No Not What's In Your Wallet What's In Your Credit Report

We know what's in your wallet high interest rate credit cards

No, Not What's In Your Wallet? What's In Your Credit Reports?

We know what's in most Americans wallets, high interest rates credit cards ranging in interest rates as high as 29%. So .@CapitalOne, please stop asking.

What’s in your credit profile? You have no idea, do you? Because you're too afraid to check!

60% of the population has credit report fear, shame and embarrassment!

There is nothing to be ashamed or embarrassed for! You're allowing this fear; shame and embarrassment keep you from addressing you're credit concerns!


A staggering 189 million citizens, of our 315 million citizens are at risk or in danger of financial ruin due to error, inaccuracies and or outdated credit information.

Shall we be a population afraid of facing our fears, or do we set a new course?

There were more than 315 million people in the United States when the calendar flipped from 2012 to 2013, according to the U.S. Census Bureau.

According to the Bureau's estimate, the precise U.S. population will be 315,091,138, which is an increase of 2,272,462 people since the 2012 calendar year started. That 0.73 percent increase is in keeping with population growth during 2011, and a marginal uptick over 2010 (0.6 percent growth), but still not on the pace of 2009 (0.9 percent).

The Census bureau also estimates that one new baby will be born in the United States every eight seconds, while one person will die in the country every 12 seconds. So since you started reading this post, we've added six and lost four.

Out-of-Date Entries on Your Credit Report

Negative information such as: delinquencies, bankruptcies, charge-offs, loan defaults, foreclosures, law suits and judgments, and tax liens are barred from forever appearing on your credit report. The Fair Credit Reporting Act (FCRA) requires credit reporting agencies to remove most negative information from your credit reporting after the credit reporting time limit has expired. Reporting old, out-of-date information is against federal law.

According to the FCRA, credit reporting agencies cannot report negative information for an undetermined amount of time. In fact, negative information can only be reported for a specific amount of time.

Bankruptcies can be reported for ten (10) years. Civil suits, judgments, and records of arrest can be reported for seven (7) years.

Paid tax liens can be reported for seven (7) years from the date of payment.

Accounts placed in collections can be reported for seven (7) years.

If out-of-date entries appear on your credit report, notify and dispute the credit reporting agency right away. Federal law requires the credit reporting agencies to investigate your dispute. If your dispute has been ignored, you may seek legal action under the FCRA.

These items will not be removed on their own from your credit report, which they should. Neither will the reporting agencies remove them from your credit report without you taken action, which they should.

Credit fear, shame and embarrassment are a thing of the past! I encourage you to take action!

Obtain all three of credit reports for every member of the family. Check theirs as well for error, inaccuracies and or outdated credit information.

In today’s economy, credit is just as essential as the four elements of life Fire, Water, Air and Earth. Not equal, just essential!

How you manage your credit reports, will determine the quality of life you’ll have. Stay on top of them, maintain them, protect them, and secure them. Do this and credit shall be there when you need to obtain it.

Annual Credit Report: where you can obtain all three of your credit reports. 100% free credit reports! Review all three of your credit reports for errors, inaccuracies and or outdated credit information.

I encourage you to seek out a professional to go over the credit reports with you, should you have questions. Which you will, have lots of questions!

Here are two shocking videos about Wealth Inequality in America and our Koch problem.

Wealth Inequality in America:

The Koch Machine:

If you don't know, now you know .@RBReich is the real Ex-plainer in Chief. He is the only person I know, that can explain anything economy related in 3 minutes or less.

If you haven't seen Inequality For All, check out the trailer:

What is credit? As with all things credit has a history as well.

The history of credit:

Welcome to The FEEL Center Project LLC

The FEEL Center Project is a combination of four elements I found to be essential to creating, maintaining, protecting and securing ones financial well-being.

1) Finances; you must have a great relationship with your money!

2) Education; information is power!

3) Employment; should be an opportunity, not be a chore!

4) Legal; proper representation should you need it!

Corporate Overview:


About me:

You can reach me on most social media platforms:






Business email:

Personal email:


Cell: 805-428-9424

Share this post with your relatives, friends, coworkers, employees, church members, teammates and partners. Everyone you know, struggling with credit concerns, could truly benefit from this post.

I wish you and yours, continued success and all the best in your endeavors.

Stay credit wise and credit smart!

#UniteBlue #whatsthebigidea .@ChristineRomans #libcrib .@OFC_CA