outspokenreality34

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    outspokenreality34

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  • Member Since:

    December 25, 2008

  • Sex:

    Female

  • Location:

    Orlando, FL

  • Race:

    Black/African American

  • Zodiac:

    Aquarius


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In my research, one of the errors with student loans is duplicated loans. Years ago, prior to the wake of Identify Theft, most of the student loan ACCOUNT numbers were with your social security number. Let me give you an example. Let's say you opened an account in 2000. Your account number was your social security number. Therefore, whenever you applied for CREDIT, your social security number was on you credit report with the SS#. Around 2004, Sallie Mae and others decided to protect YOU, and changed all your ACCOUNT numbers to a NEW ACCOUNT NUMBER. When this change happened, you ended up with the old account (SS#) and then a new account. Thus, having two accounts reporting on your file. In reality, you should have ONE loan. How does a duplicated account affect you? Well, the FICO SCORE, takes into consideration the # of installment acccounts, when it pulls your score. Take a look even further. Lets say you have four loans, Well, now you have EIGHT showing on your file, when it should only be four. How does this affect your ability to apply and get approved for a loan. Well, if your payment amount(DEBT) is $100.00 dollars a month on ONE loan. It would reflect that you are paying $200.00 dollars a month. This means not only is the duplicate account wrong but you DEBT RATIO is wrong. When your DEBT RATIO IS WRONG. Your appear to be in alot of DEBT, when you really are not. DEBT RATION IS CRITICAL WHEN BUYING A HOUSE, BECAUSE YOU HAVE TO BE IN A CERTAIN PERCENT. THIS ONE ERROR COULD MEAN THE DIFFERENCE IN YOUR APPROVAL FOR THAT HOUSE. IT COULD ALSO MEAN THAT IF YOU GET APPROVED FOR THE LOAN, YOU MAY BE PLACED IN A HIGHER RISK LOAN (HIGH INTEREST) COSTING YOU THOUSANDING OF DOLLARS. If you want to continue reading the rest of the blog you will find it @ www.creditadviseforyou.ning.co m or join below.
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know the seven or ten reporting law of bad account on your credt

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Since there are so many mistakes that may be on your file, having an old copy can help you years down the road. Why? This is the only way you can prove HOW old a bill really is. If the account was on an old collection 5 or 7 years ago, the account still may be on your file. Did you know that collection companies will still try to COLLECT, pass the seven year law that allows certain accounts to be on you file?

Have you received calls from a bill collector for a bill that happen years ago? Or do... (continue reading)

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Knowledge is power

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Photo and video editing at www.OneTrueMedia.com (continue reading)

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BlackKarma02
BlackKar...

Male, 39, Orlando, FL

Posted July 03, 2009


LOL! look what they wrote about you in their blog! http://blogs.blackplanet.com.s angwookentry.1424211.info I hope its not true!



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BowLegLewie
BowLegLewie

Male, 53, Plant City, FL

Posted January 21, 2009


I Wrote These Poem's For A Very Beautiful,Sexy, & Seemingly Phenomenal Woman, You are So Special, Happy Birthday My Queen

"Your Heart and Soul is What Defines You"

When initiating compatibility is effective for those involved, ones soul connects the inner essence of another. Not forcefully, not intentionally, not by influences of the soul, but freely as in a unrelenting choice we endure. Life is free of all types of choices that are perceived as another option of life. We come in peoples lives for a reason not defined by our own choices sometimes do to supernatural influences and occurrences. The reason is also not defined, but put there for the sole purpose of some kind of benefit for the receiver, and some are for a lifetime. You should not have to alter your beliefs or yourself to please someone of your affection or relevance. Everyone who should be around in your life will be there if it has value as in a friendship that is undeniable. Make perception of life what it is to be free to be loved unconditionally and cherished for who you are and become. Share your love and stay blessed, be happy and achieve bliss in all that your heart desires. Love is not about just giving into someones wishes or their desires, however, when your soul has become enriched and complete so is the heart, because the "heart and soul" are what defines you nothing else.........Gregory W. Lewis Sr.

"God's Love Is"

God's LOVE is the ANSWER to all of life's problems and tribulations, God's LOVE came down to earth & was spreaded by a prophet, & through his LOVE he lived and died so that we could be FREE. God's LOVE is unconditional and absolute and has no limits, God's LOVE is compassionate & is never inflated with pride. God's LOVE is soothing and comforting, it has no despair or inhibition's. God's LOVE is a feeling that must be showed through emotion's an action. God's LOVE is not selfish, but gives without hesitations or reverance. God's LOVE give to receive but also gives just because you must share. God's LOVE is never jealous or envious yet must be explored. God's LOVE is like marrow to the bones its enthrenced in your being. God's LOVE is all things magnificant and never castestropic. God's LOVE is a seven letter words that means so much more than just saying. God's LOVE is putting others before yourself and never complaining about What just happened. God's LOVE is compromising for the greater good of two people or of your family. God's LOVE is forgiving one another for each other's faults and seeing beyond the pain and despair of misunderstandings. God's LOVE is acknowledging that you need someone else to be a compliment not complete you. God's LOVE is letting down your guard and letting someone else in your world. God's LOVE is being able to fight for love when times get hard and overbearing. God's LOVE is realizing who you love unconditionally and your sure and if you are, then make it WORK for eternity! God's LOVE is real and LOVE is true without reservations. God's LOVE never betrays anybody, even if the person gives up on themselves in life situations. God's LOVE is greater in strength than you and I. God's LOVE is always worth giving a chance to show bliss and serenity. God's LOVE is LOVE what more can anyone can every say, But with God's LOVE, love each other and have a magnificant and surreal day.......Gregory W. Lewis Sr.

Rose Birthday
imikimi - Customize Your World



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BowLegLewie
BowLegLewie

Male, 53, Plant City, FL

Posted January 06, 2009


I Wrote These Poem's For A Very Beautiful,Sexy, & Seemingly Phenomenal Woman, You are So Special My Queen

"Thank You My Queen for Being You"

Baby, Come a little closer to my determined desire, let me whisper in your waiting and responding ear. Let me tell it to you softly that without hesitation and reservations you are So Sexy, So that no one else will hear, I whisper how wonderful and beautiful you are. What I have to say is private, but always your in my heart so for only you and me to Share,and intimate moments is just between us two and to expound on how much I really adore and appreciate you; just want you to know how much you mean to me In my life and without you and God I'm nothing, I love the things you do and the many ways you do them is so special which makes you Phenomenal. Sexy is not a Word its a attitude and Body of work and all in my desires I crave that part of you that separates you from anyone I have ever seen. Your smile, your walk, your face, your body, your natural way of solving my needs, the way you make me smile when you enter the room, & your eternal Spirit which defines you makes you All the Woman I need and Tell you simply. "Thank You My Queen for Being You".....By Gregory W. Lewis Sr.

"Your Love is What Makes me Want"

As I sit here and reminiscing - I can't help but feel so incomplete,How I wish it just wasn't real, but in my realm, It feels like forever in time - that's how long your heart has been gone astray, But it will seem like an eternity with every passing sunrise to sunset, You've become such a unreplaceable part of my life since we first met, And the first time I saw you I knew what I wanted to do, No what I had to do, But I told myself 'No I couldn't' - but did it anyway, I had to kiss & Caress you - 'cause I didn't know what other card to play, And who would've thought from that uncertainty - I would fall in love with you? I could feel myself falling - but there was nothing in my Power I could do,I knew it was what I wanted deep down inside like a supernatural spirit; Though I couldn't fight the desire even if I tried,Now the time has come to see you go - it's time for you to leave me wanting, I can feel it already - I will miss you so much my Queen, Just please hurry back to me - for I don't know what I'll do, I can't help it - what can I relay to do - I'm just in love with you,I will long and wish to hold you close and here in my heart, And when you return - I'll be waiting patiently- I'll be here. "Here for our Love".....By Gregory W. Lewis Sr.

"Destiny Is Your Intoxicating Smile"

Hello Beautiful wanted to let you know I ran across your face by chance and in life we often meet people just this way and maybe brought together by some other means by just passing each other in a crowd. Just wanted to let you know I think you are a gorgeous woman in spirit and in beauty. Having said that this is the real reason in writing this, I want to touch your heart,mind,body & Soul. If your interested give me a chance to prove in life that Sometimes phenomenal things are apparent only when given value. Your power over mere mortals is not in your natural beauty, but in your pure essences your "Smile". Your smile is the gateway to the surreal, Yet its intoxicating and it keeps me wanting everytime you walk into the room and in my memory you are always there. Passing your essence in our first encounter made me realize that destiny was only a few feet away. You are so Gorgeous naturally in beauty, but also in You just being you which in my view makes you special. Believe in Destiny not becouse it was pre-written, but it satisfy that special want you have in your spirit as I realize that passing you in a crowd was only the genesis of our Destiny and your smile is payment enough to prove your worth more than Gold, and Intoxicating is only the effect not the absolution. In retrospect all I require from you, is that you never lose that smile, and everything and everyone will fall in place. You are so Special, and being Special is earned not Destined...By Gregory W. Lewis Sr.
Smooth Living
imikimi - Customize Your World!





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