TEXAS……Some interesting reading for us Texan’s 

   Ok, Folks. Texas has given you complainers plenty of time to get used to the election results. After listening to all the whiners after the election, some folks from Real Texas have decided that we might just take matters into our own hands. 

   First a little history lesson. It’s our independent nature to point out the people who enjoy the Texas Lifestyle have the right to secede and form our own country once again whenever the people of Texas choose to do so. Some other states also have this right. The difference is, Texas has actually pulled that trigger before. 

   Yes, Texas was an Independent Republic before it became a state and can secede. Nothing inherently prohibits that from taking place. 

   Let’s get this straight. John McCain, a real American hero, carried Texas by over a million votes. Texans can still smell the fires of the Twin Towers . We would also honor President Bush. George Bush simply did what any Real Texan would do and that is to go try his best to annihilate anyone who was responsible for attacking us. We don’t fault him for that. We applaud that sort of behavior. 

It’s Texas politics, Texas style.   We’re ready to secede. 

Don’t get me wrong. We’re like y’all – We just don’t want to be like y’all. 

#1: Barak Obama becomes President of the United States (all the other 49 states). 

#2: Ross Perot becomes the next President of the Republic of Texas and invites John McCain to be an honorary Texan. We honor our heroes in Texas and honor their service. McCain is welcome here and he can be Secretary of the Texas Navy. Native Texan George Foreman will be Secretary of Defense. 

After that is all said and done, we wish Mr. Obama well. We really do. 

We expect one of Perot’s first acts as President of the Republic will be to tear down the border wall and erect a 10′ wall around Austin to keep the “Austin Weird” folks in and away from the rest of us. If they will just pipe their Texas music out over the wall, it will keep the rest of us happy. ( Just kidding my Austin relatives on that one.) However, Willie will be Secretary of Agriculture and music. Wonder what he will grow?

So what does Texas have to do to survive as a Republic? 

   Here’s a few things to be aware of. Texas is the 11th largest economy on the planet. We are bigger than Spain and right behind Great Britain . We are also bigger than Russia . We are an economic force to be reckoned with. We have a constitutional amendment to balance our budget..and we do it. We also have a multi-billion dollar budget surplus this year. We are so big, we have our own power grid. Yes, that’s true. 

What else? 

NASA is in Houston . (we will control the space industry). We refine over 85% of the gasoline in the United States . Defense Industry? We have over 65% of it. The term “Don’t mess with Texas ,” will take on a whole new meaning. Oil – we can supply all the oil the Republic of Texas will need for the next 300 years. Obama states? Sorry about that. 

As David Werst said, “We’re like y’all, we just don’t want to be like y’all.” You can buy oil (pronounced like y’all) from us instead of terrorist countries that hate you. We will love you for paying so much to us instead of Saudi Arabia , Venezuela , Kuwait and others. 

You don’t want to ‘drill baby drill’ or put up with those nasty oil wells? Well, we do and we know how to do it without polluting the land, air, and sea. BTW-We have our own ports and shipping lanes. We’re also not “waiting on our FEMA check” to rebuild Galveston . We are doing it right now as we speak. 

Natural Gas – Again we have all we need and again, it’s just too bad about you blue Obama states who don’t want drilling. We’ve been driving around with 
those big tanks in the backs of our pickups for years now. We’ll switch over to compressed natural gas. Obama will figure a way to keep y’all warm..according to your need. Or, you could use ocean waves, or make friends with Hugo Chavez or what’s his name in Iran . 

Computer Industry - we currently lead the nation in producing computer chips and communications: Small places like Texas Instruments, Dell, EDS, Raytheon, Motorola, Intel, Austin Technology Centers Etc , Etc. The list goes on and on. 

Health Centers – We have the largest research centers for cancer research, the best burn centers and the top trauma units in the world, and other large health 
centers. We have enough colleges to keep us going: UT, Texas A&M, Texas Tech, Texas State University , Rice, SMU, TCU, University of Houston , Baylor, UNT, Texas Women’s University, etc. Ivy grows better in the south anyway. We have a ready supply of workers (just open the border when we need some more). 

But, we won’t have an illegal immigration problem. Former Texas Governor candidate Kinky Friedman solved that. He proposed we pay 5 Mexican Generals a million a year to control illegal immigration-folks coming from Mexico to Texas illegally. For every 
illegal that slips through, we deduct $10,000. Wonder how many will get across the border into Texas ? We won’t need a Border Patrol. 

We like tourism. Come stay a while. Enjoy a Cowboys game or go to Six Flags over Texas ..then go home. We don’t need any more Californians coming here and messing things up. Or, they could live in Austin where we can keep an eye on ‘em. 

We have control of the paper industry, plastics, insurance, etc. In case of a foreign invasion, we have the Texas National Guard and the Texas Air National Guard. We don’t have an army but since everybody down here is heavily armed and has at least six rifles and a pile of ammo, we can raise an army in 6 hours if we need it. That’s the Texas way. When the tower sniper started shooting in Austin a few years back, citizens piled out of their cars and pickups and started returning fire within 2 minutes. 

Our citizens are licensed to carry handguns on their person. We have a saying down here: “If you mess with the bull, you’re gonna get the horn.” And an even more remarkable finding from the past.. Average murder per 100,000 residents in counties won by Bush: 0.1 of one percent. Average murder per 100,000 residents in counties won by Gore: 13.2. In Texas , even some of our school teachers carry guns. We won’t surrender our kids to nuts and terrorists without a fight. Don’t even think about messing with us. If you want the sticker, click on it. 

If the situation really gets bad, we can always call the Texas DPS and ask them to send over a couple of Texas Rangers. We are totally self sufficient in beef, poultry, hogs and vegetable produce and everybody down here knows how to cook them so that they taste good. Don’t need any food. 

Arts? Bob Wills is still the king, but we also like different types of music, Country..and..Western. We even have our own beer. Lone Star, The National Beer of Texas . This just names a few of the items that will keep the Republic of Texas in good shape. There isn’t a thing out there that we need and don’t have. 

Now to the rest of the United States under President Obama: Since you won’t have the refineries to get gas for your cars, we’ll sell you gas too. We’ll call the gas company Texasco or something like that. Happy to do it. You won’t have any TV as the space center in Houston will cut off your communications or ask you to pay for the signal. It will be Texas Direct TV. Hank Jr. will move here and be in charge of programming. 

Did you know we don’t even have an income tax? 

We have all we need here in God’s country and like I’ve already said, if we don’t have it, we don’t need it. We will have cheap, plentiful energy. The new Texas Secretary of Energy, T. Boone Pickens will be putting up thousands of wind generators all over the West Texas plains and since everybody else thinks Texas is full of hot air, we might as well take advantage of it. 

Good luck. Y’all are gonna need it. 

Signed, The People of Real Texas

   Holy Cow! As if the the current credit crisis wasn’t enough to keep you up at night worrying about your financial future, Experian just announced a MAJOR blow to the American public and it is not a good thing at all!

   Starting February 14, 2009 Experian has announced that they will no longer all you to purchase your FICO Credit Scores. As most all of my students and loyal readers of this blog know, having the ability to purchase all three of your credit scores is absolutely critical to you knowing where you stand with regards to approval of a loan and at what rate.  Now Experian wants to take away that access to info so that you will only know what your scores is when the lender actually pulls your credit for the application. 

   Does this sound at all like a conspiracy to you??? Well, if I don’t know what my scores are before I generate an inquiry, how do I know if I will be approved? Also, how will I know what rate I qualify for? I will have to take the word of the lending institution as to what my credit score was.

   In 9 days we will no longer be able to see the same information that lenders see. While you can, you should go purchase all three of your FICO credit scores to see where you stand as of today.

Here is the link…

http://www.MyFico.Com/12

   Unless something major happens, this will be the last time you have the right to purchase all three of your FICO scores and arm yourself with the knowledge of YOUR credit reports. For some reason, Experian doesn’t think that you should have that right.

   Matter of fact,  our FICO scores were hidden from us once before. Back in 2003 we were empowered to see this information. We have enjoyed the ability and freedom to know our real credit scores for almost 6 years. Unfortunately that freedom is about to end.

   This means that you won’t know your middle score (the one that almost all mortgage lenders look at when they pull your credit scores to determine approval and at what interest rate) and will be in the dark as to if you qualify and for how much. We all will be flying blind with most major credit purchases, especially mortgage approval for purchase, refinance, etc.

THIS IS NOT GOOD NEWS FOR ANY OF US!

  I am recommending that all of my students and readers call Experian’s media relations department directly at 714.830.5300 and share your thoughts and commentary with them. Leave a message if you don’t get a live person on the phone.

  Here is the official news release from Fair Isaac (FICO)

“Fair Isaac has long been committed to empowering consumers with information. Besides helping consumers understand and manage their credit profiles, we believe that consumers are entitled to know their FICO scores from all three major credit bureaus, since these are the scores lenders use to make credit decisions.

“We were recently notified that, effective February 14th, Experian will no longer allow consumers to view their FICO scores based upon Experian data. FICO scores from Equifax and Trans Union will continue to be available on MyFico.com”

So my friends, once again we must be vigilant in protecting our rights to know our credit scores and make sure that those housing that information are accurate and up to date!

   Okay, now that the holiday season is behind us…it’s time to get started on cleaning up bad credit that you may have accumulated during 2008. Let’s face it, this was one of the worst years on record for personal financial chaos.

   When I speak at real estate investing seminars across the country, one of the common questions that comes up is whether or not to hire a lawyer ( not some legal sounding dispute letter writing company) to challenge bad credit items. Here is my take on the subject:

   When repairing your credit score there are legal credit repair services and options to make this happen. There are rules that the credit card companies and banks have to follow when placing items on your credit report. There are also rules about having negative marks removed as well. There are companies that can help you have these negative marks removed from your report and get back your credit score.

These companies and organizations are well versed in the area of credit repair and credit scores. Their only job is to help people remove negative marks and fix the errors that credit bureaus regularly make on consumer credit reports. Unfortunately, these negative marks lower your credit scores greatly and can be extremely difficult to remove and receive assistance from the credit bureaus.

Common mistakes that are found on many credit reports include:

• Incorrect names or names that you have never gone by

• Misspelling your name or parts of your name

• Wrong addresses or address or states that you have never lived in

• Wrong job and employment information

• Mixing family information, accounts added because of the same last name, but that are not yours.

• Incorrect account numbers

• Credit limits that are too high or too low

• Payment history showing missed payments when there have been none

• Accounts that are not yours

• Bank and credit card names that are incorrect

• Showing accounts that are open that have been closed by the consumer

• Accounts showing closed by credit granter when they were closed by the consumer

• Duplicate accounts, the same account showing up multiple times on the same report

• Missing accounts that are in good standing that are not showing

• Incorrect balances of accounts

• Accounts that should have fallen off the credit report already

• Collection accounts that have been paid or are not yours

   These are just a few of the errors that are made all the time on consumer credit reports. Almost anything that the credit bureaus and credit card companies can make a mistake with, they will. You have to check your report at least once a year to make sure that it is right and error free. All these different mistakes can add up and drastically lower your credit score.

   Even when some errors could be in your favor, they should still be fixed and shown to report accurate information. It is all a part of your credit report and all information should only pertain to you and reflect accurately your credit history. That is when a professional legal credit repair service is very useful.

   They will help you write and create the letters to send to have these errors fixed. For example, when you appeal an item on your credit report you can request that you be sent proof that the account is yours. If the credit card company or bank can not do this, then the account must be removed immediately. They are only given a certain amount of time to do this and if they fail to do so, then the credit bureau must remove or correct the information.

   Also, accounts can only stay on your credit for so long, after that they must be removed. These items and many more will be taken care of by a legal credit repair service. If you are looking for fast credit repair, then using a legal credit repair service will make that happen. They can help you recover your credit score and get you on the path to financial recovery.

Bottom Line?

Give Yourself The Gift You Deserve To Have The Highest Credit Scores Possible! After All, You Deserve It. Your Financial Future Deserves It!

If You Want In-Depth Tips, Techniques, and Information About Cleaning Up Your Bad Credit, Explore My Site. http://www.crushingthecreditbureaus.com