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Monday, November 30, 2009

Did you know you can repair your credit?

Did you know that you can correct your own credit?

It can take a month or so but with a letter like this disputing items on your credit report, you can get negative items removed from your credit. In most case creditors have to follow a guideline on reporting negative items on your credit. Generally in most cases most companies follow the rules, but sometimes you have companies that place negative information on your credit illegally. When that happens, if you dispute then that company has an obligation to remove any negative items that they place on your credit. It really is that simple.

Now after you send this letter to the Credit Bureaus, the Credit Bureaus will then send the letter to the creditors. Now if they the Creditors do not respond within that 30 days to your dispute then the items have to be removed.

So it really is that simple, it just takes time and patience. If you do not have your Credit Report simply request it for any of the 3 credit reporting agency. You may receive one free credit report a year. I hope that this helps

December 1, 2009

Marcus Smith
1202 Pledgen Street
Memphis, TN 38124

Order Credit Report: 888-397-3742
Report Fraud: 888-397-3742

Dear Sir or Madame:

All agencies are legally required to follow certain procedures when reporting delinquent consumer debts to credit reporting agencies. I am writing to dispute the following information in my file because proper protocol was not followed. My rights as a debtor have not been considered as stated under U.S.C. 3711. I’m utilizing my right to dispute said debt, I have enclosed a copy of my credit reports. Please all of the negative information in regards to my credit. Please remove any of the negative information about my accounts.
Enclosed items:

A Credit Report

B Copy of Drivers license

Please reinvestigate these matters and delete or correct the disputed items as soon as possible.


Enclosures: Credit Bureau

The three major credit bureaus are:
Order Credit Report: 800-685-1111
Report Fraud: 800-525-6285
Order Credit Report: 888-397-3742
Report Fraud: 888-397-3742

Trans Union
Order Credit Report: 800-888-4213
Report Fraud: 800-680-7289

Did you know that a CPN Number is another alternative to building your credit score to a 700 to 800 within 30 to 45 day period?

Now if you didn't know, now you know...

To see more did you know that trivia click here

Sunday, November 29, 2009

Did you know these stupid acronyms

Stupid Facts - Common Acronyms

Your probably forgot what some of these actually mean.

  • A.D.: Anno Domini

  • a.m.: Ante Meridiem

  • CNN: Cable News Network

  • COBRA: Consolidated Omnibus Budget Reconciliation Act

  • DNA: Deoxyribonucleic


  • EKG: Electrocardiogram

  • Epcot: Experimental Prototype Community of Tomorrow

  • FAX: Facsimile

  • IMAX: Image Maximum

  • JPEG: Joint Photographic Experts Group

  • MASH: Mobile Army Surgical Hospital

  • NASA: National Aeronautics and Space Administration

  • NASDAQ: National Association of Securities Dealers Automated Quotations

  • NCAA: National Collegiate Athletic Association

  • RADAR: Radio Detecting and Ranging

  • SCUBA: Self-Contained Underwater Breathing Aparatus

  • SWAT: Special Weapons and Tactics

  • UPC: Universal Product Code

  • YMCA: Young Men's Christian Association

  • ZIP: Zone Improvement Plan Code

To see more did you know that trivia click here

Did you know these stupid company abreviations?

Did you know these Company Abbreviations
  • AFLAC: American Family Life Assurance Company

  • ALCOA: Aluminum Company of America

  • AMC: American Multi-Cinema

  • AT&T: American Telephone and Telegraph

  • CVS: Customer, Value and Service

  • F.Y.E.: For Your Entertainment

  • FTD: Florists' Transworld Delivery

  • H&M: Hennes and Mauritz

  • intel: Integrated Electronics

  • LG: Lucky Goldstar Corp.

  • Nabisco: National Biscuit Company

  • UPS: United Parcel Service

To see more did you know that trivia click here

Did you know these fart facts?

Stupid Facts - Fart Facts

  • Farts are created mostly by E. coli.

  • On the average a fart is composed of about 59% nitrogen, 21% hydrogen, 9% carbon dioxide, 7% methane, and 4% oxygen. Less than 1% is what makes them stink.

  • The temperature of a fart at time of creation is 98.6 degrees Fahrenheit.

  • Farts have been clocked at a speed of 10 feet per second.

  • A person produces about half a liter of farts a day.

  • Although they won't admit it, women fart as much as men.

  • Termites are the largest producers of farts.

  • Farts are flammable.

  • The word "fart" comes from the Old English "feortan" (meaning "to break wind").

  • Excess gas in the intestinal is medically termed "flatulence."

To see more did you know that trivia click here

Did you know these Superbowl facts?

Did you know these Super Bowl Facts?
  • New Orleans and Miami have hosted the Super Bowl the most at 9 times.

  • Pittsburgh has won the most Super Bowls at 6 times.

  • The longest Super Bowl winning streak has only been two in a row.

The most wins in a row for the Super Bowl is 2 by the Steelers, Patriots, Packers, Broncos, Cowboys, and the 49ers.

No team has won three Super Bowls in a row, although the closest to achieving this feat was the New England Patriots who won three Super Bowls in four years.

XXXVINew England Patriots - 21 (Tom Brady, University of Michigan)

St Louis Rams - 19 (Kurt Warner, Northern Iowa)
Location: Louisiana Superdome, New Orleans, LA
Date: 2/3/2002
MVP: Tom Brady, QB, New England

Tampa Bay Buccaneers - 48 (Brad Johnson, Florida State)
Oakland Raiders - 21 (Rich Gannon, Delaware)
Location: Qualcomm Stadium, San Diego, CA
Date: 1/26/2003
MVP: Dexter Jackson, FS, Tampa Bay

New England Patriots - 32 (Tom Brady, University of Michigan)
Carolina Panthers - 29 (Jake DelHomme, Southwestern Louisianna)
Location: Reliant Stadium, Houston, TX
Date: 2/1/2004
MVP: Tom Brady, QB, New England

New England Patriots - 24 (Tom Brady, University of Michigan)
Philadelphia Eagles - 21 (Donovan McNabb, Syracuse)
Location: Alltel Stadium, Jacksonville, FL
Date: 2/6/2005
MVP: Deion Branch, WR, New England

Team With Most Consecutive Wins

The most consecutive Super Bowl victories by a team is two:

Packers - SBs I and II
Dolphins - SBs VII and VIII
Steelers - SBs IX and X
Steelers - SBs XIII and XIV
49ers - SBs XXIII and XXIV
Cowboys - SBs XXVII and XVIII
Broncos - SBs XXXII and XXXIII
Patriots - SBs XXXVIII and XXXIX

Pittsburgh Steelers is the one of the few teams mentioned above to have won two consecutive Super Bowls twice (the '74 & '75 seasons and the '78 &'79 seasons).

To see more did you know that trivia click here

Did you know what teams have not won a super bowl?

Did you know what teams that have never won a Super Bowl?

  • Buffalo Bills
  • Cincinnati Bengals
  • Cleveland Browns
  • Houston Texans
  • Jacksonville Jaguars
  • Tennessee Titans
  • San Diego Chargers
  • Philadelphia Eagles
  • Detroit Lions
  • Minnesota Vikings
  • Atlanta Falcons
  • Carolina Panthers
  • New Orleans Saints
  • Arizona Cardinals
  • Seattle Seahawks

What NFL team has the most Super Bowl appearances without a win?

There has been two teams to have four (4) Super bowl Appearance with out a win.
The Buffalo Bills and Minnesota Vikings.

Did you know that the Buffalo Bills was one of the greatest loosing teams in history to go to 4 Super bowls in 5 years. They were also the only Superbowl team to ever loose back to back Super bowls by field goals! Buffalo is also the only team to win four consecutive American Football Conference Championships, and lost all four Super Bowls. Since the NFL's expansion to 32 teams in 2002 the Bills are the only AFC non-expansion team to not make the playoffs

Did you know that the Denver Broncos also lost four (4) Super bowls, but did win 2?

Did you know what team has won the most Super Bowls in NFL history?
That would be the Pittsburgh Steelers, they played in these Super bowls.

SB9 : 16-6 Pittsburgh over Minnesota
SB10: 21-17 Pittsburgh over Dallas (1976)
SB13: 35-31 Pittsburgh over Dallas
SB14: 31-19 Pittsburgh over LA Rams
SB40: 21-10 Pittsburgh over Seattle (2006)
SB43: 27-23 Pittsburgh over Arizona (2009 - most recent)

Did you know that one team has went undefeated in Super bowl appearances? They are currently 5-0.
That would be the San Francisco 49ers

To see more did you know that trivia click here

Did you know what teams never played in a superbowl?

Did you know that their are several teams that have never played in a Super Bowl?
  • Cleveland Browns
  • Houston Texans
  • Jacksonville Jaguars
  • Detroit Lions
  • New Orleans Saints

Okay let keep it real, I think that their are at least 2 teams on this list that never will!

To see more did you know trivia click here

Did you know who won a super bowl as a player and a coach?

Did you know what coaches have won a Superbowl Ring as a player and a coach?

Mike Ditka,

Tom Flores,

Tony Dungy

Did you know that two brothers have played on the same team in a Super Bowl?

Did you know there has never been brothers that played against each other in the Super Bowl?

Did you know that there have been 18 sets of brothers to play in the Super Bowl?

Did you know that one set having three brothers?

Did you know that only 2 sets have played in the same Super Bowl but were on the same team. Glenn & Lyle Blackwood for the Dolphins twice (1983 & 1985) and

Archie & Ray Griffin for the Bengals (1982).

Keith and Jim Fahnhorst were both on the 49ers in Super Bowl 85 but Jim was inactive for the game.

See see more did you know trivia click here

Did You Know what brothers that have won back to back Superbowl Titles?

Did you know that the Manning Brothers are the only brothers to ever win back to back Superbowl titles?

Superbowl 47 and 48 but

Did you know what father and sons have played in the NFL for the super bowl?

Did you know that Tony Dorsett of the(Cowboys) and Anthony Dorsett (Raiders), are unique father-son who both made appearances in a Super Bowl?

Did you know that Dorsett's appearance was the third father-son appearance in the history of the Super Bowl.

The most recent was when Brian Griese got into the game for the two-time defending champion Denver Broncos, following the footsteps of father Bob who played for the Miami Dolphins in Super Bowl VI, VIII, VIII. The more obscure pairing and a boon for collectors who have memorabilia or autographs of this tandem was defensive tackle Frank Cornish, a teammate of Griese's in Super Bowl VI, and his son, Frank, Jr., a center who played for the Cowboys in Super Bowl XXVII and XXVIII.

Did you know that one player won superbowl rings with 3 different team?

The only player in NFL history to play in Super Bowls for 3 different franchises is Preston Pearson (BAL, PIT, DAL)

Linebacker Matt Milan is the only player to earn Super Bowl rings with three different teams -- the Raiders, the 49ers and the Redskins.

Did you know what player has the most super bowl appearances?

Did you know what players have the most Superbowl appearances?

Defensive lineman Mike Lodish holds the record for most Super Bowl appearances with six. He played in four Super Bowls for the Buffalo Bills, and then two more with the Denver Broncos.

While Don Beebe was a member of six Super Bowl teams, including four appearances with the Buffalo Bills (Super Bowl XXV, Super Bowl XXVI, Super Bowl XXVII and Super Bowl XXVIII) and two with the Green Bay Packers (Super Bowl XXXI and Super Bowl XXXII). Beebe won his first World Championship with the Packers at Super Bowl XXXI.

To see more did you know click here.

Did you know what teams have made 4 super bowl appearances?

Did you what teams have made the most Super Bowl Appearances without a win? Minnesota Vikings and Buffalo Bills, both with 4 Super Bowl appearances without a win.

The Buffalo Bills lost it four times in a row.

The Minnesota Vikings lost it four times.

The Cincinati Bengals have lost it twice.

Saturday, November 28, 2009

Did you know these urban legends?

We’ve all heard them. Usually, they happened to a friend of a friend’s second cousin, and in almost every case they’re completely untrue. Still, some urban legends have managed to gain a remarkable amount of credibility. From creepy folklore to rumors about celebrities and politicians, here are the top ten urban legends that have managed to gain a popular following.

10. The Automatic 4.0


This one has been making its way across college campuses since the 1970s, and it’s been popping up as a plot point in movies and TV shows for years. It says that any college student whose roommate commits suicide will automatically receive a 4.0 grade point average for the semester as part of the college’s bereavement policy. Other versions tweak it a bit to include murder or an accident, but all stick to the basic principle of dead roommate=good grades. Not a word of the story is true, of course, and it’s said that the rumor most likely started out as a joke among stressed out college students.

9. Mr. Rogers Was a Navy Seal


Fred Rogers and his classic children’s show Mister Rogers’ Neighborhood were legendary in the TV world, so it was only a matter of time before a few scandalous rumors started floating around about him. Probably the most popular and downright ridiculous was the legend that claimed Rogers was a Navy Seal during the Vietnam War, and that he had numerous confirmed kills as a sniper. This same rumor often asserted that the only reason Rogers wore sweaters was to cover up all the tattoos he had gotten during his time in the service. Both tales are completely untrue, but this is one urban legend that refuses to die, and it is often applied to other clean-cut, wholesome celebrities, most notably John Denver.

8. Bloody Mary


Although it’s more folklore than an urban legend, the Bloody Mary story is so old and well known that it had to make this list. A common game at children’s slumber parties, the story states that the ghost of Mary Worth, a woman who was supposedly executed for being a witch, will manifest when summoned. This usually involves going into a darkened room and shouting her name three times, at which point her face will appear in a mirror. There are a number of variations on the story, with some claiming that the face of Satan appears or that the mirror turns red, and others stating that the name must be said 13 times, but all follow this same general theme.

7. JFK and the Jelly Doughnut Speech

jfk speech Ich bin ein berliner jelly doughnut

The story dates back to 1963, when then-President John F. Kennedy traveled to Germany to give a speech. Wanting to express solidarity with the people of Berlin, Kennedy said to them “Ich bin ein Berliner,” which translates to English as “I am a Berliner.” But since a “Berliner” was also a certain kind of popular pastry in Germany at the time, many have surmised that the phrase translated to the crowd as “I am a jelly doughnut,” and over the years a number of stories have surfaced saying Kennedy was nearly laughed off the stage after saying it. It’s hard to say where the story originated, but it has been proven to be a myth, and reports have shown that not only did Kennedy have the phrase translated by a professional interpreter before using it, but that the crowd understood him perfectly.

6. Cokelore

Over the years, there have been so many urban legends about the popular soft drink Coca-Cola that they’ve been given their own name: Cokelore. Probably the most famous urban legend in this regard is the old claim that eating Pop Rocks candy and then drinking Coke will cause stomach damage. Meanwhile, another legend says that the acids in the soda can dissolve a tooth if it’s left in a glass of the drink overnight, and still another asserts that mixing Coke with aspirin produces a drug-like high. All these claims are false, but another popular claim, that Coke originally contained cocaine as a part of its formula, is verifiably true. The drink was created in the 1880s, and even after the negative aspects of cocaine were uncovered, the company continued using trace amounts of the drug in its soda until the 1920s.

5. The Good Samaritan

The Good Samaritan legend has been around for years, and it’s been attributed to a number of famous rich people, from Bill Gates to Nat King Cole. As the story goes, a motorist stops to help a man change a flat tire. The man asks for the motorist’s address so that he might send a reward. A few weeks later, the motorist receives a thank you note in the mail with a check for $10,000 signed by a famous celebrity. The story tends to vary depending on whom the grateful celebrity is, with one popular version claiming that Donald Trump paid off a helpful stranger’s mortgage. Trump himself has even tried to confirm this, but all proof points to it being nothing more than an often-repeated rumor.

4. Walt Disney Is Cryogenically Frozen


This is another rumor that’s been around for a long time, and it seems that everyone has heard it at some point or another. It says that Walt Disney arranged for his body to frozen upon his death in the hope that future technology would be able to bring him back to life. No one’s exactly sure how this one got started, but records show that Disney was cremated when he died in 1966. It is suspected that the amount of secrecy surrounding his funeral, coupled with his reputation as an inventor, led to the creation of this long-standing myth.

3. The Sewer Alligator

Sewer Alligator

This story, one of the most popular of all urban legends, asserts that the New York City sewer system is infested with deadly alligators. In the most popular versions, the animals were brought north from Florida by people who wanted to keep them as pets. When the gators started getting too big and violent, they were released into the sewers. This story dates back to the 1930s, when sensationalist newspapers started reporting countless stories of alligators being found in and around New York City, with some even claiming that police were making regular trips underground to hunt the creatures down. Nearly all of these stories are false, and the few that are true almost undoubtedly concern animals that escaped from local zoos, but the sewer alligator story has continued to be passed down through the years, and it still exists today in many different forms.

2. The Vanishing Hitchhiker

One of the oldest and most often repeated urban legends, the vanishing hitchhiker story comes in many forms. The most popular version involves a man who picks up a young hitchhiker (usually a girl) on a deserted country road. He drives her to her house, but when he turns to say goodbye he finds that she has inexplicably disappeared from the back seat of the car. Confused, the man rings the doorbell of the house, whereupon he learns that the girl has been dead for years, killed in a car accident on the very spot where he picked her up that night. There are a number of variations of this story, and it dates back so far that earlier versions take place on horseback or in covered wagons.

1. The Kidney Heist

The most ubiquitous and persistent urban legend, “the kidney heist” story has been immortalized on the internet, TV shows, and even a few movies. It supposedly dates back to 1997, when an e-mail started circulating warning people of a new and frightening crime that was catching on in some cities. In most versions, a business traveler is relaxing in a bar when a stranger strikes up a conversation and then offers to by them a drink. After taking a few sips, the traveler becomes woozy and then blacks out, only to awaken in a hotel room bathtub covered with ice. There is a phone next to them, and a note that says to call 911 immediately. When the paramedics arrive, the person learns that their kidney has been harvested by people who hope to sell it on the back market. This story is completely false, but it has been circulating for years, and its appearance on the internet is one of the oldest e-mail hoaxes. In order to quell the rumor, The National Kidney Foundation has even asked supposed victims of the crime to contact them, but to this date they haven’t had any takers. A scary tale, but still an urban legend.

Did you know the 25 Hottest Urban Legends

25 Hottest Urban Legends

This page compiles the 25 urban legends currently circulating most widely, as determined by frequency of access, user searches, reader e-mail, and media coverage.

Saturday, November 28, 2009
    Postcard / Greeting Card Virus
  1. Warning about a computer virus masquerading as a postcard from a friend or family member.
  2. Free Laptops from Sony Ericsson
  3. Message promises consumers can receive free laptop computers from Ericsson for forwarding an e-mail to their friends.
  4. WalMart Cash Back Scam
  5. Warning about cash back charges being surreptitiously placed on WalMart customers' credit cards.
  6. Presidential Eligibility Lawsuit
  7. Claim that a federal judge has ordered Barack Obama to prove his eligibility for the U.S. presidency in court.
  8. Cell Phone Directory and Telemarketers
  9. Warning that cell phone numbers are about to be given to telemarketers.
  10. #77 or *677 Cell Phone Notification
  11. Advisory about contacting police by calling #77 (or *677) on a cell phone.
  12. Nidal Hasan
  13. Claim that accused Fort Hood shooter Nidal Hasan was an advisor to a presidential Homeland Security team.
  14. Veterans Day Photo
  15. Photograph shows President Obama during a 2009 Veterans Day ceremony.
  16. Target Stores
  17. Message from Vietnam vet claims Target stores do not support veterans.
  18. Osama bin Laden Hanged
  19. Warning about 'Osama Captured/Hanged' computer virus.
  20. Michelle Obama's Staff
  21. Claim that First Lady Michelle Obama has an unprecedented number of staffers working for her.
  22. Noah Biorkman
  23. Request for Christmas cards for Noah Biorkman, a 5-year-old boy battling cancer.
  24. 809 Area Code Scam
  25. Warning about scammers' sending pages from the 809 area code.
  26. Muslim EID Stamp
  27. U.S. postage stamp commemorates Islamic holidays.
  28. Onions vs. Swine Flu
  29. Claim that onions placed about the home will fight off the flu virus.
  30. Ben Stein's Confessions for the Holidays
  31. Actor/writer Ben Stein's commentary on the observance of Christmas.
  32. Let's Say Thanks
  33. Xerox-sponsored web sites allows the public to send free postcards to U.S. troops.
  34. Mail Server Report
  35. Information about the "Mail Server Report" computer virus.
  36. UPS/FedEx/DHL Virus
  37. E-mailed computer virus masquerades as parcel company's delivery failure notification.
  38. Letter to Nancy Pelosi
  39. Letter from North Carolina lawyer criticizes Rep. Nancy Pelosi.
  40. Code Grabbers
  41. Warning about thieves armed with "code grabbers" breaking into cars by recording signals sent from remote keyless entry devices.
  42. Write-In Candidate Platform
  43. Comedian Bill Cosby's purported platform as a write-in candidate.
  44. Muslims Out of Australia!
  45. Article compiles statements from Australian government officials about Sharia law and Muslim extremists.
  46. We Noticed
  47. Message lists criticisms of Barack Obama noticed by the public.
  48. Petition to Ban Religious Programming
  49. E-mail petition #2493 from Dr. James Dobson protests proposed ban on religious broadcasting.

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