New FICO Score eases bad credit repair as FICO Corp. 'relaxes' scoring model Bad credit folks who sign up for Credit Counseling or Debt Consolidation plan hear this a lot: "your Beacon score is too low...", "you must improve your FICO score...". Little do they know that their FICO score may've improved already without them noticing. Every 5 points up counts! According to Fair Isaac Corporation (NYSE:FIC), the new FICO is a more predictive and consumer friendly score now... And forget about the Beacon score - the name is NextGen now! What? You didn't know? According to research done by Screwedup-credit-repair.com, it's true, most people don't know that three major credit agencies TransUnion, Experian and Equifax are now using the new and more friendly NextGen scores. How people with bad credit history can benefit from these new and improved scores? They can get better rates. And more people will get loans, and for larger amounts... It would also help their credit repair! FICO NextGen scores go easier on Sub-prime loan seekers! On their web site, FICO Corp. states: [new scores] "... allow for more scoreable files (credit reports), updated treatment of mortgage and auto inquiries to better reflect consumer rate-shopping (low interest rates), and more consumer-friendly treatment of finance trades(!) and low-balance collections(!) and public records(!)." Why these improvements? Bad screwedup-credit-repair thinks that FICO Corp. is trying to meet sub-lenders requirements for more applications processed and better interest rates offered. With such low rates, sub-lenders are making all the money by giving 'great' deals to people with bad credit history. The new scores let more people in the range of allowed FICO scores, thus creating more business for lenders. And keeping the housing industry strong. This thought may be very close to the real thing... as FICO Corp. states on their web site: "Lenders want to price appropriately, and lend safely, while making more credit available to more people and effectively managing their operations costs." In layman terms, the NextGen scores loosen up scoring criteria so more people can get better credit rating and borrow more money. But make no mistake, FICO Corp. claims these new scores are even more predictable - which works for lender advantage. Plus, the latest score version NexGen 2.0 allows people with short or dormant credit history to get loans! So, does this all mean that we can now have more unpaid medical bills, have more inquiries on car and mortgage loans, get a car loan at the age of 18, get better interest rates after a recent bankruptcy ...? I guess we are to find out ... when we'll see more bankruptcies in the years to come. Or will we? screwedup-credit-repair.com suggests we remain calm and keep our credit score as high as possible. On a serious note, they said, this relaxing in credit scoring presents great opportunity to dispute more items on your credit report than was possible before and improve your credit score more substantially! Own a website submit a link

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10 Golden Rules to Dealing with Collection Agencies. Collection agencies are the Devil . The Devil Lies. Never, ever, ever give a credit card, debit card or checking account number to a collection agency. Make all payments via certified mail with a money order or with certified funds. Never pay off or make payments on a debt UNLESS you have a written agreement that spells out EXACTLY what they will do in exchange for payment. Make sure this is written on their company letter head and signed by a supervisor. Asking to speak with the supervisor rarely works, he or she received their position by being the best liar. Never ever tell the collection agent that you are trying to clean up your credit for a specific reason, i.e. buy a car or qualify for a house. They will not budge or negotiate. Collection agencies hold all of the cards, losing your temper will not help you. However, they are all on commission, this is your primary weapon. Never accept the collection agent's first offer, or believe that their boss wont let them take less than than a certain amount. See rule number 2. Never give collection agencies permission to call you at work, do not call them from work, do not give them any information about your work. Collection agents are like vampires, they cannot enter your place of work unless they are invited. If the agent gets you mad, they win. This is business and egos and tempers are the biggest killers of business deals. Interested in adding your link to my site. click here

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Great mothers day gift We all need you help with this                                                                                        Please make a donation to the National Diabetes Association. Thank you
Donate a dollar you can make a donation from my site and get a free prescription drug discount card: get up to 68% off generic drugs, This disease needs everyone's help. Millions of Americans are afflicted by this disease and odds are you know a family member with it. Lets do our best to find a cure...soon, and yes i am a diabetic.

Reuters) - Researchers are coming closer to developing an "artificial pancreas," a long-sought system of insulin pumps and glucose sensors that deliver insulin to diabetics, mimicking the function of a real pancreas. The devices have been in development for more than three decades, but lawmakers and diabetes advocates are ramping up the pressure and U.S. regulators this week outlined a regulatory path for a preliminary version of the device. And while a seamless device that tracks a diabetic's blood sugar and automatically administers the right dose of insulin is still years away from commercial use, results of several studies being presented this week at the American Diabetes Association meeting in San Diego show real promise. In one, researchers from Boston University and Massachusetts General Hospital tested a system using Abbott Laboratories' FreeStyle Navigator continuous glucose monitor and two insulin pumps made by Insulet Corp, all controlled by a laptop. The system, which is designed to better mimic the body's natural mechanism of controlling both high and low blood sugar, was portable enough to allow adults with type 1 diabetes to roam around a hospital and use an exercise bike. At the end of the 51-hour study, which involved daily exercise, two nights and six meals - all of which affect a diabetic's blood sugar levels - six patients had an average blood glucose in the normal range - in the high 140s, which is about the equivalent of an A1c reading of about 7. "It is very good. This is what we would call near normal blood glucose," said Dr. Steven Russell of Massachusetts General Hospital in Boston who is developing the system with Edward Damiano, a biomedical engineer at Boston University. In another study, a team at Mayo Clinic hooked patients up with devices called accelerometers that tracked movements and found that even moderate exercise plays a role in glucose. The team, led by Yogish Kudva, will incorporate this data into a sophisticated software program that acts as the "brain" of an artificial pancreas system, analyzing blood sugar and calculating when diabetics need a dose of insulin. The team plans to start a clinical trial with the system this year or early next year, Kudva says. CLOSING THE LOOP So-called closed-loop systems - in which a computer calculates a person's insulin dose and delivers insulin automatically through an insulin pump - are a far cry from the earliest version of an artificial pancreas developed in the late 1970s, says Dr. Aaron Kowalski of the Juvenile Diabetes Research Foundation or JDRF. "The problem is it was the size of a refrigerator," said Kowalski, who oversees the group's Artificial Pancreas Project, a multimillion-dollar initiative aimed at accelerating progress toward a closed-loop automated insulin-delivery system . With that device, patients were hooked up to an IV and could not leave their hospital bed. Researchers have since been working to develop a so-called artificial pancreas to deliver insulin to patients with type 1 diabetes, an autoimmune disease in which the body destroys its own ability to make insulin, rendering sufferers unable to properly break down sugar. People with the condition must frequently monitor and take insulin to regulate blood sugar and prevent diabetic complications such as eye damage, kidney failure and heart disease. An estimated 3 million Americans have type 1 diabetes, usually diagnosed in childhood or in young adults. The JDRF is working with Johnson & Johnson's Animas unit, which makes insulin pumps, and DexCom Inc , which makes continuous glucose monitoring devices. Kowalski said nearly five years into the project, researchers are showing promising results, but he is frustrated with the pace of progress. "People need better tools. Despite insulin pumps and continuous glucose monitors, there are still big challenges in diabetes management," Kowalski said. The group on Wednesday urged a Senate hearing to call on the FDA to stop delaying the study and approval of an artificial pancreas. They cited a study published in the British Medical Journal that found that if an artificial pancreas were available, Medicare would save nearly $2 billion over 25 years in costs related to diabetes complications. The group is pushing to move beyond studies in academic settings and begin studies of the devices outside of the hospital setting. "It's great that we can do this in academic centers, and we're learning a ton, but we need to get these projects to reach people with diabetes," he said. "We need to see these products commercialized. That is the big challenge, and that is why we are working with the FDA." FDA WANTS APPROVAL, TOO. that's were we need your donations to get this rolling. Charles "Chip" Zimliki, chairman of the U.S. Food and Drug Administration's Artificial Pancreas Critical Path Initiative, which was created in 2006 to accelerate the availability of an artificial pancreas system, says he is eager to have a system approved. "The FDA wants the artificial pancreas on the market as much as anyone else does. We just have to operate within U.S. laws to make sure it is safe and effective," Zimliki said. Last week, the agency released guidance for how to develop a low glucose suspend system, an automatic shut-off mechanism used with an insulin pump. Medtronic already sells pumps with this the feature in Europe. It safeguards against a dangerous drop in glucose levels by temporarily halting insulin delivery. By year-end, FDA plans to release detailed guidance on more complicated closed-loop systems, Zimliki said. "We think of this system, the artificial pancreas, as one unit. There is going to have to be agreement among various companies to determine who is the reporting party for submitting it," he said. "That is a relatively new idea with respect to these systems." Zimliki, who is a type 1 diabetic, thinks the first approved devices will be ones that deliver insulin only, but he is very encouraged by the system being developed by the team at Boston University and Massachusetts General. "They have what I call the Cadillac of closed-loop systems," he said. In addition to delivering insulin, the device also delivers an infusion of glucagon, a hormone released by the pancreas to raise blood sugar levels. "They are showing some very promising results," he said. you can make a donation from my site

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 Social network giant Facebook is allegedly targeting May 17 as the potential date for its initial public offering, according to a TechCrunch report that cites unnamed sources familiar with the company.

The IPO date might be off depending on how much time federal regulators need to review Facebook’s recent $1 billion acquisition of mobile-photo-sharing startup Instagram.
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And speaking of Instagram, some have speculated that the $1 billion deal was structured around the idea that Facebook shares would be worth more after they began trading publicly. On that assumption, Facebook agreed to pay 30 percent cash and 70 percent in stock. Sources from both TechCrunch and the New York Times indicate that Facebook is looking to raise around $10 billion from the stock sale, with valuation as high as $104 billion.

At that value, Facebook would be very close to trading at the same levels it was hitting while trading on the secondary market, pricing the social network at about $40 per share.

But with the alleged May 17 IPO date just under a month away, we’re bound to hear more about it between now and then. Stay tuned

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5 Biggest Mistakes People Make in Repairing their Credit. Credit Repair is not difficult, but you can shoot yourself in the foot if you don't pay attention to a few little things. Here are common mistakes people make which can be easily avoided: 1. Failing to credit-repair.com">dispute with the credit bureaus FIRST. In credit repair, always dispute your negatives with the credit bureaus before doing anything else. 10-20% of all items disputed in an initial round of disputes fall off. Why not pick off the low hanging fruit in the beginning so you can concentrate on the tough stuff? In addition, you cannot take legal action as an individual against companies who are acting illegally by reporting you if you don't dispute first. 2. Failing to document your efforts. You should ideally be keeping notes and dates of all your efforts. Make a note of anyone you speak to, when you send letters, and when you receive letters. You should all make sure you send your disputes certified mail, return receipt requested. How to organize is up to you. Putting everything in a notebook is ideal, but a plain old file folder will do if you just store bits of paper. You don't have to get fancy. Documentation is especially important when you are disputing items with the credit bureaus. Under the Fair Credit Reporting Act (FCRA), credit bureaus have 30 days to get back to you with the results of an investigation on your dispute. If you do not hear from them, within 30 days, they must remove the item. 3. Disputing items online. Never do this! You will not have any written records of your dispute (the return receipt), plus, you are making it easy for them by disputing online. Your dispute will become a two letter code and will be sent (using eOscar) to an offshore computer for analysis. You will also not be able to dispute specific information within the listing, for instance, wrong high balance, wrong date account was opened, etc. You will not be able to send documentation. In addition, if our name, SSN or address is incorrect, you have to send your request in writing anyway. 4. Being Unrealistic. If your credit report is in bad shape, there isn't a quick fix. The process takes time, usually from 6 months to a year. In addition, some items are extremely difficult, if not impossible, to remove: bankruptcies, tax liens, judgements and child support. If you have any of those listings, you may be in it for the long haul. 5. Giving up. The process seems overwhelming at first, especially if you are new to credit repair. Take one step at a time. You don't have to do everything at once. I usually tell people to do things a few days or a week apart, and not to spend more than an hour at a stretch doing anything. After the first dispute letters are mailed, you really shouldn't have to spend any more than 1 hour a month working on your credit. If you need a discount prescription drug card you can print one here. Isn't it worth it? If you need help visir my site FREE CREDIT REPAIR

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Like many others these days we all have some sort of credit issues, but what can we do about it. well believe it or not there is a lot of tips and tricks that we can do to get those scores up again. First thing we need is a credit report to see exactly what we are up against. Once you get your report you will notice a lot of inconsistency's on it and there are ways to correct these. That's were a dispute letter comes in, with a dispute letter you can question everything on your credit history ans once the credit bureau receives your dispute they have thirty days to address the issue or they have to remove it from your history. that's one way. If you have a account in collections relax, those are with out doubt one of the easiest to have removed. Your original creditor has already written of your debt, sold it for pennies on the dollar to the collection agency and whipped their hands of it. Credit card companies only hold original records for about 13-18 months and if dispute the debt with the collection agency they must produce original records from the original creditor, not the record's that they say they have obtained, those records are meaningless, and you can actually have all that info removed from the credit agency with a letter threatening a law suit and believe me it works. Most collection agency's are not licensed and the only thing they are good for is harassment. With a good arsenal of dispute letters you can have almost anything removed with some exceptions, bankruptcy, Liens, Child support, everything else we can tackle. First rule of thumb, start slowly with one item at a time and address that with a dispute letter.. Wait to hear back from them and if they say your dispute is frivolous then we send another letter asking for original documents from the original creditor and see where that goes but by all accounts that should be it but if it's not we then send a 623 letter. remember to send everything certified mail so you have get a receipt because remember they have to comply with in thirty days or it has to be removed..there are many more actions we can take to have these issues resolved. You should never have to spent more then one hr a week working on these options and we can show you all the in's and out's if you are interested in tackling this yourself, for more info you can read more here.

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“Pregnant Man” Thomas Beatie And Wife Separate After 9 Years #WebProNews webpronews.com/pregnant-man-t… check out screwedup-credit-repair.com

— john magee (@woodhavendr) April 21, 2012

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SEO for Fools and Dummies 7:44 AM 4/17/2012 I still see a lot of people offering submission services, and I still get a lot of people asking me if I can submit them to the search engines as part of my credit repair service, so I'm writing this article just to point out to those who're not yet aware - that you don't need to submit your site to the search engines. and you don't need a Large add campaign to get traffic to your site, you can get this all for free with a little time and effort. Everything else about SEO is pretty useless if you don't get your web pages on the search engines, so of course you need to be indexed on Google and the other main search engines, but you don't need to submit to get indexed. In fact, submitting would take a lot longer than the way you're about to learn. Just get a backlink to your new website, from a website which is already indexed such as my site, and the search engine bots will follow your link next time the page is crawled. Simple enough. no, Everyone wants to get on page 1 of a google search and how do we do that, Google says "page rank, backlinks, key words, etc. etc. All this SEO bull-shit that you can spend countless hrs. trying to figure out and still no success. This is my opinion of how google works. If your looking for a deal or want to make a purchase of some sort stay off of google page 1. go to page 20 or 30 that's where the deals are, page 1 is for suckers, all the big time advertising is there "PPC" pay-per-click, adsence, impressions, bounce rate. You dont have to be a genius to figure out what's going on. Advertising dollars get you on page 1 and most people never even check out page 2 and forget about page3. You can now get a seo tool from alexa and find out what your competitors add budget is, the average PPC for the heading Credit Repair for google is about $1.00-$1.20 that's what google charges every time someone clicks on my link in the credit repair search, "screw that" Most web sites fail simply due to low traffic and what can you do about that: here is your choices, advertise on google and get screwed by your competitors who have a group of people that just keep clicking on your link until your add campaign money allotted for the day is used up and guess what, the same three people clicked on your link 50 times and it cost you $50.00 Or you can spend the time and effort and build backlinks and post them on your home page and sitemap, If i have 5 good links on a home page that get me 10 hits a day I just got 50 hits for free that google wants to charge $50.00 for. Get the point. That is what you should be doing with your site's SEO and this technique works, eventually all the major search engines will index your site and your page rank will increase without spending a dime. my next post will be about just how to go about doing this the right way and what help you can get from other sites. how to find out what links are driving traffic to your site, sitemaps and a few other topics. and if your interested in a backlink to my site... read more Remember: The better link popularity of the site linking to you, the quicker the backlink is likely to get you indexed. (check the google pagerank tool for a PR2 or higher website, to get indexed within a week or so) Ensure that it's not a no-follow link. Some links, especially within blog replies, are set to nofollow, you don't want them - it means the crawlers will not follow the link to find your site. You can use tools such as the SEO for firefox addon for the mozilla firefox browser, to highlight nofollow links. & don't forget, you need your sub pages to be indexed too. Building a sitemap & registering this with Google, is a good way to ensure that all of your sub pages are indexed, but just having a good navigation system on your website will also do it. Article Source: http://screwedup-credit-repair.com

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Lighter Note for summer

Light My Fire While gas grills may offer ease and convenience, and gas grill lovers claim there is no taste difference, those in the charcoal camp disagree wholeheartedly. "I'll give someone a piece of something cooked over charcoal and they're just amazed because the gas grills we're so used to just have no flavor," said Ray "Dr. BBQ" Lampe. "Gas grillers talk about convenience, but there's more to it than that," said Lampe, who has appeared on the Food Network's "The Best Thing I Ever Ate." It is true that a charcoal grill requires more preparation time than a gas grill, Lampe acknowledged, but he said there are ways to speed up the coal-heating process. For one, he recommends using lump charcoal, which is much easier to light than traditional charcoal briquettes. "Lump charcoal lights really quickly; that's what most people around the world use," said Lampe, the author of several barbecue cookbooks. "Lump charcoal is just charred wood, so the good news is that it's just wood that you're cooking with. There's nothing heavy added to it." Another way to get coals red-hot quickly is to use a starter chimney, which is a large cylinder you fill with coals and place inside the grill to contain the heat and protect coals from wind. "Just put some newspaper in the bottom and put the charcoal on top," Lampe said. "In 10 minutes you've got a big batch of briquettes going and you just throw them on the grill." No Fuel to the Flame In areas where it hasn't been outlawed, lighter fluid can speed up the process of firing your charcoal. But ask any barbecue aficionado and he or she will likely agree that it's best to stay away from anything doused in flammable chemicals. "I recommend never using anything that has touched lighter fluid," said Henderson. "Sometimes the lighter fluid will affect the flavor of the food. ... We recommend using a chimney starter with lighter cubes, which doesn't add any extra flavor to the charcoal." Hybrid gas/charcoal grills do exist, so if you absolutely can't make up your mind there's a way to satisfy both sides of your barbecuing desires. However, having a smoke-and-ash-producing coal grill in close proximity to the intricate parts of a gas grill could cause complications. "There are a few categories of grills that offer both in one," said Henderson. "It's not particularly recommended to combine gas and charcoal because the latter creates a lot of ash and it can clog burners and cause problems down the road." Financial Planning Of course, like many things in life, your dream grill might not be the one that fits your current budget. Gas grills cost quite a bit more than charcoal grills and can run anywhere from $200 to thousands of dollars. In addition, gas grills must be cleaned promptly, and they have delicate parts that must be replaced and maintained to ensure the longevity of the appliance. You may get a decent coal kettle for under $100, and having fewer mechanical components to maintain means it is much more budget-friendly. "A charcoal grill lasts forever. There's no maintenance or anything, you just get some new charcoal and put it in there," said Lampe. Cleaning involves little more than scrubbing the grate and dumping the ashes. Bottom line is to think of your grill purchase as an investment. As with any piece of equipment, the longevity of your grill depends on whether it is sturdy and well-made. "There are flimsy grills out there that are not going to last---they're going to burn through," said Lampe. "Like anything, if it feels solid it's going to be an advantage." Take It Outside For people who want to take outdoor cooking to a new level, Henderson recommends investing in an outdoor kitchen. He said he's noticed an increase in customer interest in designing and building complete outdoor cooking areas. "The trend is definitely moving toward outdoor kitchens, because when people are investing in a barbecue, they're looking for the grill that will last them quite a while," said Henderson. "When you start putting it in perspective, an outdoor kitchen can actually increase the value of your home." So whether you're fond of gas or charcoal, there's really no right or wrong way to enjoy cooking over an open flame. The grill that best suits your lifestyle is the one that meshes best with your cooking habits, patience and philosophy on flavor. Do your research and make a list of features you want when you're picking out the newest addition to your home appliance arsenal. Read more: Outdoor Grilling: Gas or Charcoal? | eHow.com http://www.ehow.com/feature_8302125_outdoor-grilling-gas-charcoal.html#ixzz1s2NXxuKk

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