Liberty Credit Repair

i am 17 y/o right now. wont be 18 till mid october. i have researched this topic abit. i have seen a circumcision in life and am sickened by what happens to them infants. i was cut at birth. i would like to do this procedure, but i am still living at home and wont move out till after i graduate hs next year, and i have no credit card either. now i am wondering how to discuss this topic w/ my parents, since the foreskin restoration discussion is always awkward. if i were to get a device from like ebay or tlctugger.com, my family is the type to open or inspect packages even if its not theirs. if i did get a device and they saw it, i don’t think they would even know what its for (i would feel embrassed if they did know what it was for). there is also the charge on the credit card. how do u suggest i open up a discussion about this topic w/ my parents and persuading them to let me do this? any tips would be helpful.

uncannyx is woefully ignorant about what circumcision does and how foreskin restoration works.

While restoration doesn’t replace the amputated nerve endings and damaged nerves, veins and other things, it does dekeratinize the glans and surrounding tissues, and the new inner foreskin is even more sensitive than the glans, adding a new dimension to sexual feeling that I never experienced before. It also dramatically increases the intensity of orgasm.

I have a theory that, with the glans finally covered again, the way that nature intended, the remaining undamaged nerve endings compensate for the missing ones, and the restored sensitivity is much like that of the intact male.

In any case, it’s well worth the time and effort to restore, and I feel more whole and natural as a man, both in function and in appearance.

I’m not finished with my restoration yet, but have accomplished great gains with my TLC Tugger.

While at your age, it is difficult to talk with parents about something so personal. They may or may not understand, as when they had you circumcised, they thought that it was the best thing to do. Don’t be too angry with them for this decision, they were misled by the old wive’s tales and outright lies about the so-called benefits of circumcision.

You can start restoring by using a manual technique, it’s quite simple, just try to pull the shaft skin over the glans with one hand, and with the other pull down on the skin at the base of the penis. Don’t use too much force, it can cause skin tearing and scarring.
Just tug to the point of mild discomfort. I reccommend doing this several times per day; possibly morning and night when in bed would be the most convenient. You can also take a little extra time whenever you urinate to tug for a minute or two.

Don’t try to rush it, and don’t expect results right away.
With my Tugger, I experienced some gains in about three months, with some heightened sensitivity.

But it depends also on how tightly you were circumcised.

If you have some loose skin, you have a bonus, and it will be easier. Just remember not to use too much force. Lotion on the penis will also help, as the skin tends to dry out and become brittle with tugging.

Even the manual technique should give you some slack skin to work with when you get a device, so that it has some skin to "grab onto," and this will give you a boost and a good beginning for restoration.

Some guys who were cut excessivly tight need to use taping methods (there are support groups who can advise on techniques on the internet) and it takes them longer to get enough skin to restore.

I quite frankly don’t know about how you could talk with your parents about this. Mine were dead before this ever came up, and my own father was intact, but until I knew about the damage that had been done to me it didn’t occur to me that the difference in our penises was important. I would have liked to have asked him why he had it done to me, when he was intact, now that I look back.

About 200,000 guys are restoring now, and restoration is nothing to be ashamed about.

The shame goes to the penis butchers who mutilate helpless infants and try to perpetrate it on all males.

Circumcision is the worst hoax ever perpetrated on the male sex.

A foreskin is not a birth defect; it is a birthright.

ERIC

Now that recession-warning lights have begun to blink, Democrats should give tax hikes a rest.
As tax-happy Democrats might have noticed, the stock market resembles a kindergartner on a swing set: half-giddy, half-scared, and hyperactive. Meanwhile, payrolls sagged by 4,000 positions last month. Not since August 2003 has America created no new jobs. Fifty-two economists in September 13’s Wall Street Journal offered a 36-percent average probability of recession by next September, up from 28-percent in August.

Oil hit $81.93 per-barrel Wednesday — hardly good news. And the tumultuous home-mortgage industry suffered 243,497 foreclosure listings last month, up 115-percent versus August 2006, RealtyTrac.com reports. This mess triggered 12,000 layoffs, just at lender Countrywide Financial Corp. To prevent tight credit from suffocating the economy, the Federal Reserve Board Tuesday hastily administered a 0.5-percent federal-funds-rate reduction.

Amid these worrisome omens and genuine human suffering, the last thing America needs is for congressional Democrats to stuff a pillow over the economy’s face. But they can’t control themselves.

“Through 2012, the Democratic Congress’ new budget raises taxes $217 billion,” the National Taxpayers Union’s Pete Sepp calculates. “If no surpluses appear that year, another $175.5 billion tax hike automatically kicks in.”
This $392.5 billion includes a halving of the per-child tax credit, restoration of the marriage penalty, a 50-percent leap in the low-income tax bracket (10-percent under Republicans; 15-percent under Democrats), and the resurrection of the Death Tax — from 0 to 55-percent.

After August’s tragic Minneapolis bridge collapse, House Transportation chairman James Oberstar (D., Minn.) proposed a “temporary” nickel-a-gallon federal gasoline-tax increase. Never mind that existing gas-tax revenues vanish into narcissistic pork projects rather than urgent infrastructure repairs. Such a tax hike would “cost American motorists an estimated $25 billion over the next three years,” NTU reckons.

Democrats cannot plea that soaring deficits require tax hikes to absorb red ink. Indeed, the federal budget gap narrowed from $413 billion in 2004 to $158 billion today, proving that the best deficit medicine nearly always is to limit taxes and consequently unleash American enterprise. A thinner federal slice of a bigger economic pie usually yields revenues exceeding pre-tax-cut levels.

Federal receipts have zoomed 7-percent this year. “The tax cuts are working exactly as intended,” Heritage Foundation analyst Brian Riedl argues. “Lower tax rates have increased the incentives to work, save, and invest, and as a result, the economy has grown faster than expected.” He adds: “Concerns that the Bush tax cuts would lead to a long-term shortfall of government revenues have proven false …Tax revenues in 2007 are now estimated to be $70 billion above the level projected even before the 2003 tax cuts. In other words, tax revenues are now above their pre-tax cut baseline.”

Democrats cannot deny what happened after President Bush and Capitol Hill Republicans slashed maximum capital-gains taxes from 18 to 15-percent in 2003. Rather than dwindle $5.37 billion between 2003 and 2006, as the congressional Joint Tax Committee’s antique, static-analysis model wrongly predicted, revenues actually advanced $53 billion.

Foreign economic ministers understand these lessons and are lowering taxes as if Franklin Roosevelt never lived and Ronald Reagan never died.

“Sweden and Russia last year eliminated their estate taxes because they said the tax was economically counterproductive,” economist Stephen Moore wrote in the August 31 Wall Street Journal. “In Germany under Chancellor Angela Merkel, the corporate tax rate has been reduced to less than 30 percent from 39-percent.” Poland recently chopped its business tax from 27-percent to 19.

Even Hanoi gets it! Thanks to corporate-tax relief, “the business environment will become more and more attractive, resulting in increased investment,” Vietnamese tax chief Nguyen Van Ninh told Moore.

While America’s corporate tax levitates at 35-percent, seven European Union nations have lowered business levies this year. The EU-average corporate tax is 24.2-percent.

“Further corporate tax rate cuts are being implemented in Germany, Estonia, Spain, and the United Kingdom, and rate cuts are being discussed in the Czech Republic and France,” observes Cato Institute senior fellow Dan Mitchell. “Even the bloated welfare states of France and Sweden have lower corporate rates and generally better corporate tax systems than America.”

Democrats thus resist global pro-market trends, even among progressive governments long on social solidarity and short on “reckless cowboyism.”

But, for most Democrats, these facts and numbers are irrelevant. Taxes are not about merely funding vital government duties and basic public services. They are meant to punish the wealthy, “correct” personal behavior, and distribute universal largesse. Thus, Democrats itch to raise taxes on highly lucrative private-equity partnerships, from 15 to 35-percent.

True to form, the Democratic Senate voted in August to hike cigarette taxes 156 percent, from 39 cents to $1 per pack. This would ignite a massive explosion in the State Child Health Insurance Program. The Democratic House extended government medicine to kids in families of four earning quadruple the Federal Poverty Line, or $82,600 — twice today’s threshold. The House also redefined “child” as an eligible boy or girl …up to age 25.

While America’s economy clings from a ledge, Democrats dance on its fingertips. When the donkey party promises “change,” it delivers — good and hard.

that’s funny, what you call "raising taxes" i call "repealing Bush’s tax cuts for the wealthy"

isn’t it amazing how we can both be technically correct but that by saying it this or that way one can give it a really good spin?

http://www.creditrestorationmasters.com
9 Greatest Myths About Your Credit. You will be surprised to see all the negative items that can be removed from your credit. Visit our website for more details.

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Technorati Tags: credit repair, Credit Repair Services, Credit Restoration, credit restoration services, fix my bad credit, fix my credit

I have not the best credit, a car loan and a mortgage and am interested in getting hair restoration next year. I know its about 16,000 are there places to apply for plastic surgery financing, if so what are the best options and where can i research this?

Instead of financing, consider Medical Travel. In Monterrey, Mexico we have top-notch cosmetic and plastic surgeons with international training who operate in JCI accredited hospitals. Procedures here are between 40%-70% less than what they cost in the U.S. Please contact www.travelforcare.com and get a customized quote. Monterrey is just an hour flight South of Houston, Texas.

http://www.vrtmg.com/mthompson United Credit Education Services helps give consumers who are negatively affected by poor credit the opportunity to achieve their financial goals and dreams. Our service provides the industry’s most comprehensive program to consumers who have been turned down for a mortgage, car loan, credit card or any type of credit due to credit problems. Our combined expertise and state of the art technology has helped thousands of customers to improve their credit standing and lower their debt

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My Credit Score Is under 500 Total outstanding debt is around $5000. I have Charge offs. late pays No bankrupts Chapter 7 Forclosers A credit repair Sevice said they could remove most of my debt cost $700.00 Question were could i find a small loan to pay off any and all debt to improve my credit Score .If so , how long will it take to Get a 700 credit score.I Have a Small Cleaning@restoration bussiness @ A full time Job: Ray

?redit repair work?d fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service – buildcredit.ifastnet.com

I found it on the website. It says it brings instant credit restoration and only costs $4,800.00.

Save your money please – Try and find a CCC group near you or in thenext town you live in – ok….I love the www but – that is alot of money to shell out – and have never heard of them. You could call them, get their address and call the Better Business Bureau and see if they have any complaits on file.

Here is some other information – ok

How To Improve Your Credit
. If you have had credit problems, be prepared to discuss them honestly with a mortgage professional. Responsible mortgage professionals know there can be legitimate reasons for credit problems, such as unemployment, illness or other financial difficulties. If you had a problem that’s been corrected, and your payments have been on time for a year or more, your credit may be considered satisfactory.
If you are currently in excess debt, there are four ways to control it:
. If your credit is not in terrible shape, you can reduce your other expenses, even if it means making hard choices or changing your lifestyle to fit your income. Consider selling a second car, taking equity out of your home, applying for a non-secured signature loan, obtaining a loan from a relative, selling your home and paying off your debts with the proceeds and then renting, cashing out your 401K/retirement benefits or selling family heirlooms, jewelry, etc.
. If your credit is already damaged or one of the above isn’t an option, go through Consumer Credit Counseling Services (CCCS). Check your yellow pages for the local number. CCCS may be able to help you pay off your debts as if you were in a Chapter 13 bankruptcy, but you don’t actually file for bankruptcy.
. If CCCS won’t take you, you may want to consider bankruptcy. Claiming Chapter 13 bankruptcy takes longer than a Chapter 7, but your credit will end up in a little better standing. Chapter 13 bankruptcy gives you up to 5 years to pay off your debts. The disadvantage is that you’re in bankruptcy for up to 5 years plus your credit report shows your bankruptcy for 7 more years after you have finished paying off your debts.
. If you are so far in debt that you can never repay it, then the best solution may be a Chapter 7 bankruptcy. A Chapter 7 bankruptcy is the least desirable from a credit standpoint, but you are typically out of bankruptcy in 6 months and you don’t have to repay any debt. The disadvantage is that this shows on your credit report for 10 years from the date of filing your bankruptcy. (it used to be 7 years).

Good luck to you.

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My site helps people with bad credit purchase a home. It also has information about credit restoration and other very useful information.

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I’m new to this whole credit nonsense. My question is; Should I sign up for Credit Monitoring/Restoration when I don’t have a Credit Card? I have a Visa Debit…

Is this a stupid question???
Ahh, thank you everyone. =)

That’s not a stupid question. It’s smart, because you want to know more.

I don’t think you need to sign up for credit monitoring. I personally think credit monitoring for the most part is a scam, and just a business, like anything else. It might be good for seniors or people who are totally clueless about their finances, but I think you sound savvy enough to start doing it yourself. It just takes a little time.

Credit monitoring is more of like a protection against identity theft. So, technically, yes, even though you don’t have a credit card, you could still ‘need’ credit monitoring, because your identity could still be stolen, a person could still steal your social security number and other info and create phony credit accounts in your name. In that situation, what a credit monitoring service would do is alert you to any new and unusual information on your credit report. They also offer an insurance of sorts, usually covering a certain amount of $$ in damage if anything actually does happen like that, and sometimes offer assistance in getting it resolved. In addition, someone could also use your Visa debit card like a credit card online to make phony purchases (happened to me). But, when stuff does happen, banks I’ve found are used to dealing with this sort of thing, and pretty much try to help you get it corrected as quickly as possible, even temporarily fronting you the amount that was stolen, while they conduct an investigation. If it turns out to really be fraud, they will let you keep the money, as long as it’s not more than xxx. So, a monitoring service is often an act in redundancy IMO.

Credit "Restoration" is something different … it’s a service that would go through and "restore" your credit either after you screwed it up yourself, or someone stole your identity and screwed it up for you. Again, it’s more like an insurance policy, and unless the situation got way out of control, anything that happens is probably something you could handle on your own. (phone calls, paperwork, persistence)

But, if you have no idea about credit, you probably don’t know your credit score, so there’s no way you’d know whether or not you’d need to "restore" anything just yet.

My suggestions:

1. Start checking your credit score regularly. Visit www.myfico.com (they’re the people who actually created the FICO score, totally legit) and purchase a credit report from each of the 3 credit agencies, or at least just Equifax if you can only afford one. They’re about $15 each. The only agency I don’t really like is Experian, because they stopped providing as many details. You’ll see what I mean if you get 1 from all three. My other BIG suggestion would be to buy the Suze Orman credit kit or whatever it’s called on myfico.com. It’s about $50, BUT it includes 3 free credit reports (so you’re only spending an extra $5 really), and it makes reading your credit report WAY more user friendly, & explains each section in plain English. It also tells you what you need to do in order to improve your score. And, if there are any accounts on your credit history that are fraudulent, it supplies info and forms on how to go about correcting it. I’ve been using it for several yrs, and it’s one of the best things I did to start understanding my credit. I check my scores every three months, which might be overkill, but I’m paranoid, lol. IMO you should check them at least 1x a year, more often if you’re going to be taking out a loan or applying for a card of any kind, so you know what kinds of interest rates you’ll be eligible for.

Also, I would NOT get my credit report through any of those "freecreditreport.com" type places … usually you have to sign up for some ‘trial’ service, that then takes an arm and a leg to cancel. Or, you’ll start getting thousands of pieces of junk mail daily, because you’ve now provided them with all your personal info.

2. Check your bank account *frequently* to make sure no unusual purchases or transactions are taking place. I’m anal, so I check my account online every day to see what’s gone through, etc. A few months ago when I logged in and saw several fraudulent transactions totaling more than $600 going through, I was glad that I was so anal! I caught them right away, and contacted the vendors and had them reversed.

If anything does ever happen, as far as someone stealing your identity, as long as you catch it quickly, although still a hassle, in my experience it doesn’t have to be devastating. I’ve had identity theft happen to me 3 times in my life so far. Each time I caught it right away and was able to notify my bank or the vendors from whom the service or product had been purchased, they did an investigation, I filled out a bunch of paperwork, and it was resolved in a couple of weeks. Once a phone company employee created a phony calling card in my name, and charged $3k worth of phone calls to my bill. That took about a month to have resolved. It’s a pain in the butt, I’m not going to lie, so it’s up to you – a credit monitoring service might provide assistance in getting it resolved.

Stuff does happen, and you do need to protect yourself. If having a credit monitoring service works better for you it’s definitely something to look into. But, I don’t think it’s anything you can’t do on your own, and potentially do a better job at.

You can also call each of the three credit agencies, and ask them to put a kind of lock on your credit (I think it’s actually called flag) on your account. The *downside* is when you go to apply for a loan or credit card, the lender will see that flag and then have to go through extra steps to get you approved (usually involves calling your personal phone number, to speak to you directly). And, from my understanding, once on there, the flag cannot be removed, it has to expire.

The 1 program I do like the sounds of, is LifeLock … for a fee, they protect your credit and identity for life. The downside is similar to what I was talking about in the previous paragraph, not as easy approval for credit, etc.

Good luck!