11/13/13 Once immersed in therapy how to judge if ur pain and anguish is therapeutic or just painful/therapist not a good fit?
Thursday, November 14, 2013
Saturday, October 12, 2013
Wednesday, September 18, 2013
Navy Yard Shootings: Terrorist, Crazed Gunman, or Victim? Anything's Possible!
Having been the victim of whistleblower retaliation three times in the last 5 years, I would NOT be surprised if the Navy Yard shooting suspect was a victim of harassment, discrimination, and/or retaliation, what I call "Institutional Terrorism".
My core values are selflessness, loyalty, integrity, compassion, excellence, dignity, and respect, and I believe in DOING THE RIGHT THING, something that has caused me a great deal of personal and professional grief over the course of my life as many of you know. Telling the truth and feeling obligated to report wrongdoing are not qualities everyone appreciates as I have found out. Currently, neither I nor most of the world know what prompted the suspect in today's Washington DC shootings, Aaron Alexis, at the Navy Yard to lash out indiscriminately, killing a reported 12 souls and injuring at least as many. But I can speculate as I have in previous recent articles.
From reporting my bully of a boss at one of the country's largest general contractors to human resources in 2009 to filing a discrimination and retaliation complaint against a University of Missouri - Kansas City (UMKC) associate dean in 2011 to reporting whistleblower retaliation by a government contractor and the Department of the Interior just this year, I had no choice but to act if I were to be able to look at myself in the mirror each morning.
Unfortunately, neither private business nor government institutions care about employees or customers (people) and do not hesitate to lash out at those they see as a threat. Why? Because they can!
They, the individuals and institutions that will not hesitate to ruin a person's life if we do not conform to their expectations or, God forbid, threaten their existence or livelihood in the case of the gross fraud, waste, and abuse I and many others have witnessed and reported, are not concerned about being held accountable for their actions or inaction. Discrimination and retaliation laws in this country, particularly whistleblower retaliation law and policy, have been degraded since the Bush (II) administration and are rarely if ever enforced because of the high costs involved with investigating or prosecuting cases and because attorneys will not touch a case unless there is a high probability of success and six to seven figure settlements. Pro bono you say? Yea ... right!
Lawyers will do nothing "for nothing" unless forced to or unless there is national media attention in the cards. Corporations and other large institutions know they can get away with attacking employees and customers because they know, in all probability, that they will get away with it.
Back to Alexis and the tragic massacre in Washington DC. I have no idea what compelled this man to lash out at coworkers, but based on my own experience, other mass shootings (aka "going postal"), and knowledge of human behavior, there is a chance that this man had been persecuted by a fellow employee or supervisor and was let down by a system (supposedly) designed to protect him. Having experienced the frustration that comes with that firsthand, I can tell you that retribution against attackers, at least the thought of such, is a distinct possibility. Add anxiety, depression, and loss of job, home or relationship to the thought of retaliating against our attackers and you have the making of a time bomb waiting to explode.
Most of us have the positive values and resilience to deal with such thoughts or temptations to act more humanely, more reasonably than others in those situations. But a small minority of the population, those overwhelmed by stress for example, do not. Was Alexis one of them? Only time will tell.
One thing is for sure, Alexis, a Navy Reserve veteran, will undoubtedly be categorized and condemned, as are most Veterans, as being "aggressive" and "threatening", and has already been labeled as having "anger problems" in a Fox News (@FoxNews) report just hours after the attack. I have written extensively about false perceptions among the civilian sector about Veterans, lumping us all together and generalizing that Veterans are "all angry, aggressive, and threatening" because that is how we have been portrayed in the media for decades, if not centuries.
Murder has declined sharply over the last 20 years, but mass murders have increased significantly since 2002. On average, 14,000 Americans die by the hand of an other each year and mass murder (shootings) has spiked with dozens murdered each year in 6 of the 7 most recent years (Virginia Tech, Fort Hood, Sandy Hook, Navy Yard). A total of 167 souls have died through mass murder in the last decade. Considering the fact that mass murders have become more prevalent recently, it appears to me that the stresses of war, the aftermath of 9/11 and threat of terrorism, a faltering economy, and degradation of whistleblower retaliation protections may play a critical role. The chances are astronomically AGAINST being the victim of mass murder, but proportionally MUCH HIGHER (when compared to murder in general) than just a decade ago.
When will this madness stop? Most likely, never. Until Institutional terrorism is addressed and laws protecting citizens from the powers that be are given more than "lip-service", there will always be those who feel their only course of action is violence when their back is against the wall. Or maybe Alexis was just a nutcase. That is a distinct possibility and, as more information is released, appears to be a very likely "part" of the story.
God bless the dozens of men and women killed or wounded in this horrible tragedy and God bless the families left to deal with the resulting grief and loss from a life cut short or severely disrupted by such an event, including the Alexis family. My prayers are with each and every one of you.
Key Words: Aaron, Alexis, Navy, Yard, shooting, violence, Washington, DC, NavyYardShooting, killed, murder, mass, murderer, shooter, military, Veteran, reservist, wounded, dead, institutional, terrorism
Friday, August 9, 2013
You have to murder, rape, or both to receive national media attention and, possibly, justice in this country. How many hundreds, thousands of hours do you and your peers waste every year providing prime nationwide television coverage to scumbags Anderson?
I recently lost my business, home, and most possessions BECAUSE I CHOSE TO DO THE RIGHT THING and report government fraud, waste, and abuse ... WASTE IN THE HUNDRED$ OF MILLION$!
I am just a retired military officer, disabled Veteran, and licensed professional counselor providing therapy to military and Vets (and their families) with PTSD. Do I have to kill someone, many, or myself to get attention and possibly justice in this country? Well, THAT DOG WON'T HUNT Anderson, ain't gonna happen because that is not the way I roll, NOT MY MO brother.
And we, American television viewers, citizens, wonder why middle-aged white men GO POSTAL? Many times it is because they were abused, bullied, discriminated or retaliated against, or otherwise harassed AND NOBODY GAVE A CRAP, NOBODY CARED BECAUSE STRAIGHT WHITE MEN HAVE NO RIGHTS. So the killer(s) feel as though they have no choice, other than taking extremely drastic measures, to receive (what they see as) JUSTICE.
As a middle-aged straight, white male who has experienced severe bullying, harassment, discrimination, and retaliation over the past 5 years and who has been completely ignored by my elected officials, government employees, lawyers, and the media, I can understand, intellectually, how some of those individuals felt. The only difference between me and them is that I have well defined personal values and the clarity of mind to know between right and wrong. Have I had fleeting thoughts of vigilante-type retribution? YOU BET! But I understand the difference between a short irrational thought and a course of action based on selflessness, loyalty, integrity, compassion, excellence, dignity and respect (my values). Those pushed to the brink of insanity cannot always make that distinction.
DO THE RIGHT THING ANDERSON! Stop prostituting yourself to Nielson Ratings and commercial advertisers, and tell the stories of real people, people struggling to serve their community, their country, leaving things better than they were before they arrived. Stop giving the narcissists, the sociopaths like Jodi Arias the attention they so desperately require and focus on telling the story of real Americans, those who deserve justice and cannot receive it unless something drastic happens ... DO SOMETHING DRASTIC ANDERSON ... TELL AMERICA HOW THE DEPARTMENT OF JUSTICE RUINED A MAN'S LIVELIHOOD FOR NO REASON OTHER THAN WANTING TO DO THE RIGHT THING.
Key Words: Anderson Cooper, Anderson, Cooper, enabler, enabling, murder, murderer, rape, rapist, justice, go postal, going, postal, values, harassment, bully, bullying, whistleblower, retaliation
Tuesday, August 6, 2013
Letter to the Editor: Air Force Times ... Preferential Treatment and Mixed Martial Arts as Treatment for PTSD?
After reading the August 12, 2013 issue of Air Force Times, I had to respond to two columns: Volunteerism and TransitioningVeteran.com and mixed martial arts (MMA) as an alternative treatment for PTSD (Bret Moore).
Volunteerism is an important topic and I applaud Air Force Times and the author for bringing this to the attention of your readers. What I do not understand is why one individual and his "pet project" received preferential treatment and outstanding (gratis) advertising when many other very deserving organizations, non-profits serving military and Veterans for example, are routinely overlooked.
As leader of a struggling non-profit serving military and Veterans with PTSD, I have submitted numerous letters and articles to your publication (several letters having been published), but was never offered an opportunity to showcase our non-profit ... Help4VetsPTSD (http://www.Help4VetsPTSD.org). I have published numerous articles related to military and Veteran mental health, the most recent in January's De Oppresso Liber magazine entitled "The Stigma Killing American Heroes", but have never been invited to be highlighted in your publication.
Why does TransitioningVeteran.com, an apparent for-profit enterprise, receive preferential treatment? This is not the first time I have seen private organizations given special treatment in your publication and it will likely not be the last.
In regard to Dr. Moore's column touting mixed martial arts and yoga as therapeutic alternatives, providing "substantial dividends" for PTSD sufferers, I have to raise the BS flag.
Yoga has been studied in empirically supported research studies and has been shown to provide positive dividends for those suffering from PTSD and other anxiety disorders. Yoga and other meditative states are beneficial (statistically), lowering cortisol levels and improving other stress-related symptoms when compared to no treatment.
Dr. Moore provided no reference to empirically supported, published research studies for either yoga or MMA and I do not recall ever having read anything about MMA being an effective alternative treatment for ANY chronic psychiatric condition, particularly PTSD.
I believe it is irresponsible for an individual, much less such a publication with a primarily military and Veteran audience as Military Times, to claim that a sport in which people beat each other to within an inch of their lives as therapeutic. There may very well be positive physical and mental benefits to both yoga and MMA, but it is irresponsible and unprofessional to claim that either deserves such prominence in your publication without adequate supporting research or, at the very least, a reference to a published study that provides empirically supported evidence of such a benefit.
Finally, Dr. Moore clearly does not understand the processes involved in yoga/meditation and their effects on lowering anxiety. He claims that yoga helps PTSD sufferers "fend off distressing thoughts", another form of avoidance and something any reasonable clinician would NOT want to promote in our clients. Yoga, meditation, and other Buddhist practices and beliefs DO NOT promote avoiding distressing thoughts, they DO promote simply accepting those thoughts in the present moment, thereby making them less threatening and increasing the individual's tolerance to experience the thoughts and associated emotions rather than avoiding them. Do your homework or leave it to the experts next time, giving your readers the accurate, objective information we deserve.
Chris Sorrentino, LtCol, USAF (Ret)
Executive Director, Help4VetsPTSD
Kansas City, MO
Friday, July 12, 2013
Tuesday, June 18, 2013
"I am so humbled by the faith people put in me. I am also overwhelmed by the perspective my clients have despite facing the worst tragedies. I just settled a case today for a man who suffered a leg amputation when a car pulled in front of his motorcycle. Over the time I have been his lawyer, I never heard him complain ONCE about how he felt or how his entire life has been re-written. He was surely in pain, scared, frustrated -- but his attitude was always shockingly positive and upbeat. This client trusted me sight-unseen on the recommendation of a mutual friend. He lives half a country away, and could have picked any of the lawyers knocking on his door. But he chose me. His attitude and spirit prompted me--after our very first conversation--to waive his case expenses AND more than half of my usual attorney fee. So I am thankful to know this client, and I extend boundless appreciation to him and our mutual friend who put us on the other's path."
“ The first thing we do, let's kill all the lawyers.” William Shakespeare - Henry The Sixth, Part 2 Act 4, Scene 2
"Selfless or narcissist ... that is the question!" - CombatCounselor, June, 18th, 2013Key Terms: arrogant, attorney, case, CombatActivist, court, defendant, defense, INSTITUTIONAL, InstitutionalTerrorism, judge, lawyer, legal, mediation, narcissist, plaintiff, selfless, TERRORISM, trial, victim, viral
Tuesday, April 23, 2013
|BeResilient Dave ... I'm sure you're a good guy!|
Here are some more recent and (very) questionable fundraising campaigns:
- Murderer George Zimmerman receives donations in the HUNDREDS OF THOUSANDS after killing an unarmed African-American youth
- Actor George Clooney raised $15,000,000 in one night for Barack Obama's reelection campaign
- Warner Brothers Pictures has over $3,000,000 raised (for them) TO PRODUCE A MOVIE based on the popular Veronica Mars television series
- An estimated $3 BILLION was raised ... wasted on negative campaign ads and wining and dining multi-billionaires ... during the 2012 presidential election campaign
- American Red Cross
- Salvation Army
- Wounded Warrior Project
- American Cancer Institute
- Help4VetsPTSD ... They got $0!
|StayTheCourse Boston ... You're in our prayers!|
CombatCounselor ... OUT!
Tuesday, April 16, 2013
Thursday, April 11, 2013
My NEW RADIO SHOW ... CombatCounselor Q&A ®, on BlogTalk Radio premiered today! Have a listen ... what could be so bad! CombatCounselor ... On the Front Lines in the Battle Against Anxiety and Depression ... Sometimes we have to lose a few battles to WIN THE WAR. The important thing to remember is ... NEVER GIVE UP .... and
... StayPresent BeResilient StayTheCourse ... CombatCounselor ... OUT!
Sunday, March 31, 2013
I saw a story on "Rock Center with Brian Williams" last night about tax refund fraud and the IRS. Apparently, this has become a very lucrative crime with scumbags stealing identities (very easy) and filing made-up tax returns IN YOUR NAME ... TO THE TUNE OF $5 BILLION LAST YEAR!
I have witnessed, first-hand, government/contractor waste on a huge scale recently. I cannot go into detail because of pending litigation, but this one contractor AND THE GOVERNMENT CONTRACTING OFFICER supposedly "overseeing" the contract, are wasting many millions of dollars annually and this is just one relatively SMALL contract! If the Department of Defense would join us in the 21st Century and take the steps necessary to give our military confidentiality when seeking mental healthcare, this particular contract would not even be necessary! A contract a few simple policy changes would eliminate all together wastes tens, if not hundreds, of millions each year. How absurd is that?
Thursday, March 14, 2013
C.T. Sorrentino, LtCol, USAF (Ret)
Air Force Tuition Assistance (TA) suspension is a TEMPORARY SOLUTION to a short-term problem ... SUICIDE is a PERMANENT SOLUTION to a temporary problem. TA is a very popular program, recruiting and retention tool, and valuable entitlement to our military men and women.
With sequestration comes program cuts, usually "soft" programs like TA over weapon system programs like to beleaguered F-35 program. So the temporary "suspension" of TA has troops up in arms and rightfully so. The White House Petition asking the president to save the TA program has garnered over 80,000 of the 100,000 required signatures to force Obama to address the issue. I started a White House Petition several months back when the criteria for presidential action was just 10,000 signatures and few petitions came close to that mark, so 80,000+ signatures is quite a milestone...congratulations!
My previous petition was similar to the one I recently started and even though tens of thousands saw my pleas for action, we received only 71 of the required 150 signatures to even get the petition viewable on the website, and WAY SHORT of the 10,000 signature requirement. What does that tell you about the priorities of our citizens? 71 signatures out of 25,000+ possible ... NOT A VERY GOOD CONVERSION RATE.
More men and women in uniform COMMITTED SUICIDE last year than were KILLED IN COMBAT! 6,900+ Military and Veterans die by their own hand each year and the negative stigmas against anxiety, depression, PTSD, and mental health treatment in the military are the cause.
We (military men and women and Veterans) learn NOT TO ASK FOR HELP for these very real and debilitating psychological problems because we fear being ostracized by superiors and peers, losing our security clearances, and/or possibly losing our careers. Until military men and women are GIVEN CONFIDENTIAL TREATMENT and the IGNORANCE OF OUR LEADERS are addressed, our heroes will continue to take their own lives!
Please read my articles on these stigmas, one of which (THE STIGMA KILLING AMERICAN HEROES) was recently published in De Oppresso Liber magazine. There is also a recent post on our WHITE HOUSE PETITION, asking President Obama to address this extremely important issue and allow our troops to receive CONFIDENTIAL TREATMENT, thereby reducing the stigmas, I have discussed very briefly here, over time.
Please sign our WHITE HOUSE PETITION and read more about the issue elsewhere in this blog: http://www.CombatCounselor.blogspot.com
Tuition Assistance WILL RETURN ... LAST YEAR'S 7,000 DEAD HEROES WILL NOT! Be selfless, THINK ABOUT SOMEONE ELSE FOR A CHANGE, PUTTING ANY SELFISH CONCERNS TO THE SIDE FOR NOW.
If our military men and women put as much effort into saving 7,000 lives each year as they do trying save an ENTITLEMENT that will only benefit them personally, our petition would succeed in record time. It is time to start thinking about someone other than yourselves, character traits like "empathy" (being able to put yourself in sometime else's shoes, feeling their pain, etc) and "selflessness", which is one of the Air Force Core Values by the way, and put your effort into more critical activities. It is time to be selfless and end these absurd yet deadly stigmas, empathizing with those afflicted by painful memories and emotions instead of ensuring that YOU have that AA Degree by the time you jump ship for the private sector.
BLESS YOU ALL AND THANK YOU FOR YOUR LOYAL SERVICE!
Key Words: PTSD,suicide,military,stigma,stigmas,troops,co confidentiality,confidential,mental,health,treatment,ignorance,career,security,clearance,CombatCounselor
Wednesday, March 13, 2013
Help end military suicides and the negative stigmas surrounding PTSD and mental health treatment in the military
Read more in The CombatCounselor Chronicle: http://combatcounselor.blogspot.com/2012/12/article-stigmas-killing-american-heroes.html
To put things in perpective and give you an idea of how lost our citizens are, how apathetic Americans have become, how ignorant some can be, read this:
Movie studio Warner Brothers Pictures +WBPictures ID has generated nearly $4,000,000 in donations from thousands of Veronica Lake fans through Kickstarter to fund a movie based on the popular series. "The Veronica Mars Movie Project", launched on March 13, 2013, has attracted 59,209 contributors in less than 2 weeks and has generated $3,855,258 in funds FOR WARNER BROTHERS STUDIOS!
March 25th, 2013
Thursday, March 7, 2013
I was watching 60 Minutes on CBS recently and there was a story on the three national credit bureaus, Trans Union, Equifax, and Experian, and the fact that ten percent (10%) of Americans, one in every 10, have errors on their credit reports. I was even more shocked to learn that one out of five of us, five percent (5%), have errors on our credit reports BAD ENOUGH TO HURT OUR CREDIT SCORES! I will get back to these problems, huge problems in-fact, a little later, but first I want to understand the credit reporting process a little better.
“VantageScore is the credit industry’s first credit score developed jointly by the three national credit bureaus. This innovative new approach to credit scoring simplifies the credit granting process for consumers and creditors by providing a consistent, objective score to the marketplace. Credit scoring is used to help potential lenders and users of credit reports quickly measure your credit worthiness and decide the type of risk they are taking by doing business with you. In addition to your credit score, lenders may also consider other factors such as your income, assets, length at current residence and employment history. There are many different scoring models used in today’s marketplace and different criteria used by different lenders. Regardless of what scoring model is used, they all have one purpose: to summarize your credit worthiness.”
Other things affect your VantageScore beside poor payment history and bankruptcy, including how long your credit history is, how many credit accounts you have, the credit limits on those accounts, and the debt to credit limit ratio. Other things affecting your score negatively are closing accounts and having too many accounts at any given time. The logarithm used by the BIG 3 to determine your score is a closely held secret and trying to figure it out is not an exact science, but some things you can do to maintain a good credit score are:
1. Make payments on-time
2. Keep a good balance of accounts and credit limits (higher is better)
3. Maintain a reasonable debt to credit limit ratio (not too high and not to low)
4. Use your accounts and credit cards regularly (at least once a year)
5. DON'T close accounts if possible, particularly before shopping for a loan!Many people do not understand that your VantageScore also influences other areas of your life. According to Forbes magazine, things, other than loan interest rates, that can be affected by your credit score include your home and car insurance rates, renting a home, getting hired or not, getting utilities for your new home, professional licensing, and even whether or not you will be investigated as a possible TERRORIST … seriously!
Now that you understand the system we are working with, I would now like to get back to the problems with the credit scoring process reported by 60 Minutes and discussed earlier. Because your credit score has such a large and significant impact on your life in so many areas, there is a failure in the system when five to ten percent of citizens are affected negatively because of errors that ARE NOT THEIR FAULT!
60 Minutes highlighted the story of one woman who attempted to fix errors on her reports with the BIG 3 for SEVERAL YEARS. A person with bad credit, with a name and social security number totally unlike hers, was mistakenly being included on HER CREDIT REPORTS! When she tried to fix the problem, the BIG 3 ignored her request or refused to believe her, EVEN AFTER THE OTHER WOMAN AND HER CREDITORS SIGNED AFFADAVITS SUPPORTING HER CLAIMS! People lose jobs and houses over things like this and the BIG 3 were totally unresponsive. 60 Minutes indicated that this was not an isolated incident and reported that it appears to be a systemic problem, a problem the BIG 3 refuse to address or fix … another example of Institutional Terrorism ™ at work in America.
My own credit history was flawless, without a late payment or other blemish for over 30 years and a FICO Score very close to a perfect score of 850. We regularly shopped at Kohl’s, a discount department store chain, for clothes and household items three or four times a year. Kohl’s offers special discounts for the credit card customers, so we applied for a card and used it every few months. We have most of our credit card, utility, and other recurring payment accounts on “auto pay”, having the statement balance taken out of our bank account automatically every month. Because we only shopped at Kohl’s every few months, that option was not possible, so I relied on their email “payment due” reminders and, as a backup, statements mailed to our home to remind me to make a payment.
While paying our bills one weekend, I suddenly remembered that we had shopped at Kohl’s a while back and I had not received an email or statement, so I logged in to their website to see when the payment was due. I do not know about you, but time flies by and when I saw that our account was over 60 days past due, I was flabbergasted! I knew it had been a while, but did not realize it had been 60 days.
I immediately called Kohl’s and told them I was sorry for the late payment, asking to make a payment immediately over the phone. After doing so, I asked the woman if Kohl’s had reported our late payments to the BIG 3 and she indicated that they had. I told her that I had not received a reminder email or statement in the 60 days since making the purchases and asked her if she could PLEASE remedy the discrepancy with the credit bureaus, having had “golden” credit for 30 years. She rudely told me “I guess you are the only customer out of thousands of Kohl’s customers not to receive a statement!” I told her “yes, I guess I am” and asked her again, very nicely, if she could help us out. She told me, in no uncertain terms, that I was a liar and that she would do nothing to help me, so I asked her to close our account. She told me that Kohl’s had already closed our account, again without even notifying us!
What kind of business reports negative information to the BIG 3 and closes a (very good) customer’s account without ever sending an email, statement, late notice, or calling to find out what was going on? We shopped almost exclusively at Kohl’s, spending from $2,000 to $3,000 a year at their stores and had a perfect payment history, 53 straight months without a late or missing payment, a pretty good customer by most standards, and Kohl’s closes my account for a simple oversight? I admitted and continue to assert that, in the end, I AM RESPONSIBLE and should have paid much closer attention to our obligations, but Kohl’s not only failed to help us succeed, THEY INSULTED MY CHARACTER!
As a retired Air Force lieutenant colonel, I take great pride in my core values and character, so if you really want to upset me, question my character! Kohl’s has lost two very good customers, customers who spent in excess of $10,000 over a 5-year period, paying on time in all but the last two months. So who is the loser here? Kohl’s and their shareholders … NOT US … we still buy clothes, from J.C.Penney!
The moral of this story is that a small error, particularly one you caused yourself, can cost you BIG TIME when it comes to your credit score. After Kohl’s reported our two late payments to the BIG 3, our FICO scores dropped from the low to mid-800s to 620! Thankfully, we were not refinancing our mortgage or buying a car at the time because we would have been turned down or forced to pay an interest rate far above prime … all for a simple mistake and two late payments in 30 plus years.
Because credit scores play such a significant role in our everyday lives, making the difference between success and failure, owning a home or living on the street in some cases, it is critical that the BIG 3 get it right and when they do not, they need to respond quickly and with compassion … but they do not and probably will not UNLESS FORCED TO DO SO.
If my constituents decide to support me for political office, I will go after the BIG 3 and ensure that no more citizens are terrorized by ignorance, incompetence, or lack of concern for customers. I will fight Institutional Terrorism, as my family experienced with Kohl’s (and other large companies/organizations) and like the poor woman in the 60 Minutes story experienced with the BIG 3. Why? Because it is the right thing to do and because American citizens deserve to be treated with dignity and respect. Citizens in general and customers in particular should be given the benefit of the doubt instead of automatically being assumed a liar or con artist. Innocent until proven guilty? Maybe in the courts, but not by large organizations like Kohl’s, Experian, Trans Union, Equifax, and others, perpetrating Institutional Terrorism on innocent Americans.
Americans are all struggling financially in this economy, even the richest of the rich have suffered losses ... not that we feel too sorry for the millionaires and billionaires who are "suffering" out there. Financial problems invade many if not most homes across the country, so it is important to communicate effectively with your partner about financial issues, ensuring that both parties are at least informed about the current situation, even if it happens to be bleak. Relationship success is based on communication and teamwork, particularly when it comes to finances. Four eyes are much better than two are, especially when large organizations, like the BIG 3, think they can act with impunity, ruining lives without a thought about it. So keep a regular eye on your credit reports by visiting either Experian, Trans Union, or Equifax once every four months at this FREE SITE:
Key Words: Trans Union, Equifax, Experian, Kohl’s, credit reports, FICO, VantageScore, credit, score, bureau, consumers, creditors, lenders, risk, business, payment, bankruptcy, history, accounts, limits, debt, payments, balance, credit card, blemish