Credit Repair - Credit Repair Scams Knowledge Base

Credit Repair Scams Knowledge Base

Put credit repair scams in one sentence.? Put this into one sentence. Credit Repair Scams Credit repair scams offer to erase accurate negative information from your credit file so you can qualify for a credit card, auto loan, home mortgage, or a job. The scam: The scam artists who promote these services can't deliver. Only time, a deliberate effort, and a personal debt repayment plan will improve your credit. The companies that advertise credit repair services appeal to consumers with poor credit histories. Not only can't they provide you with a clean credit record, but they also may be encouraging you to violate federal law. If you follow their advice by lying on a loan or credit application, misrepresenting your Social Security number, or getting an Employer Identification Number from the Internal Revenue Service under false pretenses, you will be committing fraud.

Can you repair your own bad credit? I have recently researched information on repairing bad credit after bankruptcy, etc. It appears that items, whether true or false can legally be disputed from yourself as frequent as every 30 days. And, unless the credit bureau agencies can provide valid proof (from the original creditors) within a 30 day period, they must remove the derogatory credit from your file. Although it can take 2 - 3 times of writing dispute letters to actually get a response, this seems very interesting. It also appears that the FCRA is really in the consumers favor, but not really advertised to us because the 3 major bureaus profit from our credit history. Any experience/advice on someone cleaning up their own bad credit (not through credit repair scams)?

What experience(s) has anyone had when using a credit repair/restoration company? I am conducting research on credit restoration/repair companies and scam artists. Anyone who reads my posts knows that I am a proponent of credit restoration. And I support using the three legitimate credit restoration companies in the US. But I would like to hear of any experiences people have had with others. I do not want to hear about Lexington Law. I already have mountains of data on them, and not much of it good. I want to hear about all the others out there. Let me know who you used and what the results were. People who only want to post that credit repair is a scam, please do waste my time with your uneducated claptrap, I want legitimate answers only please. Thank you for your answer, Rose. I appreciate you taking the time to answer my question. Lydia, I am in agreement with most of your answer, but I was just wondering what question are you answering? You posted it in the wrong place. Your answer has nothing to do with my question.

Credit repair? i have bad credit and i really want to improve my score so i can buy a house soon. i see all these advertisements on tv but then you hear about getting scammed, paying money and nothing happens. has anyone ever used any credit repair or counciling and it has actually worked??? if so what was the name

Are credit repair companies legit and do they really help? I am trying to raise my credit score quickly. Right now I am at 593-around 650 depending on agency. So, by paying off the 5 credit cards that I currently have(some with amounts ranging from 1,500-2,500), should that raise my credit score a great deal? If not, will a credit repair company help or are they just a scam?

Has anyone used a credit repair service to repair their credit and is it a scam or does it really work?

Are there any companies that actually help repair your credit ? I get a lot of emails from Lexington Law Firm and a few other companies to repair my credit but I don't wanna be scammed.

I need to rent an apartment a.s.a.p.,I have bad credit,& I have contacted credit repair agencies.? First of all,does credit repair work?(If only long enough for me to get a place,that's o.k.) And will it help me get an apartment by Oct.I don't have the time or patience to do the credit repair myself w/ the companies.I have an appointment w/ a company on friday & am afraid to get scammed.What are the red flags that the credit repair company is a scam? Can someone in another state co-sign an apartment for me?

has anyone had a good experience with these credit repair companies? i mean wats the deal? can they really clear my file and if so can anyone recommend a good one? basically do they really work and how do you tell a legitimate one apart from all the scams out there..

Does anyone know of any reputable credit repair companies? I do not have the time to do this myself? I know there are scam companies out there who will take your money and do very little or nothing to help but there has to be some reputable people in the industry. Doesn't there?

Classes to become a credit repair specialist in LA, CA? Certification Requirements? Any CRS out there? HELP!? There are lots of websites and books claiming to teach you all the tricks about being able to fix your credit...I've read mixed reviews. I do realize that many people believe that credit repair specialists are scam artists and that many can do it themselves, but still, I'm interested in the field. Are there actual classes or schooling that I can do? Do I need any kind of certification in Los Angeles? How do I begin? What credit repair kit or kits do the professionals use for thorough credit repair fixes including but not limited to removing chexs system? Where do they get their experience? Does anyone know of any mlm credit repair agencies? I am wishing to open up a credit repair agency with my husband in the future, but we would like to be certain that we know all the ins and outs as much as possible. Any info. will be very helpful and greatly appreciated. Thanks, Michelle

Does the do-it-yourself credit repair kit from places like office supply stores really works? I am thinking about cleaning up my credit myself because I have heard that this can really happen . I do not want to pay hundreds to thousands of dollars just for someone else to do this. I saw a do-it- yourself credit repair kit at office depot for like $30.00 and I was hoping to hear mature answers/opinions from people who may have had credit issues and to just see who was able to repair their credit on their own successful without paying big money to these scam artists making big promises. Thanks in advance! ;)

I have a question about credit repair companies? I know that credit repair companies are real and they can work. What I want to know is how do I know a good credit repair company from a scam? I have heard a lot of bad things about Lexington Law and I thought they were a legit company. I won't be using them but I really need to find a service that is real and won't take me for all my money and run. ( Please don't answer by saying not to use a credit repair company. I know that I can do it myself but I don't have the time and I don't want to put the effort into it. I am willing to pay to have the service performed for me.) Thank you for any help you can give me. bdancer: I specifically asked for people NOT to give me answers such as yours. I appreciate your candor and your point of view, but I don't share it. I want constructive answers not answers from people looking just to get points. Please, if someone asks you not to give in to the hype and hysteria when answering their question, try to respect that request in the future.

Legitimate credit repair company? I'm looking for any referrals to a good credit repair company or attorney. I understand that they cannot legally do anything that I can't do and there is no guarantee that my score will improve - that I will basically just be paying for their services. Also, many of them are considered scams, etc. So, I would like to know if anyone has personally experienced help from one of these companies in credit repair.

Has anyone had credit repair done for bad credit? Only true personal experiences please.? I need credit repair and advice but im skeptical of scams out there. Please let me know of any credit counseling in Houston. thanks

Can anyone vouch for Lexington Law firm for credit repair? I've heard that some of these companies are complete scam, rather than simply an over-priced service for something anyone can do themselves. Has anyone heard anything bad about Lexington?

Credit repair companies? ok so after a layoff 2 years ago my credit took a huge hit and is really bad, can credit repair companies really fix bad credit or is this another scam?

Are there any good credit restoration companies or lawyers? I am looking for a company or lawyer that provides a credit repair or restoration service. One that is not a scam and delivers results.

Anyone else know a good credit improvement program? I have tried to dispute items on my credit report and haven’t had much luck. I have late payments, bad debts, and I have no good credit. I am working on adding positive credit now . Please give me links so I can research the different companies that you have known to be legit. Also your experience with the company would be helpful. Please no skeptics, or people trying to tell me its a scam. I know there are scams out there and I will research the company I choose, so please keep the warnings and comments to yourselves. Also I know I can do it myself. I tried this option, I want a good reputable credit repair company to do it for me.....

Has anyone ever used a credit repair company? do you know a replicable company? Or were you scammed?

Is Credit Repair a honest business? What legal majors can you take when these companys SCAM you out of your money? Like Waterfield credit did me!!1

Do credit repair specialists really work? My husband and I met w/a credit repair specialist, she went over our credit report that we requested ourselves and said she'll be able to help us clear some of the issues we have on there. My thing is she is charging us 1300.00 plus expenses should they arise. Are we being scammed? We do have about 3 judgements on there and a couple of collections from back in the day, but all were paid. I've heard or read on here that those things stay on your report for about 7-10 years even if there paid for should I just wait for them to fall off our reports. We we're looking to buy a home w/in 6-9 months that's why I'm asking.

Is is possible to legally remove negative information from your credit report? I know there are websites out there that are scams and say they can get you a new credit report which is illegal, but I have also read that you can get the creditors to remove the negative marks. Is this true? Also, are there any free websites out there with legitimate information about repairing credit? I came across the Credit Secrets Bible and thought about buying it, just not sure if you could get the same info for free somewhere else.

Can anyone help lead me in the right direction to help me get my credit back ? Without filing banruptcy.? I have had some problems in the past when i could not pay my bills 3 years in a row to be exact. I am employed now with a good job but im so far behind it looks as if i will never catch up .There are so many sites claiming they can help,they all look confusing,are they for real or a scam? What is the easiest fastest way to get the ball rolling on credit repair? Is it to late for me? Will i ever have credit again? Can someone please help?

i am looking for a web site that has good info on how to repair bad credit..any suggestions? i considered "eliminate bad credit for good on line sites" to my understanding they're scams...bankrupcy sounds like the last option and i'm not that bad in debt..less than 5000...i'm hesitant in contacting creditors and the "bureaus"..i'm not trying to put the cart before the horse but, if my credit score is let's say...544...how long ,realistically, would it take to have a decent credit score provided that i pay my debts???any help or suggestions would be greatly appreciated

Which credit card is best for building up a bad credit score? I have A LOW credit score. I am in the process of paying off debts to try to repair my credit. There are numerous credit card offers that claim guaranteed approval for a fee. Iwould like to use any tactic available to help buildmy credit. I am however affraid to fall victim to the "SCAM". Does any one have a possitive experince or advice on the options or other techniques for rebuilding credit.

I need to repair my credit? My credit is really bad!!! I want to get it back together but i dont know where to start. I have noticed that there are some things that are on my report that should not be (ie medical bills,a phone bill i know nothing about, and wrong addresses and employment information) I dont want to be scammed!!! I also dont want to pay anything for this as i was told there are sites that help you. Also is there a site that i can go to that has letters i can use to contact theses agencys?

How can I fix my credit after being a victim of an online scam? I saw an attractive offer to help someone to retrieve some money for them. Made a blinded decision to do it and now my bank account got closed. What should I do to repair my error/ credit and be able to start over again financially?

Are there any good credit restoration companies or lawyers? I am looking for a company or lawyer that provides a credit repair or restoration service. One that is not a scam and delivers results.

HELP I need to clean up a very bad credit report.? My credit is a disaster. I had a mulitude of things that have caused it. My problems started with severe medical problems and a business failure then foreclosures on several homes (18) I had to go through Bankrupty in 2004. My credit is so bad I tried to rent an apartment and my report did not even show any score. I also have IRS leins both state and federal. My medical problems are behind me but how can I regain my credit. What is the process in disputing information that is not accurate. Everyone says you can clean up credit but no one explains how unless you pay them. I would be more than willing to pay if I thought I trust them but I don't. Most of the credit repair places are just scams. I have a small business and would like to expand but it is impossible with my credit. Everything is cash only. My health is good and my business is doing fine. How can I get my score back into the high 700"s like it was before. Where do I start? How many years will it take?

Free Credit Restoration & Debt Elimination Clients Needed!!? Hi my name is Tavarra. I own my own business by the name of Financial Destination Inc. We do Credit Restoration and Debt Elimination and a host of other services. Credit Restoration and Debt Elimination is two of our most popular Products. We are not a scam. I am a woman of God and I do not scam Gods Children. A Credit Repair Company can not charge you any up-front fees. It;s against the law. Actually our Credit Restoration Product is free. We offer other products with your monthly membership. I am a Product of the Product. I was a Real Estate Investor and I had two foreclosures on my Credit. Credit Trax was able to get one of those foreclosures deleted from my Credit Report. Credit Trax also had 3 Credit Cards Deleted from my Credit Report. 2 BOFA Credit Cards with high balances and 1 Chase Credit Card. If you want proof I will send you a copy of my Credit Report. Documentation beats conversation. please visit my website www.fdimember.com/143169 or Call me (909)331-7213 God Bless

Where can I get a $3500 loan ASAP in Toronto Ontario? I have just recently claimed bankruptcy and am looking for a loan ASAP. I have run into home repair and vehicle repair problems. But with my recent credit rating...no one is willing to help me out. I'm literally on the verge of a nervous breakdown. I also just got scammed from one of these pathetic loans people on yahoo and am pissed!!!!!

What are the latest scams to hit the u.k.? Are people still falling for that Spanish lottery? and has anybody ever paid one of these credit repair companies cos I received a letter today and it looked convincing but I wouldn't dream of sending off the 68 quid they asked for

I received a letter from a Credit Union Test Market? Basically it says that I have been pre qualified for a loan for a car, and I have $1000 in an account. The dealership is a very reputable and well known in my area, and it has been here for years. My family has bought cars from this dealership in the past and uses them for repairs, etc. I am to go to the dealership and speak with the credit union people about a car. The cars for the test market people will also be discounted, suposedly. Also, this is supposed to be a good monthly payment/interest rate. The letter was one of those kinds with the anti-tamper envelope with the carbon paper inside so it can't be read. But, in this day and age I'm just not trusting of anything. A car would be a boon for me at the this time, but I don't want to get scammed. I'm so confused because I know the dealership. Is this really a loan for a car or some sort of ploy? Any suggestions would help. Oh yeah, if it is just an advert and I'm NOT really pre qualified, then they really sent this to the wrong person. I doubt that even if they could convince me to buy a car that I would actually qualify for one.

Should I file for bankruptcy? I'm 27 and want to buy a house but I can't bc I'm about 10,000.00 in debt to about 15 credit agencies for random stuff and medical bills. I really can't pay them off. I just started to pay one company off and they never report payments being made. I have 2 cars and pay well on them but always have a high interest rate. I'm not sure how to file of if will even help. Does anyone know about this or could give soem good advice. I'm kind of worried about getting scammed with those credit repair people. I'm in Illinois also...and if more info is needed just ask and I'll add it on...thanks! oh yeah and I have 2 cars bc my husband has one too....I'm working and so is he, but we have to live ya know....plus a second job is out bc I have a child...and I'd probably be working to pay for childcare..

Has anyone had any experience with 24hrcreditfix.com/course? It sounds like a scam to me, but there is a course you can purchase to make money helping people repair their credit. Just wondering if anyone has purchased this package and if it was legitimate?

Are there personal loans for Bad credit? I am in a bind for money and was wondering if there is any LEGIT company that offers loans for bad credit? I am looking for 7-9 thousand but have found a lot of scams with "lenders" asking for money up front. I don't have a ton of credit card debt, but I also need to make auto and house repairs and pay on some medical bills. Can anybody help?

Personal grants and/or other free money resources? I am looking for a place where I can get personal grants, or something like that (free money basically). I do work full time, but my Fiancè is at college and cannot work much. We are getting married this summer and need to get some money for that among various other things like bills and repairs for our house and cars. I do not want any fake or hokey sites, they are all scams. I do not want any of those "Refer 10 other people and get so much money" deals, they are all scams as well. I want a free, legal and legitimate way to get some money without taking out a large loan, since I already have a credit card, car loan, mortgage payment, etc. Is there such a thing? Thanks in advance! My Fiancè is finished with college in 1 month...that is what poses another problem because then we will have to begin paying back the loans. I am looking for a way to get some extra money so that I can afford to make all of the payments I need to.

Am I a bad person? I was sitting at a drive through restaurant one day. The parking lot was one way. This car tried to come through the wrong way and was sitting in front of me. They wouldn't move (retards) so I started backing up so I could go around them. I turned my head and looked behind me then started backing up. As soon as I started backing up I hit another car. This ghetto chick had swooped around the corner in the time it took me to turn my head back. We pulled over and I asked her if I could pay it out of pocket. She agreed. She got an estimate and we met for lunch. I told her I would meet her at the body shop, pay for her car, then personally drive her to a car rental place and pay for her rental car. I told her if she just wanted cash, I would give her $500.00 right there. She said she would call me. She sent me a fax the next day that said due to all the "credit card scams" that are out there, she wanted cash for the entire repair bill and the loaner. Now she had a 1997 Oldsmobile and I had a 3 year old Audi A4. Why would she care how I paid for it? I never responded to her and she turned a claim into my insurance. When the insurance company called me to ask about it, I said she was a liar and that she backed into me. Since it was private property and the police were not involved, it was simply her word against mine. They denied her claim and I never spoke to her again. It is obvious that she didn’t care about the 3 inch scratch in her 9 year old car, just the money. However I still feel guilty sometimes because there is damage to her car that I caused… but I truly don’t think she cared, she just wanted the money, and not just the $500.00 I offered her to go away, she wanted cash for the entire repair bill and rental. Do you think I am wrong?

I need help with credit. Jobs are now looking at credit scores.? I have been looking at a couple of new jobs in my career field, but I have recently been denied a job due to my credit score. I have made mistakes in the past, a long time ago. I have slowly been paying on the debts, while trying to stay on my feet and above water. I was told sometime ago or I read it I do not remember which that you could possibly recieve a new S.S.N. if you could prove undue hardship. Is this true? If not what are some other options that are available. There is so much junk on the net that promises fixes, but I have found that most of those are scams. I am looking for an honest and legitimate answer that can help me repair the current situation that I am in. Any help that I recieve will be greatly appreciated. Thank You,

How can I get my money back? I met this guy in credit repair business from the same office building, and he told me he could actually boost my credit up in 90 days. So I signed up with him & paid him a fee of $ 2000 for his service, after that I started to monitor my credit online on a daily basis. It's been 90 days, & nothing's happend. He happens to be the middle guy between consumer & the actual company that does the credit boost. I noticed later on that he closed his office, his website gone, and so I started thinking that his business was a scam. I can still contact him over the phone, he still tells me that he's trying to work it, but I'm pretty sure if I tell him to pay back I doubt he'll ever giveme back the money. How can I make him pay? It also sucks that he's got my information too!

Reducing credit card debt? I am on a budget, successfully last two years. Before then, we racked up nearly $9000 total in credit card debt on five cards. (home repairs, stuff). We have paid our credit cards on time, and have NO credit cards now. My problem, I am aggravated. Before my budget, I was late paying on two cards , and all cards jacked my rates to nearly 30%. So, even paying on time the last two years, the companies still deem me 'risky' since I only pay minumum. I still owe $9000!! I asked for a payoff amount, since half of what is owed is interest and penelties. They all say no, nor will they reduce the interest rate. (heck, they have a gold mine with me!) Anyone have luck with a letter asking creditors to take a lower payoff amount ?? I am caring for an ill son so i can't work, and my husband's job cut back so we are getting half of what we were earning. I don't want to do debt consolidation, since they tend to be a scam. If I can't negotiate a lower payoff amount, how can they?

has anyone heard of 24hrcreditfix? Trying to find out if this is a Real Credit Repair compamy of just a scam.

Can Horizion Card Services be held responsible for "Misrepresentation"? After seeing and reading the "Yahoo Answers" page on this so-called Credit Card, some are calling it a scam, others praise what they are doing to supposedly be helping people build their credit, I see it as fraud & misrepresentation to the public. You can take the money you give them for things you buy out of a catalog & create another bill or put the money towards hiring a legit company that will combine all your debts, set a reasonable monthly payment, slowly pay off thee debts and at the same time you are repairing your credit standing & paying off your debts, NOT creating More DEBT. It is something to think about, hey!

Anyone know about First National Card? I received a card offer today called First National Merchant Card, from CCS First National in Las Vegas. Since I'm looking to repair my credit, is this a wise option or is it a scam ? Any info about this card or company would be appreciated.

Who can save my home from auction without scamming me (finance it or buy it and rent to me maybe) ? My home went into forclosure, which also has ruined my credit. Now my home is going up for auction and I want to save it. I was ill for several months and that put me under financially now I have regular income again and my child and my baby will be homeless. I need some assistance from someone to help me get a new loan or even to buy my house and rent it to me until my credit is repaired and I can buy it back.

Help fixing bad credit...? I have bad credit...I had two accounts each were under 100 and they went to collections...I was stupid when i got my first credit card a few years ago...Now my credit score is a 550...How can i fix it? My collections accounts are closed out and now im just looking to repair. I am married and my husband has great credit...Can he help me inprove it by adding my name to a loan or anything? I heard gas cards approve people with bad credit...? Please tell me ways to improve it and not be scammed! Thank you :)

Is a lease to own option legitimate when purchasing a home? I am considering a lease to own as an alternative to buying a home outright. The reason being that I do not have the capital for a down payment and my credit isn't exactly wonderful. How is a lease to own supposed to work...during the lease, who will be responsible for repairs to the home, property taxes and homeowners insurance. Will I be responsible as soon as I move in or after I actually assert my option to purchase the home at the end of the lease? What should I be looking out for to avoid getting scammed?

I need HELP Picking a DOMAIN NAME FOR MY NEW BUSINESS.? I am considering building a website to aid & assist prospective vehicle buyers & comsumers with their questions about car buying, scams, warranty, financing,credit, state & federal consumer laws, etc, etc, I have over 23 years experience in the new and used car sales,financing , repairs,& auto Insurance business etc. I consider myself an expert in this field. Iam retired now. I am tired of seeing & hearing about people getting screwed out of their hard earned money everyday by cons at car lots & dealerships. hopefully,my website will be an informative website with a multitude of information forconsumers who have questions, & need help making a decision about purchasing a car , before they lay their cash down & make a big mistake.I hope my new and informative website will help and aid prospector car buyers & consumers or those persons just having questions about topics related to this subject. I can also direct consumers to county ,state, & federal websites that will assist consumers.

What do you think of the following article? EXTRA HELP When Special Education Goes Too Easy on Students Parents Say Schools Game System, Let Kids Graduate Without Skills By JOHN HECHINGER and DANIEL GOLDEN August 21, 2007; Page A1 GREENPORT, N.Y. -- On June 25, 2006, Michael Bredemeyer threw his tasseled cap in the air and cheered after getting his high school diploma. Two days later, his parents mailed the diploma back. [More Data on Mainstreaming] * * * Plus, read more about the challenges of integrating special-needs students, at WSJ.com/Mainstreaming. Michael, now 19 years old, has learning disabilities and finished high school at a seventh-grade reading level, despite scoring above average on IQ tests. The Bredemeyers say he passed some classes because teachers inflated his grades and accepted poor work. By awarding him a meaningless diploma, they say, school officials avoided paying for ongoing instruction. "I felt proud because he had worked so hard," says Michael's mother, Beverly, her voice breaking. "You don't want to take that away from him. But you knew it wasn't real. What's he going to do in the future? Will he be able to go to college and get a job?" The Bredemeyers represent a new voice in special education: parents disappointed not because their children are failing, but because they're passing without learning. These families complain that schools give their children an easy academic ride through regular-education classes, undermining a new era of higher expectations for the 14% of U.S. students who are in special education. Years ago, schools assumed that students with disabilities would lag behind their non-disabled peers. They often were taught in separate buildings and left out of standardized testing. But a combination of two federal laws, adopted a quarter-century apart, have made it national policy to hold almost all children with disabilities to the same academic standards as other students. The 1975 statute now known as the Individuals with Disabilities Education Act promoted putting special-education students in mainstream classrooms. The 2001 No Child Left Behind Act said schools would be punished if disabled children don't pass the same state tests as other students. It also requires states to set standards for high-school graduation rates and meet them for all students, including those with disabilities. By some measures, the extra attention is paying off. Test scores and classroom grades of disabled students are rising, and their high-school graduation rate increased to 54% in 2004 from 42% in 1996. But critics say some of the gains have come because schools have learned to game the system. For instance, federal rules allow states to make "reasonable accommodations" to help disabled students pass tests and graduate, such as allowing extra time on exams. Some schools, say critics, are giving students too much help, for instance by guiding students to the right answers on multiple-choice tests. MAKING THE GRADE • The Issue: Some parents of students with learning disabilities say their children are graduating too easily. • The Background: Federal laws raised school standards, but left loopholes. Increasingly, special-education students get special help to pass tests. • The Problem: If schools game the system, those students move on without the skills they need. From 2000 to 2005, special-education fourth graders showed more improvement in reading and math than the general population on an important benchmark test, the National Assessment of Educational Progress. But accommodations also increased. In 2005, 70% of fourth-grade special education students received some sort of accommodation while taking the math portion, up from 44% five years earlier. In reading, 63% used accommodations in 2005, up from 29% in 2000. On tests used to measure compliance with No Child Left Behind, more states are permitting students with disabilities to use calculators on arithmetic tests or have reading-comprehension tests be read aloud. Massachusetts education commissioner David Driscoll warned school administrators in February that an alarming number of special education students -- a quarter or half in some cases -- were receiving such accommodations on state exams. With unclear guidelines, "People start driving trucks through loopholes," he said in an interview. Some school districts have an informal policy against failing students with disabilities even if they miss many classes or aren't learning. "I can go into any school we represent and have somebody tell me we have to pass special education students" to avoid being blamed for not providing the right services if students fail, says Janet Horton, a Texas special-education attorney. Federal law says special-education students should receive a "free appropriate public education," but it doesn't prohibit failing them. Mardys Leeper and Carol Merrill, former teachers at West Philadelphia High School in Pennsylvania, say a special-education administrator there ordered them to pass special-education students. Ms. Leeper says she made concessions for students with disabilities, such as letting them write shorter essays or copy paragraphs she wrote onto a word processor rather than composing their own. But when those students didn't make an effort, or skipped class, both teachers say they sometimes sought to fail them -- only to have the administrator insist on passing grades. The reason they were given: Students had met the goals of their federally mandated individual education plans, IEPs, spelling out goals and services for each special-education student. "Students who weren't even participating, even trying, we couldn't fail them," says Ms. Merrill, an English teacher who retired this year. Even if they couldn't read, "I had to give them a 'D.'" The administrator couldn't be reached for comment. Brenda Taylor, head of special education for the Philadelphia school district, called the matter a "breakdown in communication." The district has no written policy against failing special-education students, she says. But rather than being "punitive" if a student performs poorly or cuts class, she says, the district prefers to revise a student's IEP. "We're not in the business of failing students," Ms. Taylor says. Only 19 states require all students to earn the same kind of diploma, according to a recent University of Minnesota survey. Some of those states let special-education students amass fewer course credits to earn the degree, the survey found. Other states give substitute certificates, in some cases called IEP diplomas, to special-education students who don't qualify for standard diplomas. Many special-education parents are happy to see their children advance through school and graduate. Reggie Felton, director of federal policy for the National School Boards Association, says special-education students learn more in regular classes even if they're given a break on assignments or grading. The federal government recently decided to triple the percentage of students allowed to take easier tests, to 3% from 1%. Some legislators have proposed exempting more students. But the rebellion against too-easy passing is growing, says Pam Wright, who with her husband has co-authored books on special education issues and operates a Virginia-based information clearinghouse for special-education parents. She estimates she now receives more than 1,000 email messages a year from parents lamenting that their children with disabilities take mainstream courses but aren't being taught as much as their classmates. Dozens of parents have contended in recent administrative appeals that their children did not deserve the diplomas they received, she says. The family of Alba Somoza, who has cerebral palsy and speaks only with the help of a computer, filed one such case. Alba drew national attention in the 1990s when her family successfully pushed to include the then-third grader in a regular classroom. Then-President Bill Clinton backed her cause, and Alba, now 23, graduated with honors from a New York City high school in 2002. Last year, Alba and her family filed an administrative case claiming her education was a sham. A school report prepared weeks before she graduated showed she had language and math skills at an elementary school level, court records show. "You cannot shunt children through -- you cannot scam them through the system," says Alba's mother, Mary. [Michael Bredemeyer] Since shortly after she graduated, New York has been paying for a special program for Alba that costs $400,000 a year -- including a full-time teacher, an aide, transportation and extensive technology. The city says it is doing so out of compassion, not legal obligation. The family is seeking to continue the public funding another year to help Alba receive enough education to work as a museum docent. The Somozas lost the administrative case, but a judge in U.S. District Court in Manhattan ruled in the family's favor earlier this year and ordered another hearing. Rather than develop a program that would help Alba reach her academic goals, teachers lowered the curriculum's "level of difficulty" and removed "large and meaningful portions of its substantive content," the judge said. One teacher testified that he did most of the work on Alba's final project in 2002. New York officials say the school properly adapted the curriculum for a severely disabled student. In northern California, Jennifer McGowan, an 18-year-old who is deaf in one ear and suffers from attention deficit hyperactivity disorder and learning disabilities, was supposed to graduate from Vacaville Unified School District in June. She didn't get her diploma -- because her family won a court injunction to stop it. In an interview, Jennifer said she often received A or B grades for poorly completed work or, at times, when she didn't do assignments at all or show up for class. Achievement tests she took in January 2005 showed that she had the math and reading skills of an elementary-school student, according to her administrative complaint. The school district denies her grades were inflated and said she showed her proficiency by passing a high-school exit exam. John Aycock, Vacaville's superintendent, said teachers did "a great job working with Jennifer." Jennifer says she failed the exit exam several times despite intensive preparation. "They just wanted to pass me and let me fly by," she says. The school system says it's not unusual to make several attempts to pass. At the Mercer Island school district in Washington state, the family of a girl with severe learning disabilities complains that, instead of the intense instruction she needed to master reading and math in eighth and ninth grades, teachers showered her with accommodations: a peer note-taker, a peer to read materials to her, oral exams, reduced assignments and a calculator on math tests. At an administrative hearing, the family -- whose names are not disclosed in the court papers -- sought to force the school system to pay for her private schooling. Noting her strong A and B grades, the district successfully argued that accommodations were helping her learn. In U.S. District Court in Seattle, a judge hearing an appeal of the case disagreed last year, saying the system improperly relied on accommodations rather than instruction, and has returned the case to a hearing officer to determine financial relief for the family. Boxes of school correspondence and Michael Bredemeyer's old tests and assignments line the hallways of his family's weather-beaten saltbox house in Orient, N.Y., on Long Island's North Fork. Michael's parents are demanding public funding for more services until age 21, to which students are entitled unless they graduate, so he can improve his academic skills for college. John Bredemeyer, a county public-health inspector, and his wife, Beverly, had high hopes for Michael, who has a strong work ethic and a knack for repairing machines. But once he entered public middle school in nearby Greenport, his parents worried that teachers were letting him skate through classes and tests. Michael, who has attention deficit hyperactivity disorder and learning disabilities including dyslexia, says in some classes he "definitely earned" a passing grade, but others were "borderline." He took regular classes except for one period a day. "A little more one-on-one" instruction would have helped, he says. On state achievement exams, Michael's IEP permitted him extra time, simplified instructions and guidance from a teacher to slow him down if he rushed through answers. But when he completed the eighth-grade math test, his special-education teacher also took him to the resource room and directed him to redo problems he had answered incorrectly. According to a memo from Greenport Superintendent Charles Kozora, the teacher "exceeded the intent" of Michael's accommodations, boosting his score. The state investigated and invalidated Michael's test. [Revolt] Mr. Kozora said the school system had only two cases of testing irregularities in six years, few conflicts with parents over special education and "many successes" among students with disabilities. The district says achievement, and not cost, dictates its decisions on graduating students. When Michael was a junior at Greenport High, his chemistry teacher passed him with the minimum grade of 65, even though he says he spent much of the class doodling and playing solitaire on his laptop. Checking his assignments and tests, his parents couldn't understand how he could be passing. In a letter, the school principal acknowledged that the final grade was a "miscalculation" and should have been 56.6, or an F. The school offered to let him make up his lost credits by volunteering in the town library. When his parents balked, he was instead placed in courses in sociology and psychology. On one psychology pop quiz, five of Michael's seven answers were marked wrong, but a failing grade was crossed out on the paper and a passing score of 65 was substituted. The school district declined comment. For a senior English assignment, he received an A for one untitled paragraph. "I believe competition today has changed dramatically," he wrote. "Back in the day, sports was some of the only sports that had competition. Today, everyone wants to compete and only be successful. School work, school sports, major league sports, all involve high amounts of success and competition. Competition today has become very extreme." His English teacher, Michael Connolly, said he didn't remember the assignment and had no comment on the grade. On standardized tests, Michael had mixed results: On the SATs, which have a 200 to 800 scale, Michael received 330 and then 370 in two tries on the reading test, in the bottom 10% of all students nationally. On math, he scored 460 both times. He failed two state exams and passed five others. His school grades put him in the bottom one-third of his class. A month before graduation, the Bredemeyers debated whether he should accept the degree. "I wanted to have it," Michael says. "Get it and forget it." On graduation day, a school band played "Pomp and Circumstance." Michael's parents, his sister, his grandmother, aunts and uncles watched as he walked up to the podium and a school official handed him a purple diploma case with his name etched in gold letters. Michael says he knew his parents might not let him keep it. "I had a feeling they'd do something like that," he said, shrugging. "I'll eventually get it back, one of these days, months, years." This summer, Michael has been mowing lawns and picking up trash at a state park for $9 an hour. This fall, he plans to enter his second year at Suffolk County Community College, which does not require a high-school diploma. Last semester at Suffolk, he received a D-plus in freshman composition, D's in statistics and Western Civilization and an F in the history of rock 'n' roll. Write to John Hechinger at john.hechinger@wsj.com and Daniel Golden at dan.golden@wsj.com RELATED ARTICLES AND BLOGS Related Content may require a subscription | Subscribe Now -- Get 2 Weeks FREE Related Articles from the Online Journal • The Kids Are All Right • School Choice and Racial Balance • Back to Failing Schools • Tort-a-licious: The Trials of Law School Blog Posts About This Topic • SaukValley.com - Serving Dixon, Sterling & Rock Falls saukvalley.com • August 14, 2007 edspresso.com More related content Powered by Sphere

I need to get a loan of $5000.00 As Soon As Possible. I have 2 jobs and can repay this no problem. PLEASE HELP I have run into a financial crisis and my credit is not at its greatest at present time. I am a 26 year old mother and home owner. I am willing to use my home as collateral for this loan. I work 2 jobs and am very reliable. Due to personal emergencies the last few months I have fallen behind on some payments and to add on to that stress my car needs over $1500 in repairs. I also just got scammed of almost $900 to one of these yahoo lenders so I will NOT be sending anyone more money for a loan. I am able to pay anywhere between $200-$300 per month for this loan..and even more by the years end. I am desperate for any help. I live in Canada so prosper will not apply to me. I have tried banks and get turned down. I need a private or bad credit loan.

Are there any companies that actually help repair your credit ? I get a lot of emails from Lexington Law Firm and a few other companies to repair my credit but I don't wanna be scammed.

Is 9-11 the worst conspiracy the super-rich have ever inflicted upon the American people? Are these the quotes of kooky conspiracy theorists or is conspiracy a reality of our government? These quotes by people in positions to know are quite revealing of the fact that we live in a world dominated by conspiracies among the well-connected and powerful wealthy elite. ----------------------- "In politics, nothing happens by accident. If it happens, you can bet it was planned that way." - Franklin D. Roosevelt “Since I entered politics, I have chiefly had men's views confided to me privately. Some of the biggest men in the United States —in the fields of commerce and manufacturing—are afraid of somebody. They know that there is a power somewhere so organized, so subtle, so watchful, so interlocked, so complete, so pervasive, that they had better not speak above their breath when they speak in condemnation of it.” - Woodrow Wilson “A financial element in the large centers has owned the government since the days of Andrew Jackson.” - Franklin Roosevelt “We are on the verge of a global transformation. All we need is the right major crisis and the nations will accept the New World Order.” - David Rockefeller “Today, America would be outraged if UN troops entered Los Angeles to restore order. Tomorrow they will be grateful! This is especially true if they were told that there was an outside threat from beyond, whether real or promulgated, that threatened our very existence. It is then that all people of the world will plead to deliver them from this evil. The one thing every man fears is the unknown. When presented with this scenario, individual rights will be willingly relinquished for the guarantee of their well-being granted to them by the world government.” - Henry Kissinger (Bilderburg Conference 1991 Evians, France) “Naturally the common people don't want war…but after all, it is the leaders of the country who determine policy, and it is always a simple matter to drag the people along, whether it is a democracy, or a fascist dictatorship, or a parliament, or a communist dictatorship…all you have to do is to tell them they are being attacked, and denounce the pacifists for lack of patriotism and exposing the country to danger. It works the same way in any country.” Herman Goering ( One of Hitler's top men, during the Nuremberg Trials) The individual is handicapped by coming face to face with a conspiracy so monstrous he cannot believe it exists. - Edgar J Hoover We must strengthen the United Nations as a first step toward a World Government, patterned after our Own Government with a legislature, executive and judiciary and police. - Walter Cronkite In 1913, Woodrow Wilson signed the Federal Reserve Act. A few years later he wrote: I am a most unhappy man. I have unwittingly ruined my country. A great industrial nation is controlled by its system of credit. Our system of credit is concentrated. The growth of the nation, therefore, and all our activities are in the hands of a few men. We have come to be one of the worst ruled, one of the most completely controlled and dominated Governments in the civilized world no longer a Government by free opinion, no longer a Government by conviction and the vote of the majority, but a Government by the opinion and duress of a small group of dominant men. - Woodrow Wilson By the time you become the leader of a country, someone else makes all the decisions. You may find you can get away with Virtual Presidents, Virtual Prime Ministers, and Virtual Everything. - Bill Clinton The easiest way to gain control of the population is to carry out acts of terror. The public will clamor for such laws if the personal security is threatened. - Joseph Stalin The real rulers of Washington are Invisible and exercise power from behind the scenes. - Justice Felix Frankfurter - US Supreme Court Justice The real menace of our Republic is the invisible Government which like a giant Octopus, sprawls its slimy legs over our cities, states, and nation. - John F. Hylan - Mayor NYC 1918-1925 The real truth of the matter is, as you and I know that a financial element in the large centers has OWNED the Government of the U.S. since the days of Andrew Jackson." (History points to the last truly honorable and incorruptible American President as "Old Hickory") - FDR to Col. E. Mandell House 11/21/1933 "Give me control of a Nation's money and I care not who makes the laws." - Mayer Amschel Bauer (Rothschild) "The Trilateralist Commission is international ...(and)...is intended to be the vehicle for multinational consolidation of the commercial and banking interests by seizing CONTROL of the political government of the United States. The Trilateralist Commission represents a skillful, coordinated effort to seize COTROL and consolidate the four centers of power: Political - Monetary - Intellectual - and Ecclesiastical." - Barry Goldwater , U.S. Senator AZ. "With No Apologies" "We shall have World Government. Whether or not we like it. The only Question is whether World Government will be achieved by conquest or consent." - James Paul Warburg , Foreign agent for the Rothschild dynasty - Major Player in the Federal Reserve act scam / Feb. 17, 1950 speaking before the U.S. Senate. "We are grateful to the Washington Post, the NY Times, Time Magazine, and other great publications whose directors have attended our meetings, and respected their promises of discretion for almost 40 years. It would have been impossible for us to develop OUR PLAN for the world if we had been subjected to the lights of publicity during those years. But, the world is now more sophisticated and prepared to march towards a World Government. The supranational sovereignty of an intellectual ELITE and World Bankers is surely preferable to the national auto - determination practiced in past centuries." - David Rockefeller CFR Kingpin, Founder of the Trilateral Commission, NOW Godfather / June 1991 "The Technetronic era involves the gradual appearance of a more CONTROLLED society. Such a society would be dominated by ELITE, unrestrained by traditional values." - Zbigniew Brezhinsky , Advisor to 5 U.S. Presidents - Executive Director Trilateral Commission. "Between two Ages" "It is well enough that people of the nation do not understand our Banking and Monetary system, for if they did, I believe there would be a Revolution before tomorrow morning." - Henry Ford “We can't be so fixated on our desire to preserve the rights of ordinary Americans” - Bill Clinton 1993 “The interests behind the Bush Administration, such as the CFR, the Trilateral Commission – founded by Brzezinski for David Rockefeller – and the Bilderberg Group have prepared for and are now moving to implement open world dictatorship within the next five years.” - Dr. Johannes Koeppl – former official of the German Ministry for Defense and adviser to NATO. “We are on the verge of a Global transformation. All we need is the right major crisis and the nations will accept the New World Order.” - David Rockefeller "Democracy tends to ignore, even deny, threats to its existence because it loathes doing what is needed to counter them," explained Revel. "It awakens only when the danger becomes deadly, imminent, and evident. By then, either there is too little time left for it to save itself, or the price of survival has become crushingly high." - Jean Francois Revel "For more than a century, ideological extremists at either end of the political spectrum have seized upon well-publicized incidents to attack the Rockefeller family for the inordinate influence they claim we wield over American political and economic institutions. Some even believe we are part of a secret cabal working against the best interests of the United States, characterizing my family and me as 'internationalists' and of conspiring with others around the world to build a more integrated global political and economic structure - one world, if you will. If that's the charge, I stand guilty, and I am proud of it." - David Rockefeller, Memoirs , 2002 “Stop throwing the Constitution in my face! It's just a [expletive deleted] piece of paper!” - George Bush “Every time we do something, you tell me America will do this and will do that . . . I want to tell you something very clear: Don't worry about American pressure on Israel . We, the Jewish people, control America , and the Americans know it.” - Ariel Sharon , October 3, 2001 "I came to America because of the great, great freedom which I heard existed in this country. I made a mistake in selecting America as a land of freedom, a mistake I cannot repair in the balance of my lifetime." - Albert Einstein, 1947 "We have come to be one of the worst ruled, one of the most completely controlled and dominated Governments in the world - no longer a Government of free opinion, no longer a Government by conviction and vote of the majority, but a Government by the opinion and duress of small groups of dominant men." - Woodrow Wilson [U.S. President during World War I] "The U.S. must carry out some act somewhere in the world which shows its determination to continue to be a world power." - Henry Kissinger , post-Vietnam blues, as quoted in The Washington Post, April 1975 "I believe that banking institutions are more dangerous to our liberties than standing armies. If the American people ever allow private banks to control the issue of their currency, first by inflation, then by deflation, the banks and corporations that will grow up around [the banks] will deprive the people of all property until their children wake-up homeless on the continent their fathers conquered. The issuing power should be taken from the banks and restored to the people, to whom it properly belongs." -- Thomas Jefferson Mainstream Media Treason http://video.google.com/videoplay?docid=-3068002046571410986&q=mainstream+media+treason&total=20&start=0&num=10&so=0&type=search&plindex=0 Loose Change http://video.google.com/videoplay?docid=7866929448192753501&q=loose+change&total=3794&start=0&num=10&so=0&type=search&plindex=0 9-11 Mysteries http://video.google.com/videoplay?docid=7866929448192753501&q=loose+change&total=3794&start=0&num=10&so=0&type=search&plindex=0

Can you add to this long list of U.S. conspiracies?

Horizon Gold Card? Ok now everyone seems to be going crazy with the word SCAM this card is not a scam if you would read the terms and conditions on the second page in the disclaimers in all capital letters it states 2. Disclaimers. HORIZON CARD SERVICES™ IS NOT A CREDIT SERVICES ORGANIZATION, BANKING INSTITUTION OR INSURANCE COMPANY, NOR IS IT AFFILIATED WITH ANY CREDIT SERVICES ORGANIZATION, BANKING OR INSURANCE INSTITUTION. THIS PRODUCT IS NOT A VISA, MASTERCARD, OR DEBIT CARD. THE HORIZON OUTLET CARD™ ACCOUNT IS A LINE OF CREDIT THAT CAN BE USED BY AN ACCOUNT HOLDER TO SHOP EXCLUSIVELY AT OUR ONLINE SHOPPING WEBSITE. THERE ARE NO DOWN PAYMENT REQUIREMENTS FOR PURCHASES AT OUR WEBSITE. HORIZON CARD SERVICES™ DOES NOT FACILITATE, NOR PROVIDE ASSISTANCE IN OBTAINING CREDIT FROM ANY OTHER CREDIT-ISSUING ENTITIES. HORIZON CARD SERVICES™ DOES NOT CHARGE AN ADVANCED FEE TO ESTABLISH CREDIT, NOR DOES HORIZON CARD SERVICES™ ATTEMPT, OR CLAIM TO ATTEMPT, TO ESTABLISH, RE-ESTABLISH OR REPAIR ANY CUSTOMER CREDIT HISTORY. THERE ARE NO ENROLLMENT FEES ASSOCIATED WITH THE ACCOUNT. no i know for a fact that this is printed in 2 font sizes bigger then the rest of the terms and for everyone calling this a scam please how could you not read before you sign up for something if you would like to blame a company for your mistake then fine fight it and lose just like everyone else has thank you for your time

Are these the quotes of kooky conspiracy theorists or is conspiracy a reality of our government? These quotes by people in positions to know are quite revealing of the fact that we live in a world dominated by conspiracies among the well-connected and powerful wealthy elite. ----------------------- "In politics, nothing happens by accident. If it happens, you can bet it was planned that way." - Franklin D. Roosevelt “Since I entered politics, I have chiefly had men's views confided to me privately. Some of the biggest men in the United States —in the fields of commerce and manufacturing—are afraid of somebody. They know that there is a power somewhere so organized, so subtle, so watchful, so interlocked, so complete, so pervasive, that they had better not speak above their breath when they speak in condemnation of it.” - Woodrow Wilson “A financial element in the large centers has owned the government since the days of Andrew Jackson.” - Franklin Roosevelt “We are on the verge of a global transformation. All we need is the right major crisis and the nations will accept the New World Order.” - David Rockefeller “Today, America would be outraged if UN troops entered Los Angeles to restore order. Tomorrow they will be grateful! This is especially true if they were told that there was an outside threat from beyond, whether real or promulgated, that threatened our very existence. It is then that all people of the world will plead to deliver them from this evil. The one thing every man fears is the unknown. When presented with this scenario, individual rights will be willingly relinquished for the guarantee of their well-being granted to them by the world government.” - Henry Kissinger (Bilderburg Conference 1991 Evians, France) “Naturally the common people don't want war…but after all, it is the leaders of the country who determine policy, and it is always a simple matter to drag the people along, whether it is a democracy, or a fascist dictatorship, or a parliament, or a communist dictatorship…all you have to do is to tell them they are being attacked, and denounce the pacifists for lack of patriotism and exposing the country to danger. It works the same way in any country.” Herman Goering ( One of Hitler's top men, during the Nuremberg Trials) The individual is handicapped by coming face to face with a conspiracy so monstrous he cannot believe it exists. - Edgar J Hoover We must strengthen the United Nations as a first step toward a World Government, patterned after our Own Government with a legislature, executive and judiciary and police. - Walter Cronkite In 1913, Woodrow Wilson signed the Federal Reserve Act. A few years later he wrote: I am a most unhappy man. I have unwittingly ruined my country. A great industrial nation is controlled by its system of credit. Our system of credit is concentrated. The growth of the nation, therefore, and all our activities are in the hands of a few men. We have come to be one of the worst ruled, one of the most completely controlled and dominated Governments in the civilized world no longer a Government by free opinion, no longer a Government by conviction and the vote of the majority, but a Government by the opinion and duress of a small group of dominant men. - Woodrow Wilson By the time you become the leader of a country, someone else makes all the decisions. You may find you can get away with Virtual Presidents, Virtual Prime Ministers, and Virtual Everything. - Bill Clinton The easiest way to gain control of the population is to carry out acts of terror. The public will clamor for such laws if the personal security is threatened. - Joseph Stalin The real rulers of Washington are Invisible and exercise power from behind the scenes. - Justice Felix Frankfurter - US Supreme Court Justice The real menace of our Republic is the invisible Government which like a giant Octopus, sprawls its slimy legs over our cities, states, and nation. - John F. Hylan - Mayor NYC 1918-1925 The real truth of the matter is, as you and I know that a financial element in the large centers has OWNED the Government of the U.S. since the days of Andrew Jackson." (History points to the last truly honorable and incorruptible American President as "Old Hickory") - FDR to Col. E. Mandell House 11/21/1933 "Give me control of a Nation's money and I care not who makes the laws." - Mayer Amschel Bauer (Rothschild) "The Trilateralist Commission is international ...(and)...is intended to be the vehicle for multinational consolidation of the commercial and banking interests by seizing CONTROL of the political government of the United States. The Trilateralist Commission represents a skillful, coordinated effort to seize COTROL and consolidate the four centers of power: Political - Monetary - Intellectual - and Ecclesiastical." - Barry Goldwater , U.S. Senator AZ. "With No Apologies" "We shall have World Government. Whether or not we like it. The only Question is whether World Government will be achieved by conquest or consent." - James Paul Warburg , Foreign agent for the Rothschild dynasty - Major Player in the Federal Reserve act scam / Feb. 17, 1950 speaking before the U.S. Senate. "We are grateful to the Washington Post, the NY Times, Time Magazine, and other great publications whose directors have attended our meetings, and respected their promises of discretion for almost 40 years. It would have been impossible for us to develop OUR PLAN for the world if we had been subjected to the lights of publicity during those years. But, the world is now more sophisticated and prepared to march towards a World Government. The supranational sovereignty of an intellectual ELITE and World Bankers is surely preferable to the national auto - determination practiced in past centuries." - David Rockefeller CFR Kingpin, Founder of the Trilateral Commission, NOW Godfather / June 1991 "The Technetronic era involves the gradual appearance of a more CONTROLLED society. Such a society would be dominated by ELITE, unrestrained by traditional values." - Zbigniew Brezhinsky , Advisor to 5 U.S. Presidents - Executive Director Trilateral Commission. "Between two Ages" "It is well enough that people of the nation do not understand our Banking and Monetary system, for if they did, I believe there would be a Revolution before tomorrow morning." - Henry Ford “We can't be so fixated on our desire to preserve the rights of ordinary Americans” - Bill Clinton 1993 “The interests behind the Bush Administration, such as the CFR, the Trilateral Commission – founded by Brzezinski for David Rockefeller – and the Bilderberg Group have prepared for and are now moving to implement open world dictatorship within the next five years.” - Dr. Johannes Koeppl – former official of the German Ministry for Defense and adviser to NATO. “We are on the verge of a Global transformation. All we need is the right major crisis and the nations will accept the New World Order.” - David Rockefeller "Democracy tends to ignore, even deny, threats to its existence because it loathes doing what is needed to counter them," explained Revel. "It awakens only when the danger becomes deadly, imminent, and evident. By then, either there is too little time left for it to save itself, or the price of survival has become crushingly high." - Jean Francois Revel "For more than a century, ideological extremists at either end of the political spectrum have seized upon well-publicized incidents to attack the Rockefeller family for the inordinate influence they claim we wield over American political and economic institutions. Some even believe we are part of a secret cabal working against the best interests of the United States, characterizing my family and me as 'internationalists' and of conspiring with others around the world to build a more integrated global political and economic structure - one world, if you will. If that's the charge, I stand guilty, and I am proud of it." - David Rockefeller, Memoirs , 2002 “Stop throwing the Constitution in my face! It's just a [expletive deleted] piece of paper!” - George Bush “Every time we do something, you tell me America will do this and will do that . . . I want to tell you something very clear: Don't worry about American pressure on Israel . We, the Jewish people, control America , and the Americans know it.” - Ariel Sharon , October 3, 2001 "I came to America because of the great, great freedom which I heard existed in this country. I made a mistake in selecting America as a land of freedom, a mistake I cannot repair in the balance of my lifetime." - Albert Einstein, 1947 "We have come to be one of the worst ruled, one of the most completely controlled and dominated Governments in the world - no longer a Government of free opinion, no longer a Government by conviction and vote of the majority, but a Government by the opinion and duress of small groups of dominant men." - Woodrow Wilson [U.S. President during World War I] "The U.S. must carry out some act somewhere in the world which shows its determination to continue to be a world power." - Henry Kissinger , post-Vietnam blues, as quoted in The Washington Post, April 1975 "I believe that banking institutions are more dangerous to our liberties than standing armies. If the American people ever allow private banks to control the issue of their currency, first by inflation, then by deflation, the banks and corporations that will grow up around [the banks] will deprive the people of all property until their children wake-up homeless on the continent their fathers conquered. The issuing power should be taken from the banks and restored to the people, to whom it properly belongs." -- Thomas Jefferson

wanting to buy another home soon? In 2000 I bought a home from a contractor who basically covered up a condemned home. FHA inspected the house and okayed it for sale. Gradually, it began to fall apart and it was found out that the contractor was a scam artist and had scammed quite a few people with messed up homes. I filed for bankruptcy because we were fixing up the home (major repairs) but, it was dismissed after the case was in court. A FHA inspector came out to look at the house and basically started a case against him because they were defrauded. They said I would get all the money back that was paid into the house but it will take a while. Anyway, my income total household income is $85,000 but, last year I was out with breast cancer and my credit went to pot. I would like to buy a home now that selling is so slow, but it is possible with all this? Shouldn't FHA help since they said this past house was okay to move in?