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SubscriberWise Chief to CFPB and Consumers Everywhere: Each of Us has Profound Control over Our Credit Reports and FICO Scores

Massillon, OH (PRWEB) April 26, 2015

SubscriberWise®, a leading provider of analytics driven subscriber decision management technology and the largest issuing consumer reporting agency for the communications industry, announced today that the company president is offering new advice, credit suggestions, and decades’ insight to the CFPB and the nation’s credit consuming population.

“Conspiracy theorists and others love to perpetuate the notion that credit scores are mysterious, secretive, and impossible to understand or control,” argued David Howe, FICO professional, child identity theft expert, and SubscriberWise CEO. “They’re none of the above. Rather, they’re complex. Extremely complex, in fact. And they’re based, in large part, on highly refined mathematical models that rely on millions of consumer credit files for empirically derived, scientific outcomes: outcomes that are not only regulated, but that are retrospectively correlated to payment performance metrics that often span multiple decades.

“Undoubtedly, transparency and access to accurate information and education concerning credit scoring did not exist in the past. The lack of information certainly contributed to the hysteria, fear, and ignorance that grew out of the emerging technology,” continued Howe. “Sadly, much of the same continues to surround scoring models today. However, unchanged are the fundamental behaviors (i.e. paying bills on time and low credit card utilization) that generated high scores in the past. These same behaviors, they remain true and predictive today just as they did in the past.

“Fortunately inadequate information is no longer a reality or concern for consumers. Collectively we should bestow individual consumers, watchdog groups, regulators, and others our appreciation and gratitude for the vast and open information that is widely available today.

“Everything a consumer needs to obtain super-prime credit ratings – across every credit scoring model on the market – exists on a myriad of commercial sites; this same information can be found here, http://www.consumerfinance.gov/askcfpb/318/how-do-i-get-and-keep-a-good-credit-score.html, on the taxpayer-owned Consumer Financial Protection Bureau’s website,” said Howe.

In addition to the well known guidelines – which together are sufficient for achieving and maintaining favorable credit – there are a number of other little-known suggestions for consumers who may have unexplained or significant scoring variations among different models and/or repositories. Following are many of the common-sense and well known guidelines for achieving and maintaining excellent credit:


Pay as agreed. Although life events, medical and economic hardships, and myriads of financial circumstances make this impossible for millions of consumers, paying bills on time is the single most important factor in the calculation of a credit score
Don’t get close to credit limits, particularly if you’re going to apply for new credit and a high score is essential to obtain the most favorable terms/approval. Fact: Howe generated simultaneous perfect FICO and Vantage scores across each repository with credit utilization below 5 percent of total available credit, among many other maximum scorecard indicators. It is proof that credit scores can be mastered without knowledge of advanced mathematics and without FICO’s proprietary credit scoring formula.
Apply for credit as needed. Fact: Howe’s most recent revolving credit card account was opened nearly one decade ago.

In addition to the above (particularly true for consumers who have scores that vary significantly), Howe provides these other important suggestions:

Compare credit reports. Determine, for example, if a tradeline (i.e. a ten year old revolving bankcard that’s been paid perfectly and includes a substantial line of credit) is reported to each of the national credit repositories: Equifax, Experian, and TransUnion. A missing tradeline that is not reported can have a significant negative impact on the calculation of a credit score. Fact: A colleague of Howe’s learned that his credit union failed to report his long and perfect-paid revolving credit card account to TransUnion. The net result was a significant loss of points because of the missing information. Once the account was finally reported, the score increased to a super-prime rating. Fact: Consistent credit data yields consistent credit scores: https://www.youtube.com/watch?v=4sny-172p9Q
Pay close attention to score reason factors contained on risk based pricing notices and credit score disclosure notices in particular. For example, a reason factor that indicates “too many accounts with balances” can mean 1 (one) too many. Fact: 1 (one) revolving balance with a small amount owed relative to the available credit is the best possible scenario for consumers with FICO scores above 760; this is also probable among every FICO scorecard. Fact: Reason factors are vague and do not always translate into the everyday human lexicon. Fact: A reason factor of “no recent bankcard or revolving balances reported” means that no balance is reported at the moment the score is generated. For example, it may not matter if a balance was reported as recent as yesterday…if it’s not reported when the score is generated today.
Charge a balance on one revolving credit card before applying for a mortgage (particularly true for consumers who have an American Express or other travel and entertainment charge card). Fact: FICO scores based on models used in mortgage underwriting are typically – perhaps always – not recent FICO models (i.e. FICO 8 or FICO 9). The older models treat Amex and T&E charge cards differently from the more recent models. Fact: A credit report that is scored and that also has no reported revolving balance with a favorable utilization ratio (< 6 percent is recommended) will result in a loss of points, even if the Amex or T&E account is reported with a balance. Fact: No bankcard balance reported will result in a loss of points for many – if not all – consumers. Fact: A credit card that contains an account number that starts with a 3 may be excluded from mortgage based FICO models regardless if the account is a credit card or a charge card (i.e. Bank of America branded Amex revolving credit cards).
Know your statement closing date and try to determine when the creditor reports the information to the repositories (generally once each month). Fact: This is tricky and it’s not always possible to know. It’s also not always consistent in terms of the date information is reported.

About SubscriberWise

SubscriberWise® launched as the first U.S. issuing consumer reporting agency exclusively for the cable industry in 2006. In 2009, SubscriberWise and TransUnion announced a joint marketing agreement for the benefit of America’s independent cable operators. Today SubscriberWise is a risk management preferred-solutions provider for the National Cable Television Cooperative.

SubscriberWise contributions to the communications industry are today quantified in the tens of millions of dollars annually.

David Howe is founder and president of SubscriberWise. He is also a consultant and credit manager for MCTV. At MCTV, Howe manages the bad debt and equipment losses on annual sales in excess of $ 60 million. During his 18-year career at MCTV, Howe has reviewed more than 50,000 credit submissions. His interest in credit began in 1986 while a 17-year-old student in high school.

Howe is the only known individual – living or deceased – to have obtained simultaneous perfect FICO 850 scores across every national credit bureau. Howe has also obtained simultaneous perfect Vantage scores at Equifax, Experian, and TransUnion.

Howe has obtained FICO Professional Certification and is also the first and only citizen of the world to describe and report the details of the perfect FICO and Vantage scores to U.S. reporters.

Howe produced and published two videos on the subject of perfect credit: FICO 850 Credit Report Facts and FICO Scores: The Facts. The first general-purpose FICO scores were debuted a quarter century ago.

SubscriberWise is a U.S.A. federally registered trademark of the SubscriberWise Limited Liability Co.

Contact

SubscriberWise, 888-596-1119







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“The single best augury is to fight for one’s country.” ~ Homer (800 BC – 700 BC), The Iliad.

Some cool Low Rate Credit Cards images:

“The single best augury is to fight for one’s country.” ~ Homer (800 BC – 700 BC), The Iliad.
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Image by eyewashdesign: A. Golden
New Yorkers Protest the US0 BILLION (US TRILLION) Wall Street BAILOUT: Wall Street, NYC – September 25, 2008

Phototgrapher: a. golden, eyewash design – c. 2008.

Upon talking about attending this BAILOUT protest, a Native American associate of mine mentioned that somewhere near the location of the NY Stock Exchange – on Wall Street – was the site for a bloody battle between Native tribes and American invaders. I thought this to be rather profound and rather apropos, considering, well, everything!

After some research, I could not find that this exact location was THE LOCATION, but discovered the following information from the www.hmbd.org website:

"Sankofa" —> African Burial Ground National Monument
Inscription. [On the marker is the Adinkra symbol "Sankofa," a symbol for the importance of learning from the past]

"For all those who were lost,
For all those who were stolen,
For all those who were left behind,
For all those who were not forgotten."

*Erected 2007 by National Park Service, U.S. Department of the Interior.*

Location. 40° 42.864′ N, 74° 0.267′ W. Marker is in New York City, New York, in New York County. Marker is on Federal Plaza/Duane Street 0.04 miles west of African Burial Ground Way/Elk Street, on the right when traveling east. Click for map. Marker inscriptions are part of the African Burial Ground Memorial designed by Rodney Leon and are accessible to pedestrians on the eastern grounds of the Ted Weiss Federal Building (290 Broadway) off Federal Plaza/Duane Street. Marker is in this post office area: New York NY 10007, United States of America.

Other nearby markers. At least 8 other markers are within walking distance of this marker. Richard Montgomery (approx. 0.3 miles away); Remains of Maj. Gen. Richard Montgomery (approx. 0.3 miles away); St. Paul’s Chapel (approx. 0.3 miles away); 100 Year-Old Sycamore (approx. 0.3 miles away); Americans of Chinese Ancestry (approx. 0.3 miles away); Lin Ze Xu (approx. 0.3 miles away); Men who died whilst imprisoned in this City (approx. 0.6 miles away); Ohio Company of Associates (approx. 0.6 miles away).

If anyone has any information regarding the battle to which my friend spoke, I’d love to hear about it. In the meantime, I might just have to ask again!

—————————————————————————————————————————-

Friends,

The richest 400 Americans — that’s right, just four-hundred people — own MORE than the bottom 150 million Americans COMBINED! 400 of the wealthiest Americans have got more stashed away than half the entire country! Their combined net worth is .6 trillion. During the eight years of the Bush Administration, their wealth has increased by nearly 0 billion — the same amount that they were demanding We give to them for the "bailout." Why don’t they just spend the money they made under Bush to bail themselves out? They’d still have nearly a trillion dollars left over to spread amongst themselves!

Of course, they are not going to do that — at least not voluntarily. George W. Bush was handed a 7 billion surplus when Bill Clinton left office. Because that money was OUR money and not HIS, he did what the rich prefer to do — spend it and never look back. Now we have a .5 trillion debt that will take seven generations from which to recover. Why — on –earth – did — our — "representatives" — give — these — robber — barons — $ US850 BILLION — of – OUR — money?

Last week, proposed my own bailout plan. My suggestions, listed below, were predicated on the singular and simple belief that the rich must pull themselves up by their own platinum bootstraps. Sorry, fellows, but you drilled it into our heads one too many times: THERE…IS…NO…FREE… LUNCH ~ PERIOD! And thank you for encouraging us to hate people on welfare! So, there should have been NO HANDOUTS FROM US TO YOU! Last Friday, after voting AGAINST this BAILOUT, in an unprecedented turn of events, the House FLIP-FLOPPED their "No" Vote & said "Yes", in a rush version of a "bailout" bill vote. IN SPITE OF THE PEOPLE’S OVERWHELMING DISAPPROVAL OF THIS BAILOUT BILL… IN SPITE OF MILLIONS OF CALLS FROM THE PEOPLE CRASHING WASHINGTON "representatives’" PHONE LINES…IN SPITE OF CRASHING OUR POLITICIAN’S WEBSITES…IN SPITE OF HUNDREDS OF THOUSANDS OF PEOPLE PROTESTING AROUND THE COUNTRY… THEY VOTED FOR THIS BAILOUT! The People first succeeded on Monday with the House, but failed do it with the Senate and then THE HOUSE TURNED ON US TOO!

It is clear, though, we cannot simply continue protesting without proposing exactly what it is we think THESE IDIOTS should/’ve do/one. So, after consulting with a number of people smarter than Phil Gramm, here’s the proposal, now known as "Mike’s Rescue Plan." (From Michael Moore’s Bailout Plan) It has 10 simple, straightforward points. They are that you DIDN’T, BUT SHOULD’VE:

1. APPOINTED A SPECIAL PROSECUTOR TO CRIMINALLY INDICT ANYONE ON WALL STREET WHO KNOWINGLY CONTRIBUTED TO THIS COLLAPSE. Before any new money was expended, Congress should have committed, by resolution, to CRIMINALLY PROSECUTE ANYONE who had ANYTHING to do with the attempted SACKING OF OUR ECONOMY. This means that anyone who committed insider trading, securities fraud or any action that helped bring about this collapse should have and MUST GO TO JAIL! This Congress SHOULD HAVE called for a Special Prosecutor who would vigorously go after everyone who created the mess, and anyone else who attempts to scam the public in future. (I like Elliot Spitzer ~ so, he played a little hanky-panky…Wall Street hates him & this is a GOOD thing.)

2. THE RICH SHOULD HAVE PAID FOR THEIR OWN BAILOUT! They may have to live in 5 houses instead of 7. They may have to drive 9 cars instead of 13. The chef for their mini-terriers may have to be reassigned. But there is no way in hell, after forcing family incomes to go down more than ,000 dollars during the Bush years, that working people and the middle class should have to fork over one dime to underwrite the next yacht purchase.

If they truly needed the 0 billion they say they needed, well, here is an easy way they could have raised it:

a) Every couple makeing over a million dollars a year and every single taxpayer who makes over 0,000 a year should pay a 10% surcharge tax for five years. (It’s the Senator Sanders plan. He’s like Colonel Sanders, only he’s out to fry the right chickens.) That means the rich would have still been paying less income tax than when Carter was president. That would have raise a total of 0 billion.

b) Like nearly every other democracy, they should have charged a 0.25% tax on every stock transaction. This would have raised more than 0 billion in a year.

c) Because every stockholder is a patriotic American, stockholders should have forgone receiving a dividend check for ONE quarter and instead this money would have gone the treasury to help pay for the bullsh*t bailout.

d) 25% of major U.S. corporations currently pay NO federal income tax. Federal corporate tax revenues currently amount to 1.7% of the GDP compared to 5% in the 1950s. If we raised the corporate income tax BACK to the levels of the 1950s, this would give us an extra 0 billion.

All of this combined should have been enough to end the calamity. The rich would have gotten to keep their mansions and their servants and our United States government ("COUNTRY FIRST!") would’ve have a little leftover to repair some roads, bridges and schools…

3. YOU SHOULD HAVE BAIL OUT THE PEOPLE LOSING THEIR HOMES, NOT THE PEOPLE WHO WILL BUILD AN EIGHTH HOME! There are 1.3 million homes in foreclosure right now. That is what is at the heart of this problem. So, instead of giving the money to the banks as a gift, they should have paid down each of these mortgages by 0,000. They should have forced the banks to renegotiate the mortgage so the homeowner could pay on its current value. To insure that this help wouldn’t go to speculators and those who tried to making money by flipping houses, the bailout should have only been for people’s primary residences. And, in return for the 0K pay-down on the existing mortgage, the government would have gotten to share in the holding of the mortgage so it could get some of its money back. Thus, the total initial cost of fixing the mortgage crisis at its roots (instead of with the greedy lenders) is 0 billion, not 0 BILLION.

And let’s set the record straight. People who have defaulted on their mortgages are not "bad risks." They are our fellow Americans, and all they wanted was what we all want: a home to call their own. But, during the Bush years, millions of the People lost the decent paying jobs they had. SIX MILLION fell into poverty! SEVEN MILLION lost their health insurance! And, every one of them saw their real wages go DOWN by ,000! Those who DARE look down on these Americans who got hit with one bad break after another should be ASHAMED.! We are a better, stronger, safer and happier society when all of our citizens can afford to live in a home they own.

4. THERE SHOULD HAVE BEEN A STIPULATION THAT IF YOUR BANK OR COMPANY GOT ANY OF OUR MONEY IN A "BAILOUT," THEN WE OWN YOU. Sorry, that’s how it’s done. If the bank gives me money so I can buy a house, the bank "owns" that house until I pay it all back — with interest. Same deal for Wall Street. Whatever money you need to stay afloat, if our government considers you a safe risk — and necessary for the good of the country — then you can get a loan, but WE SHOULD OWN YOU. If you default, we will sell you. This is how the Swedish government did it and it worked.

5. ALL REGULATIONS SHOULD HAVE BEEN BE RESTORED. THE REAGAN REVOLUTION IS DEAD! This catastrophe happened because we let the fox have the keys to the hen-house. In 1999, Phil Gramm authored a bill to remove all the regulations that governed Wall Street and our banking system. The bill passed and Clinton signed it. Here’s what Sen.Phil Gramm, McCain’s chief economic advisor, said at the bill signing:

"In the 1930s … it was believed that government was the answer. It was believed that stability and growth came from government overriding the functioning of free markets.

"We are here today to repeal [that] because we have learned that government is not the answer. We have learned that freedom and competition are the answers. We have learned that we promote economic growth and we promote stability by having competition and freedom.

"I am proud to be here because this is an important bill; it is a deregulatory bill. I believe that that is the wave of the future, and I am awfully proud to have been a part of making it a reality."

FOR THIS NOT TO REOCCUR, This BILL SHOULD HAVE BEEN REPEALED! Bill Clinton could have helped by leading the effort for the repeal of the Gramm bill and the reinstating of even tougher regulations regarding our financial institutions. And when they were done with that, they should have restored the regulations for the airlines, the inspection of our food, the oil industry, OSHA, and every other entity that affects our daily lives. All oversight provisions for any "bailout" should have had enforcement monies attached to them and criminal penalties for all offenders.

6. IF IT’S TOO BIG TO FAIL, THEN THAT MEANS IT’S TOO BIG TO EXIST! Allowing the creation of these mega-mergers and not enforcing the monopoly and anti-trust laws has allowed a number of financial institutions and corporations to become so large, the very thought of their collapse means an even bigger collapse across the entire economy. No ONE or TWO companies should EVER have this kind of power! The so-called "economic Pearl Harbor" can’t happen when you have hundreds — thousands — of institutions where people have their money. When we have a dozen auto companies, if one goes belly-up, we DON’T FACE A NATIONAL DISASTER! If we have three separately-owned daily newspapers in your town, then one media company can’t call all the shots (I know… What am I thinking?! Who reads a paper anymore? Sure glad all those mergers and buyouts left us with a STRONG and "FREE" press!). Laws Should have been enacted to prevent companies from being so large and dominant that with one slingshot to the eye, the GIANT FALLS and DIES. And no institution should be allowed to set up money schemes that NO ONE understands. If you can’t explain it in two sentences, you shouldn’t be taking anyone’s money!

7. NO EXECUTIVE SHOULD EVER BE PAID MORE THAN 40 TIMES THEIR AVERAGE EMPLOYEE, AND NO EXECUTIVE SHOULD RECEIVE ANY KIND OF "PARACHUTE" OTHER THAN THE VERY GENEROUS SALARY HE OR SHE MADE WHILE WORKING FOR THE COMPANY. In 1980, the average American CEO made 45 times what their employees made. By 2003, they were making 254 times what their workers made. After 8 years of Bush, they now make over 400 times what their average employee makes. How We have allowed this to happen at publicly held companies is beyond reason. In Britain, the average CEO makes 28 times what their average employee makes. In Japan, it’s only 17 times! The last I heard, the CEO of Toyota was living the high life in Tokyo. How does he do it on so little money? Seriously, this is an OUTRAGE! We have created the mess we’re in by letting the people at the top become bloated beyond belief with millions of dollars. THIS HAS TO STOP! Not only should no executive who receives help out of this mess profit from it, but any executive who was in charge of running his company into the ground should be FIRED before the company receives ANY help.

8. CONGRESS SHOULD HAVE STRENGTHENED THE FDIC AND MADE IT A MODEL FOR PROTECTING NOT ONLY PEOPLE’S SAVINGS, BUT ALSO THEIR PENSIONS AND THEIR HOMES. Obama was correct to propose expanding FDIC protection of people’s savings in their banks to 0,000. But, this same sort of government insurance must be given to our NEVER have to worry about whether or not the money they’ve put away for their old age will be there. This should have meant strict government oversight of companies who manage their employees’ funds — or perhaps it means the companies should have been forced to turn over those funds and their management to the government? People’s private retirement funds must also be protected, but perhaps it’s time to consider not having one’s retirement invested in the casino known as the stock market??? Our government should have a solemn duty to guarantee that no one who grows old in this country has to worry about becoming destitute.

9. EVERYBODY NEEDS TO TAKE A DEEP BREATH, CALM DOWN, AND NOT LET FEAR RULE THE DAY. Turn off your TVs! We are NOT in the Second Great Depression. The sky is NOT falling, Chicken Little! Pundits and politicians have lied to us so FAST and FURIOUS it’s hard not to be affected by all the fear mongering. Even I wrote to and repeated what I heard on the news last week, that the Dow had the biggest one day drop in its history. Well, that was true in terms of points, but its 7% drop came nowhere close to Black Monday in 1987 when the stock market in one day lost 23% of its value. In the ’80s, 3,000 banks closed, but America didn’t go out of business. These institutions have always had their ups and downs and eventually it works out. It has to, because the rich do not like their wealth being disrupted! They have a vested interest in calming things down and getting back into their Jacuzzis before they slip into their million thread-count sheets to drift off to a peaceful, Vodka tonic and Ambien-induced slumber.

As crazy as things are right now, tens of thousands of people got a car loan last week. Thousands went to the bank and got a mortgage to buy a home. Students just back to college found banks more than happy to put them into hock for the next 15 years with a student loan. I was even pre-approved for a USK personal loan. Yes, life has gone on with little-or-no-change (other than the whopping 6.1% unemployment rate, but that happened last month). Not a single person lost any of his/her monies in bank, or a treasury note, or in a CD. And, the perhaps the most amazing thing is that the American public FINALLY didn’t buy the scare campaign. The citizens didn’t blink, instead telling Congress to take that bailout and shove it. THAT was impressive. Why didn’t the population succumb to the fright-filled warnings from their president and his cronies? Well, you can only say ‘Saddam has the bomb’ so many times before the people realize you’re a lying sack of shit. After eight long years, the nation is worn out and simply can’t take it any longer. The WORLD is fed up & I don’t blame them.

10. THEY SHOULD HAVE CREATED A NATIONAL BANK, A "PEOPLE’S BANK." Since they’re really itching to print up a trillion dollars, instead of giving it to a few rich people, why don’t We give it to ourselves? Now that We own Freddie and Fannie, why not set up a People’s bank? One that can provide low-interest loans for all sorts of people who want to own a home, start a small business, go to school, come up with the cure for cancer or create the next great invention. And, now that we own AIG – the country’s largest insurance company – let’s take the next step and PROVIDE HEALTH INSURANCE FOR EVERYONE. MEDICARE FOR ALL! It will SAVE us SO MUCH MONEY in the LONG RUN (not to mention bring peace of mind to all). And, America won’t be 12th on the life expectancy list! We’ll be able to have a longer lifespan, enjoying our government-protected pension and will live to see the day when the corporate criminals who caused this much misery are let out of prison so that We can help re-acclimate them to plain old ordinary, civilian life — a life with ONE nice home and ONE gas-free car invented with help from the People’s Bank.

P.S. Call your Senators NOW !!! —> www.visi.com/juan/congress/

Since they voted against passing the extension of unemployment benefits and skipped out to "campaign" to us to be re-elected…call them and tell them you will vote for the other "guy" if they don’t get their act together!

—————————————————–

UPDATE: THE PEOPLE HAVE VOTED! A HISTORIC MOMENT: NOVEMBER 4th 2008!

——> THE Historic ELECTION <——

"A work in PROGRESS."

Nov. 4th, 2008.

A great American leader once said, "As individual fingers We can be easily broken. But TOGETHER We make a mighty fist." These words too were spoken by a minority leader. He was the venerable Chief Sitting Bull. No, Barack Obama’s not the first American minority to speak eloquently and he most certainly won’t be the last. Though, in the end, this election wasn’t even close !!! The world watched as, "YES WE CAN!" turned into, "YES WE DID!" as it now ushers in, "YES WE MUST!" time is NOW!

What WE do with this moment shall define US, forthright. America has now elected a man with a background of partial African – American descent as President elect. A new leader with roots from Kenya to Kansas (with a step-father from Indonesia), will be working in conjunction with a vice-Presidential of Anglo-European roots. This is something in which citizens of ALL races – both here and the world ’round – have loudly REJOICED. Why talk about race? Is race important? You bet! Because – like it or not – race has dominated and governed Our daily lives for thousands of years. After all: "To know where We’re going, We must first know where We’ve been".

We’ve come a LONG Way baby! What was once "acceptable" in 1965 is no longer in 2008 and THANKFULLY.

This is a changing of the guard. Especially since forty-percent of America’s population is considered to be a "minority". Only four generations removed, the repression of African slaves by Anglo Saxons caused hundreds of thousands of brothers to kill brothers in a viscous and bloody battle that changed the fundamental principals of this Constitutional Republic from rhetoric to reality. This too was a significant changing of the guard.

For the first time in the history of the country, the ancestors of these very same people who so passionately fought for slavery have now OVERWHELMINGLY voted for a minority leader. This too ushers in a new chapter in the history of America. This is a tremendous nod to those great American leaders before Us who risked everything so that We find ourselves at this precise moment in time. We must give thanks to these men and women who both tirelessly and unselfishly gave their lives to cross and to help shatter the racial, sexual and social boundaries imbued in the history of the United States of America.

It has now taken place. There’s a palpable renewed sense of HOPE for a better tomorrow – a HOPE that these same crippling boundaries shall finally once and for all be erased. Yet it is wise to also remember the adage, "Actions speak louder than words" and Our rhetoric must now be turned into action. The ability to truly rise above differences and to not just speak of doing so, tells much of Our long and continuous journey. If We remember the old North American Indian saying, "We do not inherit the earth from our ancestors, we borrow it from our children." We might just have a fighting chance.

The People have spoken! A record-setting 130 million Americans’ turned out to vote in Tuesday’s election, in which Barack Obama made history on a Democratic tidal wave of victory. Polling suggests voters came out in record numbers because of growing concerns over the economy, jobs, health care, energy, and the war in Iraq.

Clearly, the Obama administration and the new Democratic majority in Washington have a chance to make profound changes in Our lives – stretching ­from Wall Street to Main Street. Yes, this moment shows decency about human possibility and let’s face it, We could use just a little decency RIGHT NOW.

Perhaps more importantly, this moment speaks volumes as it’s an utter rejection of the right’s politics of fear and greed? It will now be decades before there’s another Republican majority in Congress. Never have the words, "Ask not what Your country can do for You, but what You can do for Your country," seemed more true for SO MANY. For, We-Are-Our-country. And We’re at a MAJOR crossroads. Where, oh where to begin?

OBAMA / BIDEN Campaign.

Here in New York, Working Families voters, members, affiliates, supporters and chapter leaders poured everything they had into critical campaigns that proved successful. Many are now understandably exhausted – though more than a little proud of what was accomplished. And, the results were terrific ~ if not downright Historic. For the first time since the mid-1930, the State Senate will NO LONGER be controlled by Republicans. It’s now in the hands of a Democratic Working Families majority! Just-take-one-moment-and-soak-this-in. MASSIVE Democratic majorities in BOTH the HOUSE and the SENATE!

Together, the W.F.P built a solid partnership with Senate Democrats, knocking on more than half a million doors for progressive CHANGE. And, in the end, "We the People" overwhelmingly responded. This is a MILESTONE. There’s now a renewed sense of real HOPE resonating from Washington, indeed, around the world. This is powerful. Because, without HOPE, there’s simply nothing to gain.

However, We must be careful not to fall prey to disillusionment. If illusions tear People asunder, then disillusion outright kills the human spirit. In other words, divided THEY conquer, united, WE stand. That this historic moment was ushered in during Native American Indian month is apropos. Because, We must not forget the very real foundations of this idealistic country and pay homage to the 500 plus year struggle of Our First Peoples’ for the basic rights afforded them in Our own Constitution. Obama’s victory is indeed a victory representing the multitudes. It is precisely because his success mirrors the masses, rather than a few wealthy, power-elite that this is so electrifying. A VERY palpable, "Finally!" was the expression heard ’round the world.

The world woke up WEDNESDAY with the real possibility of a very RARE OPPORTUNITY – the best in most Our lifetimes. This is a chance to truly transform America.

But, We mustn’t forget the VERY hard realities existing in this country. Just ask any woman…any "person of color"…or, any First Peoples living in this "great" land. For, as long as Native American Indians in Our country still live in policies of containment on reservations without the very basics, such as running water, electricity, or heat… as long as more than 75% of the prison population includes African-Americans, First and Taino Peoples …as long as We continue to allow Our tax dollars spent to be three times more for each of these prisoners per head than on Our own school childrens’ education…as long as American women continue to earn less than men for the SAME work…as long as We allow privately held corporations to exist without extreme MAJOR reform…as long as We continue to allow Our children to trample on foreign soil to kill and to be killed in "Our" names…as long as We sit idly by expecting or content to let others to "Do the right thing," for us… as long as We DON’T ACTIVELY PARTICIPATE TOGETHER in challenging and fighting for OUR OWN WELL-BEING for the betterment of future generations… as long as We choose to remain ignorant and in denial to Our faults…TRUE CHANGE can, and will NEVER HAPPEN.

Though, like anything rare and unique, We must first take proper time to Honor…to give thanks to those before us who, without their dedication and sacrifice, made this moment possible. We must come together. Immediate formulation and a real plan to guard and to protect this moment with fierce determination is required. New leaders are needed and will emerge so We ensure moments like this become the norm, rather than a mere token fluke. If We HOPE to transform Tuesday’s results into a real break from the shipwreck of the most immediate last thirty years – We MUST start by realizing this election represents just that – a START. It’s Round One of Our LONG and CONTINUOUS struggle.

And, Round Two will be just as tough, if not more so. Staying the course can easily be forgotten when People are dying from inadequate health care; when they’ve found themselves on the streets for lack of shelter and as they grow ever more desperate due to lack of job opportunities. Just ask people of Native or African American descent. Or, one of Our homeless veterans living on America’s streets of plenty.

Yes, the house of cards has fallen HARD and FAST. And, President / V.P. elect Barack Obama and Joe Biden have inherited many seemingly insurmountable challenges. REAL CHANGE – not rhetoric – is what’s needed. And to get it, We MUST demand it. We MUST march and be watchdogs for the sake of the coming generations. Communication with Our politicians is a MUST. MOST importantly, We MUST stand TOGETHER and be willing to fight to protect what is right and what is good for the MANY, NOT the FEW.

UNITED We STAND, DIVIDED, We FALL.

A President Obama will need to be simultaneously supported AND pushed. His training as a community organizer gives one confidence that he’ll not only understand, but should also expect this dynamic. It’s imperative for us to mind the trusty, "Follow the money" strategy. Don’t forget, President elect Obama dually made history by raising the most unprecedented amount of campaign dollars in the HISTORY of U.S. Presidential elections. According to CNN, if annualized, the Obama campaign’s ad spending on the post-primary Presidential campaign would come to US0 million. This amount is only exceeded amongst large corporations such as Verizon and AT&T – both heavy sponsors of the Republican AND the Democratic national party conventions.

At the start of October, the Democratic National Committee announced it raised US.9 million with US.5 million sitting in the bank. The party raised money through joint fund-raising events with Obama and was able to use that money to assist his candidacy. These numbers were only possible because he opted out of the public financing system for the fall campaign. John McCain chose to participate in the system, which limited him to US million for the September / October stretch prior to the election. After initially promising to accept public financing if McCain did, Obama changed his mind after setting primary fund-raising records. In fact, by the time the primaries hit, Obama was raising as much as US million each and every day. The Obama / Biden campaign raised more than US0 million in September alone – a stunning and unprecedented eruption of political giving. This extraordinary fund-raising is bound to set a new standard in politics that could doom the current taxpayer-paid system set up in the 1970’s.

HOPEfully NOT.

The party presidential nominees – Democrat Barack Obama and Republican John McCain – together spent more than US BILLION, also an unprecedented figure. According to White House for Sale, a nonpartisan group that tracks political giving, Obama had 605 bundlers, or donors who collect money from friends and associates and bundle them together. Four years ago, Democrat John F. Kerry had 588 bundlers and, in 2000, Al Gore had none. McCain had 851 bundlers working for his campaign, compared to 557 who raised money for the Bush-Cheney re-election committee in 2004. George W. Bush is largely credited with institutionalizing the role of bundlers in 2000, when he recruited a then unprecedented 555 surrogate fundraisers.

Ask Yourselves: Who really benefits most from having donated to the Obama / Biden campaign?

President – elect Barack Obama & John McCain’s U.S. Presidential campaign funds details:

OBAMA:
Total:US0,767,963
Bundlers:605
LobbyistBundlers:17

MCCAIN:
Total: US2,525,058
Bundlers: 851
Lobbyist Bundlers: 77

See the Center for Responsive Politics Presidential campaign monies for a better perspective:

2008: Obama AND McCain – US.3 BILLION

(Obama: US0,767,963 million / McCain: US2,525,058 million)

2004: Bush AND Kerry – US.2 BILLION

2000: Gore AND Bush – US.56 MILLION

1996: Dole AND Clinton – US.82 MILLION

1992: Clinton AND Bush – US.24 MILLION

* TO SEARCH FOR MEGA-DONERS, CLICK here: www.whitehouseforsale.org/searchDonor.cfm?CandidateSelect… McCain&StateSelect=&SortOrder=Last_Name, First_Name, Middle_Name, Suffix.*

Democrats in Washington and will be under enormous pressure to "play it safe", even as everyone knows We need bold action and some kind of new, New Deal. And, if We allow the "play-it-safe" crowd to dominate, then Obama (and We) will not succeed. Make NO mistake: the corporate big-wigs and free-market fundamentalists see this for exactly what it is: THE FIGHT OF A LIFETIME. They want nothing more than for the Democrats to disappoint, because then the HOPEfulness that Obama represents can be stuffed back in the bottle and cynicism can once again regain its place in Our national political culture.

WE Can’t Let This Happen!

Whether it’s revamping our health care system…implementing a new fair-based trade policy…creating a sound, realistic and well thought-out immigration plan…jobs programs…organizing rights in Washington, or campaign election reform, family leave or fair taxes, this election has set the stage for an ENTIRELY NEW social contract between the government and the People. This election opens up a real possibility – small, but real – that We could make genuine progress as a society, in terms of equality and freedom and true sustainability. In other words, the democracy We preach, but don’t teach. What comes next is up to US. And, We need to seriously ready OURSELVES.

In short, the real meaning of this election hasn’t yet been decided.

Overall, there’s a lot of work to do. It’s imperative that EVERYONE do his share – whether this means attending a neighborhood or union meeting, signing a petition, organizing or riding a bus to a demonstration, going on a lobby visit, making a financial contribution, or just talking to a stranger about the need and desirability of the common good.

Thanks for all you do!
Live your values. Love your country.
And, remember: TOGETHER, We can make a D-I-F-F-E-R-E-N-C-E !

Credit Card Builders Passes $88 Million in Funding for Small Business Clients

Spring Hill, Florida (PRWEB) April 21, 2015

Today Credit Card Builders announced that the wave of credit easing in 2014 continues to spur significant growth – helping the Company to surpass $ 88M in funding for their clients.

According to Fortune, business loans rose $ 42 billion in the fourth quarter of 2014, and credit card lending rose $ 35 billion. In contrast, mortgages rose just $ 6 billion.

Credit Card Builders helps small businesses and real estate investors get significant funding (up to $ 250,000 and more) at zero percent interest via creative credit card financing. For businesses and investors who only need financing for a year or two, intelligent credit card borrowing can be more cost effective than even a mortgage.

Ever since the current economic outlook improved and the market eased up, banks have looked for various ways to increase their earnings. Banks and federal associations are more liberal in their approach to risk, and always need to find ways to generate more business. The result is that some avenues of acquiring financing are now easier than ever.

One of the easiest, and if done correctly, least expensive, ways to get financing is via credit cards. While many credit card companies still charge tremendous interest rates, there are thousands of credit card offers at favorable rates for small businesses.

In fact, when the Office of the Comptroller of the Currency released their 19th annual “Survey of Credit Underwriting Practices,” they reported that among all loan products, credit cards had the greatest easing of underwriting standards.

Zero interest loans make sense for banks. For one thing, banks themselves can borrow at historic lows (they borrow at near zero percent from the Federal Reserve), so they have access to lots of capital. Add to this the notion that banks have a lot of ways to make money, and it starts to make sense.

Banks want to have relationships with small businesses and investors. If they already have a relationship, they want to surround that relationship with services to keep them from going to the competition. So, providing clients with great credit card offers costs them very little, and allows them to further develop those relationships.

Although many zero percent interest terms appear to be capped, according to Ari Page, CEO of Credit Card Builders, if you know what you’re doing, that’s not the case.

“Banks hope you’re not savvy enough to realize that if you know who to talk to and what to say, you can keep rolling over zero interest introductory offers into the foreseeable future,” he said.

According to Mr. Page, the following are some actions small businesses and investors can take to capitalize on low- and zero-interest credit cards.

1. If you don’t have a business entity, get one. It’s easy to acquire and anyone can do it. You want to be smart about it, as some entities are far more lendable than others. For example, having Marketing/Advertising or Business Management in your business name, indicates you are (on average) a better risk than someone with Real Estate in their title. There are also important nuances in terms of what type of entity you set up.

2. Know how to elucidate what your business does. If you’re stuttering, stammering or seem unsure of your business, don’t expect the bank to lend to you.

3. If you have personal credit issues, get them cleaned up. There are many agencies, such as Kaydem Credit Help, that can assist you.

4. Search the web for credit card offers for businesses.

5. Do your homework to sort through various offers, identifying any hidden fees.

6. Explore existing relationships and see what they’re willing to do. I once went to my bank to open a checking account and was offered a $ 17,000 credit card for being a loyal customer.

7. Consider requesting line increases or exploring promotional rates for those cards that you already have. Many banks won’t hesitate to reward good customers with increased credit lines.

Last June, Credit Card Builders announced a new funding program to make their business credit services more accessible to a wider array of qualified small businesses. Their Performance-Based Funding program allows qualified clients to defer payment until credit is received. With this option, there are no up-front fees, and borrowers can instead, opt to pay a percentage of the credit received.

Asked about his company’s success, Mr. Page said, “If you need significant dollars – $ 50-100K and beyond, you really need to know what you’re doing. Having created strategies and built relationships with leading lending institutions for eight years, we know the opportunities and the potholes along the road.

“Inexperienced borrowers do not realize how to pursue large amounts of credit without shooting themselves in the foot,” he added. “They can spend a lot of time trying to do this on their own and wind up negatively affecting their personal credit, applying for smaller cards that will lock them out of getting better deals, using strategies that will flag them as too risky, or incurring sneaky annual fees (we’ve seen them as large as $ 500) and/or high balance transfer rates. Another negative outcome is to be approved for a business card and only realize after the fact that the card will be reporting to your personal credit.

“Using a company like Credit Card Builders, where we hold your hand every step of the way, virtually guarantees that you’ll get the most possible credit for your business. Savvy executives know when to use their special skills for maximum gain, and when to outsource to the experts. These are the individuals who will be successful acquiring credit in our programs.

“As the economy improves and lending continues to increase, it’s even more imperative for business owners to know how to discern their options. We’re here to help so small business owners can do what they’re best at – making money.”

About Credit Card Builders: Founded in 2007, Credit Card Builders was created as an alternative to high interest lending. Through its relationships with some of the nation’s largest credit lenders, Credit Card Builders helps small businesses and real estate investors get up to $ 250,000 in funding with little or no interest.







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