with the roughly guding belief that people should not pay lawyers to do what they are perfectly capable of doing themselves in many cases with appropriate guidance and of course within the confines of the law.
Finally, readers this post does NOT CONSTITUTE ANY LEGAL ADVICE WHATSOEVER which must be sought from a duly licensed professional but is offered solely as a public service to hopefully point our readers in the right direction in the ever-more-important apparently area of so-called "credit scores" as merely touches on a main source of information through free annual credit reports. Do not be fooled by other similar web addresses which most often involve selling scores, subscriptions, monitoring and a host of other things which will be more valuable to most persons anyway with the help of interpretative information as to what all this means to them. Readers also may try sites such as credit.com and creditkarma.com which do what are called "soft pulls" of readers' credit scores just as the major three sites (meaning they do NOT affect readers' scores) and are affiliated with Experian and TansUnion respectively prvoiding "credit report cards" and some scores at no charge.
Finally as to the reference in the post heading here to "GAMING" credit scores this is not our term but we in fact most recently read of it in a publicly published piece by a spokesperson from Fair, Isaacs which is the company that originated the orginal scores from which the others mentioned above are derived. It also has a site but does not so far as we are aware have to give away anything free to consumers. Readers may explore this themselves should they wish reading information about the so-called "FICO" score at www.myfico.com.Those who wish to visit it at least on Google skymaps may find that it is located not far from the California State Prison at San Quentin, the State's sole death row prison.
Finally for those who do find themselves getting deeply into this subject matter when they realize it may well be on the way to ruling many American's lives although FICO representatives themselves have directly said such information has not been shown to have any relationship whatsoever to what may be considered, say, the virtues and vices of anything related to dishonesty or misconduct. Other than, perhaps, what one might imagine to be the "virtues of capitalism" or at least in certain cases "not getting caught".
As for "GAMING" credit scores this is related to making use of such knowledge as the fact that in most cases creditors who report to "credit bureaus" do so monthly giving those with a keen sense of timing the opportunity to move money around more quickly, at least so far, than anyone cares to try to track it to such a degree as to ascertain exactly what the actually total is at any one time. This might be somewhat akin to what once was the popular practice of "surfing" credit card rates with "zero balance transfers", a practice now reportedly not compelling as it once was with strategic "fees" thrown in by banks to thwart the practice.
Banks and insurance companies being of course some of the most, if not creative, at least persistent in their relentless quest to leave consumers with less and less cash and themselves with more and more largely through the employment of large numbers of mediocre attorneys with a righteous belief in their power to give words whatever meaning they assign them ( as in usury becomes "fees") and what once they were taught were "contracts" become unilateral ultimatums requiring the true "agreement" of but ONE party, that being the larger, the other of course always being free to disagree without duress or coercion other than being driven immediately bankrupt through the withdrawal of agreed credit.
One last thought here is it will be of interest to see if this post attracts advertisers who push the limits of the meaning of the word "free" to the absolute limits imaginable. Should their ads appear in the vicinity it should give readers a very helpful guide just for what they should be on the lookout.
Copyright 2013 Big M All World Rights Expressly Reserved
We at the Ninth Amendment for our part will never forget that proud day in Alaska when the legislature affirmed its continued support presumably lest residents or visitors had any lingering doubts (particularly during those very long dark cold winter nights when Alaska generated more telephone calls to Coca-Cola's toll-free number "just to talk" than any other state far in excess of its relatively scant then-population of about 800,000 people perhaps instead of picking up their firearms -- not a funny matter, if one needs to make a phone call PLEASE DO SO -- one can always change one's own mind, but those who love and care about them and whose lives will be forever changed as we ourselves have so tragically seen cannot) that it continued to be the strict policy of the State of Alaska to enforce all laws against bestiality. We suppose it just goes to show that no one state apparently got to have all the best legislators to itself.
It being the habit of this Ninth Amendment log perhaps at times to tend toward cutting an ox-bow or two back on itself especially when the interns are left at the helm for, say, Memorial Day, we cannot help but note nevertheless that our statistical readership reports consistently demonstrate our readers' taste for revisiting past years' posts in which the Ninth Amendment from time to time has tried to pass along absolutely unbiased money-saving tips when the stakes can be quite high for our loyal readers as we have learned only too well in these cases from our own experience as well, as in, for example, free instant medical care advice or often significant savings on prescription drugs at no other cost to readers. If we are part of that "infamous" one per cent not only are we not telling, we aim to stay that way as best we can until WE decide to change the situation.
Which does now bring us concisely more or less at last to the point for the post. As many readers may only vaguely be aware, Americans now actually do have another federal agency that so far as we know is not devoted to spying, killing, or bombing people that some may only be remotely aware of because the US Consumer Financial Protection Agency for one thing was not funded by Republicans for quite some time after its creation for fear that its nominated chief may actually have attempted to achieve something akin to its name which problem was finally circumvented by President Obama dumping her nomination.
In any case more to the point today in light of the growing perception that soon Americans will not be eligible to, say, buy a hamburger on credit or be picked up by an ambulance if their credit score is not high enough, the Ninth Amendment wishes simply to bring to our readers attention the actual name of the entity formed pursuant to law (NO THIS DOES NOT CONSTITUTE LEGAL ADVICE WHICH SHOULD ONLY BE SOUGHT FROM A PROFESSIONAL) some time back to make at least one copy annually available AT NO COST by picking up the phone or going to the web address www.annualcreditreport.com which is what we here provide because we remember it.
Equifax, Experian and TransUnion are in almost all cases required to provide all readers of their majority age instantly via internet with one full copy of their credit reports FREE FREE FREE no subscription no buying a "score" no nothing else no credit monitoring no "identity protection" no nothing else except readers proving within reason readers are indeed the subject of the report they seek, as in it is their own identity. This is to benefit the American consumer and was not intended for any of these three agencies to make a windfall confusing people into thinking they owed the "credit reporting agencies" anythng but a nice swift "online dispute", always nice as it gives them very little time to jerk consumers around, either pursue the matter or if not take the disputed matter out of the report pronto not months later by Pony Express.
Naturally our experience has been that they will take every opportunity to try to get requesters to write or even request by phone the report be sent by mail as this buys them much more time to send it by donkey and then field requests at their seeming leisure to correct errors while consumers suffer all kinds of needless financial and other distress while the rich folks reportedly even just call and get it FIXED IN A DAY.
FINALLY for much more detailed information on this very preliminary post merely to head readers in the right direction, the Ninth Amendment as always in the body of a post without any remuneration whatsoever here urges readers to do a computer search such as "Nolo Press Credit Disputes" for much more detailed information which is available free of charge with plenty of content available to read on the web. For those unfamiliar with it Nolo Press is in the opinion of the Ninth Amendment editorial staff a terrific organziation located in Berkeley, California that does publish books and produce other legal materials for charge but also offers many, many of its materials on the web with no charge whatsoever with the roughly guding belief that people should not pay lawyers to do what they are perfectly capable of doing themselves in many cases with appropriate guidance and of course within the confines of the law.
Finally, readers this post does NOT CONSTITUTE ANY LEGAL ADVICE WHATSOEVER which must be sought from a duly licensed professional but is offered solely as a public service to hopefully point our readers in the right direction in the ever-more-important apparently area of so-called "credit scores" as merely touches on a main source of information through free annual credit reports. Do not be fooled by other similar web addresses which most often involve selling scores, subscriptions, monitoring and a host of other things which will be more valuable to most persons anyway with the help of interpretative information as to what all this means to them. Readers also may try sites such as credit.com and creditkarma.com which do what are called "soft pulls" of readers' credit scores just as the major three sites (meaning they do NOT affect readers' scores) and are affiliated with Experian and TansUnion respectively prvoiding "credit report cards" and some scores at no charge.
Finally as to the reference in the post heading here to "GAMING" credit scores this is not our term but we in fact most recently read of it in a publicly published piece by a spokesperson from Fair, Isaacs which is the company that originated the orginal scores from which the others mentioned above are derived. It also has a site but does not so far as we are aware have to give away anything free to consumers. Readers may explore this themselves should they wish reading information about the so-called "FICO" score at www.myfico.com.Those who wish to visit it at least on Google skymaps may find that it is located not far from the California State Prison at San Quentin, the State's sole death row prison.
Finally for those who do find themselves getting deeply into this subject matter when they realize it may well be on the way to ruling many American's lives although FICO representatives themselves have directly said such information has not been shown to have any relationship whatsoever to what may be considered, say, the virtues and vices of anything related to dishonesty or misconduct. Other than, perhaps, what one might imagine to be the "virtues of capitalism" or at least in certain cases "not getting caught".
As for "GAMING" credit scores this is related to making use of such knowledge as the fact that in most cases creditors who report to "credit bureaus" do so monthly giving those with a keen sense of timing the opportunity to move money around more quickly, at least so far, than anyone cares to try to track it to such a degree as to ascertain exactly what the actually total is at any one time. This might be somewhat akin to what once was the popular practice of "surfing" credit card rates with "zero balance transfers", a practice now reportedly not compelling as it once was with strategic "fees" thrown in by banks to thwart the practice.
Banks and insurance companies being of course some of the most, if not creative, at least persistent in their relentless quest to leave consumers with less and less cash and themselves with more and more largely through the employment of large numbers of mediocre attorneys with a righteous belief in their power to give words whatever meaning they assign them ( as in usury becomes "fees") and what once they were taught were "contracts" become unilateral ultimatums requiring the true "agreement" of but ONE party, that being the larger, the other of course always being free to disagree without duress or coercion other than being driven immediately bankrupt through the withdrawal of agreed credit.
One last thought here is it will be of interest to see if this post attracts advertisers who push the limits of the meaning of the word "free" to the absolute limits imaginable. Should their ads appear in the vicinity it should give readers a very helpful guide just for what they should be on the lookout.
Copyright 2013 Big M All World Rights Expressly Reserved
Subscribe to:
Posts (Atom)