Online Credit Repair Secrets

Has anyone tried using these online credit repair services? There is a law firm that keeps popping up on websites that says they can improve your credit score. Has anyone actuallly tried this service. If so what was your experience with them? Am I better off trying to repair my credit myself.

Online Credit repair question please help? I went to the credit sites and disputed several items that were incorrect.... It has been more than thirty days and most of them still say "Pending October 13th" Which is awful because its past the 30 day mark... How can they do this? Am I screwed because I didn't do it by mail, but online?

Does anyone know a good online credit repair company?

What is the best credit repair company online? Thanks?

does any one know of a online site for credit repair?private person ?in california or?

Are there any real credit repair companies? I have really bad credit alone with filing a chapter 7 and a chapter 13 bankruptcy. How can I clear my credit up. And are these so called online credit repair companies legitimate when they say they can reapair your credit in 90 to 118 days? It so, do anyone know of a website that I can go to for credit repair help? Or would I have to hire a antorney to help me clear up my bad credit? I am not talking about consolidation. I am talking about credit repair. Help!!! So, what you guys are saying is that.I can't get rid of all the bad cedit mistakes that i made in the pass? Or can I? I was informed that I could repair my own bad credit. Can anybody tell me or me how I could repair my credit myself legally.

I read online all the time about companies that repair your credit report, can that really be done? I get emails and read online about companies, like Lexington.com, that claim they can repair your credit report, "permanently remove negative items off your credit report". Of course, they charge a 99.00 start up fee, and then 79.00 a month. Considering a credit report can stop you from getting a loan, stop you from getting credit of any kind, it can stop you from getting a job. I wonder if anyone here on Yahoo Answers has tried this and if it really works? Thanks in advance for all your answers

Does anyone know how to repair credit without paying for a service? I really would like to repair my own credit without having to pay someone.I recently enrolled into a service online that lets me see my credit scores from all three credit bureaus but what can I do from there.Do I need to remove all or just certain ones?Any advice would be very apreciated.

those law firms online that claim fo repair your credit, can they really help?

Will the Credit Secrets Bible really improve my credit score? Yeah, so my credit kind of sucks right now due to a lot of bad things in the past - loss of job made it hard to pay bills, etc. I've been doing some research online about bad credit/credit repair and found this book, but before I buy it I'd like to know if anyone has used it or heard of it before. It sounds really good, like it could help me a lot. Any replies would be appreciated.

How can I fix my credit after being a victim of an online scam? I saw an attractive offer to help someone to retrieve some money for them. Made a blinded decision to do it and now my bank account got closed. What should I do to repair my error/ credit and be able to start over again financially?

Where can I go online to get a small personal loan for car repairs without having good credit? I'm in desperate need of some funds to fix my car but don't have good credit....tired of all the turn downs because of my credit history.

Credit Repair Business Solution? I am looking to start a credit repair business here in Texas. I am looking for a nice software to keep track of my clients, generate letters, reminders, pull credit reports and also keeps track of all the disputes. I have done extensive search online, i like creditmoneymachine, but the guy is charging too much for it. Any suggestions will be highly appreciated.

Credit repair? Recently I viewed my credit report online. I decided to dispute some of the potentially negative accounts. I did this through experian. They "deleted" or removed some of them off. Some were updated, and others remained. Once they are removed are they gone for good???

Free Credit Repair Websites? I am in the process of repairing my credit on my own and I am finding very few free online resources with information and form letters to assist me. I know that there isn't anything that a service can do that I cannot do on my own and I can't believe that there isn't a comprehensive informational website out there that I don't have to pay to use. The person with the best links to the most complete websites get the best answer. Thank you in advance for your help.

Need to able to accept credit cards " High Risk"? I own a credit repair company and need to be able to accept credit cards. I would like to be able to key in the credit card number online. Any suggestions??

What is a good credit score to have when applying for a loan? I just finished ordering my TransUnion credit report and score online from transunion.com. It says my current credit score is 757. Is that considered good? The reason I ask is because I was thinking about going to my local bank next week to apply for a $1,500 loan to get some much needed car repairs. I have plenty of avaliable credit on my credit card but would prefer to get a loan so that I might be able to get a lower interest rate. I always try to pay my bills on time and really need this loan. What are my chances of getting approved with a 757 credit score? Should I even bother applying or will I be wasting my time?

How can I get my money back? I met this guy in credit repair business from the same office building, and he told me he could actually boost my credit up in 90 days. So I signed up with him & paid him a fee of $ 2000 for his service, after that I started to monitor my credit online on a daily basis. It's been 90 days, & nothing's happend. He happens to be the middle guy between consumer & the actual company that does the credit boost. I noticed later on that he closed his office, his website gone, and so I started thinking that his business was a scam. I can still contact him over the phone, he still tells me that he's trying to work it, but I'm pretty sure if I tell him to pay back I doubt he'll ever giveme back the money. How can I make him pay? It also sucks that he's got my information too!

does anybody know of a good debt consolidation company online? I am trying to repair my credit so i can buy a house and live my life the way i always dreamed.

How do I go about paying off debts to collection agencies? I have numerous old credit card debts that have been sold to collection agencies. (About $4,000). These are from when I graduated from college and became unemployed over six years. I kept paying some of them, but on others, the statute of limitations has run (it's four years in California). I am able to pay off this debt fairly quickly now and would like to begin repairing my credit. Once these are paid I want to make sure that this information appears on my credit report. I want to pay off all those where the statute of limitations hasn't run, but don't know where to begin. I got a credit report online, but the information is pretty vague, you can't tell when the last time I paid was on any of them. I'd like to find someone who works on this type of thing, but don't know who to turn to. It seems as though Credit Counseling agencies only work with people whose debt still lies with the credit card companies.

If I file bankruptcy in California will I lose my home? I'm two months behind on my mortgage payment. I'm working with my mortgage company on a repayment plan, but have read some horrible stuff about this mortgage company online. My credit is terrible and refinance is out of the question. I'm working to repair my credit, but I want to have options before the house goes into foreclosure. HELP!!!

I was online tonight looking @ the possibility of a payday loan for a car repair and i filled out a couple of? applications. I simply thought that you had to click on something surely to agree to the terms and it sort of moduled the loan for you showing how you pay back and so forth ..I filled out 1 application and it said in big bold print "YOU ARE QUALIFIED FOR A PREPAID MASTERCARD WITH A 7,500 CREDIT LIMIT" and then in small print it said they would be taking out of my checking account a 1 time fee of 149.95 within 1 business day..WOAH!! HOLD ON.. no way, that's not what I wanted. It didn't even give me an option to click on to decline it..I tried to call a 800 # but said it was AFTER HRS and I also sent them an EMAIL telling them not to take that $ from my account..they have my routing number and my acct number because like I said I thought I was seeing what the terms would be for a payday loan..any suggestions??I have direct deposit and I am going to EXPLODE if they take that $ out of my account.. I GOT AN E/MAIL CONFIRMATION THAT SAID TO BE SURE TO DEDUCT THE 149.95 FROM MY ACCOUNT ...I TRIED TO E/MAIL THEM BACK AND IT CAME RIGHT BACK TO ME AS AN UNDELIVERABLE MSG. MY ACCOUNT IS BRAND NEW AND I DONT WANT ANY PROBLEMS BUT IT IS MY FAULT FOR FILLING OUT THE INFO THEY ASKED FOR..

does a credit card issue number really matter? i used a online cd repairing serveice, i filled in my card details, however i did not put in the issue number, can the payment still be made with out it??

Can you apply for welfare, food assistance online? My boyfriend might loose his job and not get unemployment money, but I already lost mine and am receiving the money and we just moved into a nicer apartment before all this happend and our cars need repair and we have no credit so we cant get credit cards......... Can I apply for governement assistance online?

bad credit card? I HAVE BAD CREDIT FROM MEDICAL BILLS. (ONLY ABOUT 1,300.00) IM LOOKING FOR A CREDIT CARD TO HELP REPAIR MY CREDIT WITH NO ANNUAL FEE. I TRYED VISA SALUTE, BUT THEY WANT ME TO SEND IN 20.00 TO START. :-( IVE LOOKED IN ALOT OF PLACES ONLINE AND ON YAHOO ANSWERS. SO, IF A REAL GENIUS CAN COME UP WITH A GOOD ANSWER LET ME KNOW. IM SICK OF GOING TO CRAPPY SITES AND GETING NOWHERE. THANKS SOOO MUCH! Weh I still cant get one. And that VISA salute has a fee each month, i read up on it, and that is about 120.00 a year. :( eiiks. i guess ill pass

Is there anyway to get my ipod repaired with money order or check? Hi i am a young boy who is looking for a way to get my ipod repaired without having to hassle through credit cards. So far i called apple and asked about the repairment, and they told me to go online to get a repair service number or something like that. i went to there and said that itwas 39.98 to fix my nano and it took me to a credit card page, this was not good. Not anyone in my family has a credit card but my sister and she is afriad fradulent so she then told me to go to the apple store. 3 months later i have not been there and my sister was just lagging on me and besides i do not think the apple store will help much but tell me to ship it in paying with a credit card. Finally today i have decided that i need to find help. That is why i have come here to ask this question in order for me to somehow ship my ipod with check or money order to apple.

How to start repairing credit with a judgement? I've been reading a lot of conflicting info on how to fix this. The report in question contains a judgement for a small amount from 2002. This person was sent an extra day or two's worth of unemployment income and later was sent a collection letter. At the time the person wasn't able to pay and just forgot about it. The other issue is a medical bill that went to collections. It appears twice (exact same amt) on the report. At first I thought the best course of action would be to call the collections offices and simply pay the amounts due, but some sources online say this would reset the 7 year clock. Should these debts be disputed even though they are valid (except the double charge)?

Credit card info 101 PLEASE!? Hello everybody. I would just like to start off by saying that this is series of questions (not just one) that have to deal with credit, and credit cards. Right now I’m in the process of getting my first ever credit card being that her in a few months (possibly) I’m planning on moving out and starting my own life and everything. I’m taking online classes for PC Repair, which here in 2 more months I should be done with, that’s one reason why I’m planning this and there’s also other reason as well. My question’s are that I’m asking about credit are as fallow. #1: I’ve already asked this question a few days ago being that I was some what curious on the answer I might get, and I’m still leant on it being that I believe there are ways of doing it without the use of credit, but once again I’ll ask. Do you absolutely need credit for everything? I mean do you actually need credit to rent apartment, or can you in some way pay in cash at all? I know it makes you look better if you do have some from of credit, but still I believe there are ways. #2: So far I’ve been doing some research on finding the right credit card for me being that I’ve never had one in my life, but I’m only 22 years old so I can’t really say much lol. But anyways if what I found out is that what I should do is find a card that the standard APR is will enough for me, and possibly get one that has no Annual fee at all. So far I’m now to 2 cards that I like, but each one differs; there both Bank of America credit cards being that I’m a customer with them, I have both a checking/savings account so that’s all good there. Links to each of the cards: Platinum Plus Visa Credit Card http://www.bankofamerica.com/creditcards... Secured Visa Credit Card http://www.bankofamerica.com/creditcards... Now the questions that I have for these are as fallow. #1 of 2: With each one of the cards that you look at, which one should I go for being the best possible outcome in the long run? #2 of 2: With the APR, which I’m clueless with, how does that work out? I mean by this is that with each card it give me a different APR. The Platinum Plus Visa Credit Card tells me this: Prime Plus 2.99% variable APR for Platinum Plus (Prime Plus 12.99% APR for Preferred), and the Secured Visa Credit Card tells me this: Prime Plus 10.99% Variable APR; now what is the deal with all of that? How dose this work out? Ohh and finally one more question (last one I promise) is with the monthly payments. Now knowing that there are going to be people who already have credit, and know how things work out on this I just like to know how payments would work out over time? I mean by this is that when you go out and buy something (say a video game), how do you make the payments on such a thing with the minimum payment, and the full payment? What would the payments be on each? Ok everyone that’s all I would like to know for the time being, more then likely I’ll be back with more questions but in tell then this shall do. Thanks :)

Original xbox online? i have a 360 but i want to play my original xbox online because my 360 is getting repaired but i dont have a credit card to play on the original xbix. can i play without the credit card on the xbox?

Rates on a Washington Mutual Secured Credit Card? Ive had bad credit ever since my business went under, between bills that had pilled up, taxes, not being able to pay rent, etc. Im finaly done bleeding & starting down the road of repair. My Dad is willing to help me out. Our first plan was for him to cosign on a major credit card with me, which appearently a highly standard process CC companies just dont do anymore. So now we're looking at a secured card that hed loan the deposit for. Reading online every article says to shop around for the lowest fees and rates. We bank at Washington Mutual and our branch has always provided GREAT customer service to us & know my situation well. Wamu offers a secured card, the problem is in aspect of shopping around for rates & fees I cant seem to find Wamus stats anywhere, so I dont know if I should go with them or go with something I found online that I know has good rates. So my question is, does anyone have a wamu secured CC that could tell me what the rates and fees are? Potential interest?

MANY lates for paid auto loan? I have been in credit repair mode now for 6 months and am making some progress. I had a truck loan for about $27K opened in 5/2000. I paid off the truck on 1/2007. The three agencies show the following: Eq: 30 days (22) 60 days (1) Ex: 30 days (22) 60 days (1) Trans: 30 days (13) 60 days (0) I have tried to send a GW letter, disputed through Equifax online twice, all to no avail. Question 1: Is there any other methods to get this removed? Question 2: How much will those negatives impact me in the next 12 months for auto/mortgage loans. Hoping little since the loan was paid in full. Thanks

Disk repair? I need a disk cleaner because I am wanting to sale some games on playswitch and although my games are totally playable without a hitch but in order to sale them they have to be perfect. The disk cleaner also has to be available without a credit card because I sadly have no access to one (I say this because I tried to purchase one from walmart that I found online only to find out it wasn't available in stores.

Bankruptcy? just wondering what happens when you go bankrupt like honustly. cause i got tould if you file for bankruptcy its 3years you cant apply for anything and it stays on your file for up to 7years. is it possible to repair your credit like no jokes or hoaxes. i looked online but they all full of shit and i just wondered if anyone knows if you can repair or fix your credit rating. i always get knocked back when i apply for a loan or credit card or even a phone. and i wanted to know what i have to do to get everything back on top again even if i have to pay more interest or whatever. anyway possible or do i have to wait 3-7years before i can get a credit card, loan, or house loan. there must be a way, anyone?, also is it really 7 years or is it longer or does it still stay on file. whats the deal. anyone know

Errors errors errors? Is there anyway to fix errors on my registry without having to pay for it? Every place i go to for error repair the site will only give you a half fix and you have to pay for the rest. I don't won't to use a credit card online.

Skeptical about ordering from this website...? Has anyone ordered any iPod repair products from the website: http://www.DigiExpress.us ? If so, can you please let me know how reliable they are. I am just worried about ordering things online with my credit card. Thank you :)

Should I continue to look around myself if approved through a car dealership? Im currently in the process of repairing my credit and have about 5k to finish paying for my current vehicle. However there is a particular car that caught my eye and I applied online to get financed. Several dealers called me back and emailed me one of which said that even with my credit score its not too bad to get a car loan and he would work with me. He told me that he would call me back in 24 hours with the car loan and the car that I was interested in. About 2 days passed and I called him back and he said I was approved for the loan but he was still in search of this particular car. Will it hurt my credit score to try some actual dealerships who have this car in stock? Or should I wait for this particular dealer to find this specific car? I know what my credit score is and its pretty low due to past credit issues and having basically no open accounts other than the car loan. I have opened up a few credit lines that are helping me rebuild my credit.

When will Windows Vista be Bug FREE? i really got my eye set on a best buy cpu (a1730n) i might buy this cpu around mid july. I've heard bad things about vista, all i wanna know is u think it will be bug free mid july because i don't have any custom cpu repair/ build shops near my area and i do not have a credit card to make online purchases. Just wondering if it will be safe to buy vista mid july, thanks

So many questions??? Hello everybody. I would just like to start off by saying that this is series of questions (not just one) that have to deal with credit, and credit cards. Right now I’m in the process of getting my first ever credit card being that her in a few months (possibly) I’m planning on moving out and starting my own life and everything. I’m taking online classes for PC Repair, which here in 2 more months I should be done with, that’s one reason why I’m planning this and there’s also other reason as well. My question’s are that I’m asking about credit are as fallow. #1: I’ve already asked this question a few days ago being that I was some what curious on the answer I might get, and I’m still leant on it being that I believe there are ways of doing it without the use of credit, but once again I’ll ask. Do you absolutely need credit for everything? I mean do you actually need credit to rent apartment, or can you in some way pay in cash at all? I know it makes you look better if you do have some from of credit, but still I believe there are ways. #2: So far I’ve been doing some research on finding the right credit card for me being that I’ve never had one in my life, but I’m only 22 years old so I can’t really say much lol. But anyways if what I found out is that what I should do is find a card that the standard APR is will enough for me, and possibly get one that has no Annual fee at all. So far I’m now to 2 cards that I like, but each one differs; there both Bank of America credit cards being that I’m a customer with them, I have both a checking/savings account so that’s all good there. Links to each of the cards: Platinum Plus Visa Credit Card http://www.bankofamerica.com/creditcards/?context_id=marketing_detail&offer_id=ECOMM0908API00400800122011EN000&requestTimeout=120 Secured Visa Credit Card http://www.bankofamerica.com/creditcards/index.cfm?context_id=marketing_detail&offer_id=ECOMM090XFEQ00400800121983EN001 Now the questions that I have for these are as fallow. #1 of 2: With each one of the cards that you look at, which one should I go for being the best possible outcome in the long run? #2 of 2: With the APR, which I’m clueless with, how does that work out? I mean by this is that with each card it give me a different APR. The Platinum Plus Visa Credit Card tells me this: Prime Plus 2.99% variable APR for Platinum Plus (Prime Plus 12.99% APR for Preferred), and the Secured Visa Credit Card tells me this: Prime Plus 10.99% Variable APR; now what is the deal with all of that? How dose this work out? Ohh and finally one more question (last one I promise) is with the monthly payments. Now knowing that there are going to be people who already have credit, and know how things work out on this I just like to know how payments would work out over time? I mean by this is that when you go out and buy something (say a video game), how do you make the payments on such a thing with the minimum payment, and the full payment? What would the payments be on each? Ok everyone that’s all I would like to know for the time being, more then likely I’ll be back with more questions but in tell then this shall do. Thanks :)

psp lcd screen cost? where can i get a lcd screen to repair my psp myself. cant get in online cause do not have a credit card to work with. and would also like to know the cost of one. (in singapore)

What do you think of the following article? EXTRA HELP When Special Education Goes Too Easy on Students Parents Say Schools Game System, Let Kids Graduate Without Skills By JOHN HECHINGER and DANIEL GOLDEN August 21, 2007; Page A1 GREENPORT, N.Y. -- On June 25, 2006, Michael Bredemeyer threw his tasseled cap in the air and cheered after getting his high school diploma. Two days later, his parents mailed the diploma back. [More Data on Mainstreaming] * * * Plus, read more about the challenges of integrating special-needs students, at WSJ.com/Mainstreaming. Michael, now 19 years old, has learning disabilities and finished high school at a seventh-grade reading level, despite scoring above average on IQ tests. The Bredemeyers say he passed some classes because teachers inflated his grades and accepted poor work. By awarding him a meaningless diploma, they say, school officials avoided paying for ongoing instruction. "I felt proud because he had worked so hard," says Michael's mother, Beverly, her voice breaking. "You don't want to take that away from him. But you knew it wasn't real. What's he going to do in the future? Will he be able to go to college and get a job?" The Bredemeyers represent a new voice in special education: parents disappointed not because their children are failing, but because they're passing without learning. These families complain that schools give their children an easy academic ride through regular-education classes, undermining a new era of higher expectations for the 14% of U.S. students who are in special education. Years ago, schools assumed that students with disabilities would lag behind their non-disabled peers. They often were taught in separate buildings and left out of standardized testing. But a combination of two federal laws, adopted a quarter-century apart, have made it national policy to hold almost all children with disabilities to the same academic standards as other students. The 1975 statute now known as the Individuals with Disabilities Education Act promoted putting special-education students in mainstream classrooms. The 2001 No Child Left Behind Act said schools would be punished if disabled children don't pass the same state tests as other students. It also requires states to set standards for high-school graduation rates and meet them for all students, including those with disabilities. By some measures, the extra attention is paying off. Test scores and classroom grades of disabled students are rising, and their high-school graduation rate increased to 54% in 2004 from 42% in 1996. But critics say some of the gains have come because schools have learned to game the system. For instance, federal rules allow states to make "reasonable accommodations" to help disabled students pass tests and graduate, such as allowing extra time on exams. Some schools, say critics, are giving students too much help, for instance by guiding students to the right answers on multiple-choice tests. MAKING THE GRADE • The Issue: Some parents of students with learning disabilities say their children are graduating too easily. • The Background: Federal laws raised school standards, but left loopholes. Increasingly, special-education students get special help to pass tests. • The Problem: If schools game the system, those students move on without the skills they need. From 2000 to 2005, special-education fourth graders showed more improvement in reading and math than the general population on an important benchmark test, the National Assessment of Educational Progress. But accommodations also increased. In 2005, 70% of fourth-grade special education students received some sort of accommodation while taking the math portion, up from 44% five years earlier. In reading, 63% used accommodations in 2005, up from 29% in 2000. On tests used to measure compliance with No Child Left Behind, more states are permitting students with disabilities to use calculators on arithmetic tests or have reading-comprehension tests be read aloud. Massachusetts education commissioner David Driscoll warned school administrators in February that an alarming number of special education students -- a quarter or half in some cases -- were receiving such accommodations on state exams. With unclear guidelines, "People start driving trucks through loopholes," he said in an interview. Some school districts have an informal policy against failing students with disabilities even if they miss many classes or aren't learning. "I can go into any school we represent and have somebody tell me we have to pass special education students" to avoid being blamed for not providing the right services if students fail, says Janet Horton, a Texas special-education attorney. Federal law says special-education students should receive a "free appropriate public education," but it doesn't prohibit failing them. Mardys Leeper and Carol Merrill, former teachers at West Philadelphia High School in Pennsylvania, say a special-education administrator there ordered them to pass special-education students. Ms. Leeper says she made concessions for students with disabilities, such as letting them write shorter essays or copy paragraphs she wrote onto a word processor rather than composing their own. But when those students didn't make an effort, or skipped class, both teachers say they sometimes sought to fail them -- only to have the administrator insist on passing grades. The reason they were given: Students had met the goals of their federally mandated individual education plans, IEPs, spelling out goals and services for each special-education student. "Students who weren't even participating, even trying, we couldn't fail them," says Ms. Merrill, an English teacher who retired this year. Even if they couldn't read, "I had to give them a 'D.'" The administrator couldn't be reached for comment. Brenda Taylor, head of special education for the Philadelphia school district, called the matter a "breakdown in communication." The district has no written policy against failing special-education students, she says. But rather than being "punitive" if a student performs poorly or cuts class, she says, the district prefers to revise a student's IEP. "We're not in the business of failing students," Ms. Taylor says. Only 19 states require all students to earn the same kind of diploma, according to a recent University of Minnesota survey. Some of those states let special-education students amass fewer course credits to earn the degree, the survey found. Other states give substitute certificates, in some cases called IEP diplomas, to special-education students who don't qualify for standard diplomas. Many special-education parents are happy to see their children advance through school and graduate. Reggie Felton, director of federal policy for the National School Boards Association, says special-education students learn more in regular classes even if they're given a break on assignments or grading. The federal government recently decided to triple the percentage of students allowed to take easier tests, to 3% from 1%. Some legislators have proposed exempting more students. But the rebellion against too-easy passing is growing, says Pam Wright, who with her husband has co-authored books on special education issues and operates a Virginia-based information clearinghouse for special-education parents. She estimates she now receives more than 1,000 email messages a year from parents lamenting that their children with disabilities take mainstream courses but aren't being taught as much as their classmates. Dozens of parents have contended in recent administrative appeals that their children did not deserve the diplomas they received, she says. The family of Alba Somoza, who has cerebral palsy and speaks only with the help of a computer, filed one such case. Alba drew national attention in the 1990s when her family successfully pushed to include the then-third grader in a regular classroom. Then-President Bill Clinton backed her cause, and Alba, now 23, graduated with honors from a New York City high school in 2002. Last year, Alba and her family filed an administrative case claiming her education was a sham. A school report prepared weeks before she graduated showed she had language and math skills at an elementary school level, court records show. "You cannot shunt children through -- you cannot scam them through the system," says Alba's mother, Mary. [Michael Bredemeyer] Since shortly after she graduated, New York has been paying for a special program for Alba that costs $400,000 a year -- including a full-time teacher, an aide, transportation and extensive technology. The city says it is doing so out of compassion, not legal obligation. The family is seeking to continue the public funding another year to help Alba receive enough education to work as a museum docent. The Somozas lost the administrative case, but a judge in U.S. District Court in Manhattan ruled in the family's favor earlier this year and ordered another hearing. Rather than develop a program that would help Alba reach her academic goals, teachers lowered the curriculum's "level of difficulty" and removed "large and meaningful portions of its substantive content," the judge said. One teacher testified that he did most of the work on Alba's final project in 2002. New York officials say the school properly adapted the curriculum for a severely disabled student. In northern California, Jennifer McGowan, an 18-year-old who is deaf in one ear and suffers from attention deficit hyperactivity disorder and learning disabilities, was supposed to graduate from Vacaville Unified School District in June. She didn't get her diploma -- because her family won a court injunction to stop it. In an interview, Jennifer said she often received A or B grades for poorly completed work or, at times, when she didn't do assignments at all or show up for class. Achievement tests she took in January 2005 showed that she had the math and reading skills of an elementary-school student, according to her administrative complaint. The school district denies her grades were inflated and said she showed her proficiency by passing a high-school exit exam. John Aycock, Vacaville's superintendent, said teachers did "a great job working with Jennifer." Jennifer says she failed the exit exam several times despite intensive preparation. "They just wanted to pass me and let me fly by," she says. The school system says it's not unusual to make several attempts to pass. At the Mercer Island school district in Washington state, the family of a girl with severe learning disabilities complains that, instead of the intense instruction she needed to master reading and math in eighth and ninth grades, teachers showered her with accommodations: a peer note-taker, a peer to read materials to her, oral exams, reduced assignments and a calculator on math tests. At an administrative hearing, the family -- whose names are not disclosed in the court papers -- sought to force the school system to pay for her private schooling. Noting her strong A and B grades, the district successfully argued that accommodations were helping her learn. In U.S. District Court in Seattle, a judge hearing an appeal of the case disagreed last year, saying the system improperly relied on accommodations rather than instruction, and has returned the case to a hearing officer to determine financial relief for the family. Boxes of school correspondence and Michael Bredemeyer's old tests and assignments line the hallways of his family's weather-beaten saltbox house in Orient, N.Y., on Long Island's North Fork. Michael's parents are demanding public funding for more services until age 21, to which students are entitled unless they graduate, so he can improve his academic skills for college. John Bredemeyer, a county public-health inspector, and his wife, Beverly, had high hopes for Michael, who has a strong work ethic and a knack for repairing machines. But once he entered public middle school in nearby Greenport, his parents worried that teachers were letting him skate through classes and tests. Michael, who has attention deficit hyperactivity disorder and learning disabilities including dyslexia, says in some classes he "definitely earned" a passing grade, but others were "borderline." He took regular classes except for one period a day. "A little more one-on-one" instruction would have helped, he says. On state achievement exams, Michael's IEP permitted him extra time, simplified instructions and guidance from a teacher to slow him down if he rushed through answers. But when he completed the eighth-grade math test, his special-education teacher also took him to the resource room and directed him to redo problems he had answered incorrectly. According to a memo from Greenport Superintendent Charles Kozora, the teacher "exceeded the intent" of Michael's accommodations, boosting his score. The state investigated and invalidated Michael's test. [Revolt] Mr. Kozora said the school system had only two cases of testing irregularities in six years, few conflicts with parents over special education and "many successes" among students with disabilities. The district says achievement, and not cost, dictates its decisions on graduating students. When Michael was a junior at Greenport High, his chemistry teacher passed him with the minimum grade of 65, even though he says he spent much of the class doodling and playing solitaire on his laptop. Checking his assignments and tests, his parents couldn't understand how he could be passing. In a letter, the school principal acknowledged that the final grade was a "miscalculation" and should have been 56.6, or an F. The school offered to let him make up his lost credits by volunteering in the town library. When his parents balked, he was instead placed in courses in sociology and psychology. On one psychology pop quiz, five of Michael's seven answers were marked wrong, but a failing grade was crossed out on the paper and a passing score of 65 was substituted. The school district declined comment. For a senior English assignment, he received an A for one untitled paragraph. "I believe competition today has changed dramatically," he wrote. "Back in the day, sports was some of the only sports that had competition. Today, everyone wants to compete and only be successful. School work, school sports, major league sports, all involve high amounts of success and competition. Competition today has become very extreme." His English teacher, Michael Connolly, said he didn't remember the assignment and had no comment on the grade. On standardized tests, Michael had mixed results: On the SATs, which have a 200 to 800 scale, Michael received 330 and then 370 in two tries on the reading test, in the bottom 10% of all students nationally. On math, he scored 460 both times. He failed two state exams and passed five others. His school grades put him in the bottom one-third of his class. A month before graduation, the Bredemeyers debated whether he should accept the degree. "I wanted to have it," Michael says. "Get it and forget it." On graduation day, a school band played "Pomp and Circumstance." Michael's parents, his sister, his grandmother, aunts and uncles watched as he walked up to the podium and a school official handed him a purple diploma case with his name etched in gold letters. Michael says he knew his parents might not let him keep it. "I had a feeling they'd do something like that," he said, shrugging. "I'll eventually get it back, one of these days, months, years." This summer, Michael has been mowing lawns and picking up trash at a state park for $9 an hour. This fall, he plans to enter his second year at Suffolk County Community College, which does not require a high-school diploma. Last semester at Suffolk, he received a D-plus in freshman composition, D's in statistics and Western Civilization and an F in the history of rock 'n' roll. Write to John Hechinger at john.hechinger@wsj.com and Daniel Golden at dan.golden@wsj.com RELATED ARTICLES AND BLOGS Related Content may require a subscription | Subscribe Now -- Get 2 Weeks FREE Related Articles from the Online Journal • The Kids Are All Right • School Choice and Racial Balance • Back to Failing Schools • Tort-a-licious: The Trials of Law School Blog Posts About This Topic • SaukValley.com - Serving Dixon, Sterling & Rock Falls saukvalley.com • August 14, 2007 edspresso.com More related content Powered by Sphere

I need poetry ebooks? I need poetry books. None of the books I want are available in my country and I can't order them online as I don't have a credit card...Can somebody please give me free download links to the following books: Frances Mayes--The Discovery of Poetry: A Field Guide to Reading and Writing Poems Steve Kowit--In the Palm of Your Hand: The Poet's Portable Workshop Ted Kooser -- The Poetry Home Repair Manual: Practical Advice for Beginning Poets Mary Oliver--A Poetry Handbook Laurence Perrine--Sound and Sense Kim Adonnizio and Dorianne Laux--The Poet's Companion: A Guide to the Pleasures of Writing Poetry Robert Pinsky--The Sounds of Poetry The Norton Anthology of Modern and Contemporary Poetry, two volumes. The New Bread Loaf Anthology of Contemporary American Poetry, ed. by Michael Collier and Stanley Plumly, New British Poetry edited by Don Paterson and Charles Simic, Contemporary American Poetry, ed. by R. S. Gwynn and April Lindner

im looking for dental assistance? or financial aid? i need to get my teeth fixed about $2000 of work. i applied online @ carecredit.com i have really bad credit i didn't qualify. i dont have a credit card. dont have enough in my 401k for a loan. i have a loan already thru the bank for car repairs / school clothes. and they will not renew it for that much money. does anyone know any good websites or web address for assistance with this? i would need a specific address. i asked this question before and all i got was insurance plans. i already have insurance. it doesnt cover the full cost. or does anyone know of any one that offers financial aid in regards to dental work? or anyone have any other ideas? i dont quailfy for medicaid or medicare. i do have a good job.

How to migrate an Xbox live account from an Xbox 360 to original Xbox? I just sent in my xbox 360 to microsoft to be repaired. and now i want to recover my gamertag to my xbox so i can play online still but it askes for a creditcard number and the card holder, and i never used a credit card, i used a prepaid 12 month card that i got from wal-mart and i never needed a credit card. according to Xbox.com it says you can recover your gamertag to either councils and swithch between the two but i dont know how. Any one know how to, thanks.

I need to refinance my car/get a car loan in order to A) Get my ex off the pink slip and B) Get a better rate. I just paid off 5,000 in debts, and now have no other obligations besides a 1,000 credit limit card from wamu, which I have paid over the minimum on for quite a while. Currently my credit score is at 574, could be better. However, here is where the issue lies. I am a nanny, and I am being 1099'd. Nobody will give me a loan when I am not "working" and I am! I am getting about 1200 gross a month, more than enough to cover the loan (my current one is 12% APR 274 a month). All the applications I have filed online have failed. Will I receive more attention if I go in the bank branch? If my parents cosign will they be more likely to give me the loan? Will they give me a loan even if the car is damaged (not my fault too, hit and run)? UGH. More info: Car is a 2007 Toyota Corolla S. It has some damage I am planning on repairing. I have 11,000 left on the car.

hardship letter to my mortgage lender? I puchased my first home in the end of september. So far I have only been able to make one payment. My payment amount is roughly $1200/month. I live in a condo and my association fees are $258. I know this sounds steep but the association fees covers all of my utlities (other than my electric) I have 3 credit cards that are maxed. I own my car so luckily I have no car payment. However in the past month I have shelled out nearly $1K for repairs/maintance The company I work for just told us we are not getting our anual raises this January, I need to write a letter explaining my harship. I have looked online for samples and all of the samples seem to deal with people who have lost their job, a death of their spouce or something really serious. on the other hand, just had a few unlucky months of poor money management. What can I say or put in the letter? Can someone help me please? I sincerly appreciate any and all help. I on the other hand, just had a few unlucky mont My cards were maxed so I could survive. I used them for groceries, gas (which is not cheap these days) electric bills, and for my costly car repairs My goal is to make my back payments, stay current and keep my home. I am a first time homebuyer and this is all a littel overwhelming for me.

Please critique my Cover Letter & Resume honestly, give me any and all helpful thaughts!!? Joshua Yount 539 Emory Street Imperial Beach, CA 91932 Phone: (619) 618-0499 Email: yountjoshua@yahoo.com To Whom It May Concern, I am writing this cover letter with expectations of achieving a position with your company as a server. I know there is a lot of turnover in this career. People decide that this is not what they want, or maybe it’s too stressful or they cannot work with the hours. I have many things to offer. I know what I want, as I have experience in this field. I honestly enjoy doing it, and love the rewards that come with this career. This would be a career stepping stone for me, so you can be comfortable in knowing that I can be counted on. The skills I have and the opportunity you can offer would make a great recipe for success for both the company and myself. Thank you for your consideration and the opportunity. I am confident that I will hear back from you, in the very near future. I will be available at your earliest convenience. You may contact me at anytime at (619) 618-0499 Respectfully, Joshua Yount Objective To achieve a position as a server, where my customer service skills and outgoing attitude can be put to work at its best for the companies better being as well as my own. Qualifications Great Customer Service Skills • Multi Tasks • Great Attitude • Bi–lingual • Works Well Under Pressure • Team Player • Food Knowledge • Stacks Several Plates On Each Arm Work History/Experience Feb. 2005 to Current -U.S. Air Force National Guard, Channel Island Air National Guard Base Camarillo CA, Services Technician - Welcome and greets customers - Provides quality customer service to dining facility customers - Cooks - Buses tables - Excepts suggestions and complaints with a smile - Performs various side work at the start and end of each meal April 2005 to Current -U.S. Air Force 30th Security Forces Squadron VAFB Lompoc, Ca Security Forces Augmentee - Armed up with a rifle and side arm to prepare for the worst on a daily basis - Responsible for making split second important decisions - Report writing on a daily basis - Maintained order and the protection of classified government installations around the base - Assisted and challenged individuals without a secret clearance 2004 to 2005 -Missouri Department of Corrections Moberly Correctional Facility, Moberly Missouri Correctional Officer I - Responsible for the protection/security of inmates - Assisted with inmate movement - Responsible for making split second decisions - Report writing on a daily basis 2004 to 2005 -Ricks American Grill, Moberly Missouri Server - Welcomed and greeted guests - Provided quality customer service to guest - Took orders, made recommendations and announced daily specials - Input orders in computer - Provided final bill to guests, accepted payments, processed credit cards 2000 to 2004 U.S. Navy HC-11 NAS North Island Coronado, CA Aviation Structural and Hydraulics Mechanic - Performed maintenance on 3 h-46 helicopters (Structural repairs, Mechanical Linkages, Painted) Education Feb 2007 to April 2007 -Services Technician School, Lackland Air Force Base, San Antonio TX (military school equivalent to a civilian Hotel and Restaurant Management course certification) - Certificate Acquired 2003 to 2004 - American Intercontinental University Online, Criminal Justice- Degree Not Acquired Feb 2000 to July 2000 –Naval Air Technical Training Center, NAS Pensacola Florida- Certificate Acquired References Given upon request

Is your son or daughter a computer hacker (READ)? As an enlightened, modern parent, I try to be as involved as possible in the lives of my six children. I encourage them to join team sports. I attend their teen parties with them to ensure no drinking or alcohol is on the premises. I keep a fatherly eye on the CDs they listen to and the shows they watch, the company they keep and the books they read. You could say I'm a model parent. My children have never failed to make me proud, and I can say without the slightest embellishment that I have the finest family in the USA. Two years ago, my wife Carol and I decided that our children's education would not be complete without some grounding in modern computers. To this end, we bought our children a brand new Compaq to learn with. The kids had a lot of fun using the handful of application programs we'd bought, such as Adobe's Photoshop and Microsoft's Word, and my wife and I were pleased that our gift was received so well. Our son Peter was most entranced by the device, and became quite a pro at surfing the net. When Peter began to spend whole days on the machine, I became concerned, but Carol advised me to calm down, and that it was only a passing phase. I was content to bow to her experience as a mother, until our youngest daughter, Cindy, charged into the living room one night to blurt out: "Peter is a computer hacker!" As you can imagine, I was amazed. A computer hacker in my own house! I began to monitor my son's habits, to make certain that Cindy wasn't just telling stories, as she is prone to doing at times. After a few days of investigation, and some research into computer hacking, I confronted Peter with the evidence. I'm afraid to say, this was the only time I have ever been truly disappointed in one of my children. We raised them to be honest and to have integrity, and Peter betrayed the principles we tried to encourage in him, when he refused point blank to admit to his activities. His denials continued for hours, and in the end, I was left with no choice but to ban him from using the computer until he is old enough to be responsible for his actions. After going through this ordeal with my own family, I was left pondering how I could best help others in similar situations. I'd gained a lot of knowledge over those few days regarding hackers. It's only right that I provide that information to other parents, in the hope that they will be able to tell if their children are being drawn into the world of hacking. Perhaps other parents will be able to steer their sons back onto the straight and narrow before extreme measures need to be employed. To this end, I have decided to publish the top ten signs that your son is a hacker. I advise any parents to read this list carefully and if their son matches the profile, they should take action. A smart parent will first try to reason with their son, before resorting to groundings, or even spanking. I pride myself that I have never had to spank a child, and I hope this guide will help other parents to put a halt to their son's misbehaviour before a spanking becomes necessary. 1. Has your son asked you to change ISPs? Most American families use trusted and responsible Internet Service Providers, such as AOL. These providers have a strict "No Hacking" policy, and take careful measures to ensure that your internet experience is enjoyable, educational and above all legal. If your child is becoming a hacker, one of his first steps will be to request a change to a more hacker friendly provider. I would advise all parents to refuse this request. One of the reasons your son is interested in switching providers is to get away from AOL's child safety filter. This filter is vital to any parent who wants his son to enjoy the internet without the endangering him through exposure to "adult" content. It is best to stick with the protection AOL provides, rather than using a home-based solution. If your son is becoming a hacker, he will be able to circumvent any home-based measures with surprising ease, using information gleaned from various hacker sites. 2. Are you finding programs on your computer that you don't remember installing? Your son will probably try to install some hacker software. He may attempt to conceal the presence of the software in some way, but you can usually find any new programs by reading through the programs listed under "Install/Remove Programs" in your control panel. Popular hacker software includes "Comet Cursor", "Bonzi Buddy" and "Flash". The best option is to confront your son with the evidence, and force him to remove the offending programs. He will probably try to install the software again, but you will be able to tell that this is happening, if your machine offers to "download" one of the hacker applications. If this happens, it is time to give your son a stern talking to, and possibly consider punishing him with a grounding. 3. Has your child asked for new hardware? Computer hackers are often limited by conventional computer hardware. They may request "faster" video cards, and larger hard drives, or even more memory. If your son starts requesting these devices, it is possible that he has a legitimate need. You can best ensure that you are buying legal, trustworthy hardware by only buying replacement parts from your computer's manufacturer. If your son has requested a new "processor" from a company called "AMD", this is genuine cause for alarm. AMD is a third-world based company who make inferior, "knock-off" copies of American processor chips. They use child labor extensively in their third world sweatshops, and they deliberately disable the security features that American processor makers, such as Intel, use to prevent hacking. AMD chips are never sold in stores, and you will most likely be told that you have to order them from internet sites. Do not buy this chip! This is one request that you must refuse your son, if you are to have any hope of raising him well. 4. Does your child read hacking manuals? If you pay close attention to your son's reading habits, as I do, you will be able to determine a great deal about his opinions and hobbies. Children are at their most impressionable in the teenage years. Any father who has had a seventeen year old daughter attempt to sneak out on a date wearing make up and perfume is well aware of the effect that improper influences can have on inexperienced minds. There are, unfortunately, many hacking manuals available in bookshops today. A few titles to be on the lookout for are: "Snow Crash" and "Cryptonomicon" by Neal Stephenson; "Neuromancer" by William Gibson; "Programming with Perl" by Timothy O'Reilly; "Geeks" by Jon Katz; "The Hacker Crackdown" by Bruce Sterling; "Microserfs" by Douglas Coupland; "Hackers" by Steven Levy; and "The Cathedral and the Bazaar" by Eric S. Raymond. If you find any of these hacking manuals in your child's possession, confiscate them immediately. You should also petition local booksellers to remove these titles from their shelves. You may meet with some resistance at first, but even booksellers have to bow to community pressure. 5. How much time does your child spend using the computer each day? If your son spends more than thirty minutes each day on the computer, he may be using it to DOS other peoples sites. DOSing involves gaining access to the "command prompt" on other people's machines, and using it to tie up vital internet services. This can take up to eight hours. If your son is doing this, he is breaking the law, and you should stop him immediately. The safest policy is to limit your children's access to the computer to a maximum of forty-five minutes each day. 6. Does your son use Quake? Quake is an online virtual reality used by hackers. It is a popular meeting place and training ground, where they discuss hacking and train in the use of various firearms. Many hackers develop anti-social tendencies due to the use of this virtual world, and it may cause erratic behaviour at home and at school. If your son is using Quake, you should make hime understand that this is not acceptable to you. You should ensure all the firearms in your house are carefully locked away, and have trigger locks installed. You should also bring your concerns to the attention of his school. 7. Is your son becoming argumentative and surly in his social behaviour? As a child enters the electronic world of hacking, he may become disaffected with the real world. He may lose the ability to control his actions, or judge the rightness or wrongness of a course of behaviour. This will manifest itself soonest in the way he treats others. Those whom he disagrees with will be met with scorn, bitterness, and even foul language. He may utter threats of violence of a real or electronic nature. Even when confronted, your son will probably find it difficult to talk about this problem to you. He will probably claim that there is no problem, and that you are imagining things. He may tell you that it is you who has the problem, and you should "back off" and "stop smothering him." Do not allow yourself to be deceived. You are the only chance your son has, even if he doesn't understand the situation he is in. Keep trying to get through to him, no matter how much he retreats into himself. 8. Is your son obsessed with "Lunix"? BSD, Lunix, Debian and Mandrake are all versions of an illegal hacker operation system, invented by a Soviet computer hacker named Linyos Torovoltos, before the Russians lost the Cold War. It is based on a program called "xenix", which was written by Microsoft for the US government. These programs are used by hackers to break into other people's computer systems to steal credit card numbers. They may also be used to break into people's stereos to steal their music, using the "mp3" program. Torovoltos is a notorious hacker, responsible for writing many hacker programs, such as "telnet", which is used by hackers to connect to machines on the internet without using a telephone. Your son may try to install "lunix" on your hard drive. If he is careful, you may not notice its presence, however, lunix is a capricious beast, and if handled incorrectly, your son may damage your computer, and even break it completely by deleting Windows, at which point you will have to have your computer repaired by a professional. If you see the word "LILO" during your windows startup (just after you turn the machine on), your son has installed lunix. In order to get rid of it, you will have to send your computer back to the manufacturer, and have them fit a new hard drive. Lunix is extremely dangerous software, and cannot be removed without destroying part of your hard disk surface. 9. Has your son radically changed his appearance? If your son has undergone a sudden change in his style of dress, you may have a hacker on your hands. Hackers tend to dress in bright, day-glo colors. They may wear baggy pants, bright colored shirts and spiky hair dyed in bright colors to match their clothes. They may take to carrying "glow-sticks" and some wear pacifiers around their necks. (I have no idea why they do this) There are many such hackers in schools today, and your son may have started to associate with them. If you notice that your son's group of friends includes people dressed like this, it is time to think about a severe curfew, to protect him from dangerous influences. 10. Is your son struggling academically? If your son is failing courses in school, or performing poorly on sports teams, he may be involved in a hacking group, such as the infamous "Otaku" hacker association. Excessive time spent on the computer, communicating with his fellow hackers may cause temporary damage to the eyes and brain, from the electromagnetic radiation. This will cause his marks to slip dramatically, particularly in difficult subjects such as Math, and Chemistry. In extreme cases, over-exposure to computer radiation can cause schizophrenia, meningitis and other psychological diseases. Also, the reduction in exercise may cause him to lose muscle mass, and even to start gaining weight. For the sake of your child's mental and physical health, you must put a stop to his hacking, and limit his computer time drastically. I encourage all parents to read through this guide carefully. Your child's future may depend upon it. Hacking is an illegal and dangerous activity, that may land your child in prison, and tear your family apart. It cannot be taken too seriously.