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Archive for June, 2009

CREDIT SCORES ARE DESTROYING THE ECONOMY!!!

June 27, 2009 at 12:50 am · Filed under BAD CREDIT SCORES DESTROYING ECONOMY OF UNITED STATES, CARING FOR THE ELDERLY, DISCRIMINATION, ECONOMICS, Family, Love, MIDDLE INCOME, PUBLIC HOUSING, REALESTATE, SINGLE PARENTS, Skizophrenia, business, relationships and tagged: , , , , , , , , ,

  1. IF YOU   ARE   TELLING ME THAT I AM A BAD RISK BECAUSE  I HAVE A BAD CREDIT SCORE….WHAT DO YOU THINK THAT DOES TO THE ECONOMY? 
  2. EVENTUALLY PEOPLE WHO ARE COLLEGE STUDENTS,   NEWLYWED,   ELDERLY,  AND MIDDLEINCOME FOLKS  WILL HAVE A PROBLEM.   ARE YOU TELLING ME THAT PEOPLE DO NOT MAKE MISTAKES?   OR IS IT THAT YOU HAVE A PERFECT SCORE RIGHT NOW   AND YOU BELIEVE THAT YOU WILL NEVER GET SICK…NEVER DIE…..OR YOUR SIGNIFICANT OTHER WILL NOT GET SICK OR DIE  OR HAVE  HEART ATTACKS;   THAT YOUR  JOB OR COMPANY WON’T  HAVE A DOWN FALL —LIKE THE RECENT STOCK MARKET CRASH?   IS IT THAT PEOPLE WHO DISLIKE HISTORY CLASS SO MUCH ACTUALLY THINK THAT HISTORY DOES NOT REPEAT ITSELF?   YOU  WHO ARE SO INTENT IN DESTROYING PEOPLE’S  OPTIONS TO IMPROVE  AND GROW IN THIS COUNTRY…ARE ONLY DESTROYING THE ECONOMY.  MAKE USABLE RULES FOR CREDIT CARDS,  MAKE LOGICAL  AND FAIR TERMS FOR MORTGAGES  THAT DO NOT SET PEOPLE UP FOR FAILURE… HELP A WOMAN WHOSE HUSBAND DIED,  OR BECAME SICK AND CAN NO LONGER WORK.  THEY TOOK MY  HOUSE AND I HAD TO FILE BANKRUPTCY TO BE ABLE TO LIVE.  NOW EVERY APARTMENT THAT I TRY TO MOVE TO REFUSES TO SEE ME  FACE TO FACE.   FRESHMEADOWS,  HILLSIDE APARTMENTS ….,  WINDSOR PARK…..LEFRAK CITY…..ALL EXPECT  POTENTICIAL TENNANTS TO HAVE 700  OR HIGH  600 CREDIT SCORE  TO EVEN LOOK AT AN APRARTMENT.   ALSO  YOU HAVE TOBE EARNING ATLEAST $60, 000.00 PER YEAR  TO QUALIFY TO MOVE INTO THEIR APARTMENTS.  WE ARE TALKING A TWO BEDROOM OR 3 BEDROOM.  IF THERE IS 2 OR 3 PEOPLE  THEY WILL NOT LET YOU TAKE A ONE BEDROOM UNTIL YOUR LIFE IMPROVES…YOU MUST HAVE A TWO BEDROOM.  THEN THEY WANT YOU TO HAVE APERFECT SCORE AND THEN PAY 1500.00 OR 1600.00 PER MONTH RENT  AND STILL COVER THE UTILITIES….
  3. THIS HARD LINE OF MANAGEMENT WILL  EVENTUALLY DESTROY THE FABRIC OF THIS COUNTRY AND THEN WEAR AWAY  THE INFRASTRUCTURE  THAT IS THE AMERICAN DREAM.
  4. KEEP ON BLAMING VICTIMS LIKE MYSELF…YOU HAVE ARMY VETERANS COMING HOME FROM WAR..THAT CANNOT WORK AND WILL BE ON A FIXED INCOME… THE PUBLIC HOUSING HAS ONLY A LIMITED AMOUNT OF SPACE TO SPARE.  SO WHERE WILL THE PUBLIC RUN ….?   HOMELESS SHELTERS?
  5. SOME PEOPLE LIKE MYSELF…WHOSE HUSBAND BECAME CATASTROPHICALLY SICK  AND MISSING FOR 10 YEARS …HAVE BEEN KICKED TO THE CURB BY FRESHMEADOWS,  APARTMENT.  I HAVE A JOB  THAT I CANNOT SAY…BUT IT IS A CIVIL SERVICE JOB..THAT IS VERY,  VERY RESPECTABLE….THEY DO NOT EVEN WANT TO SPEAK TO MY JOB…TO CONFIRM MY JOB STATUS  OF TWENTY YEARS…AND MY  RENTAL  CREDITBILITY OF  3 1/2 YEARS IN THE CURRENT TWO FLOORS OF A HOUSE THAT I RENT FOR $1600.00!
  6. SO WHAT IS THE PROBLEM HERE?  CAN YOU TELL ME?
  7. THE SYSTEM  IS NOT GOINHG TO IMPROVE…UNTIL  IT IS RESTRUCTURED TO ALLOW FOR PROVABLE PROBLEMS  SUCH AS MY OWN.  I HAVE DOCUMENTATION THAT CONFIRMS MY LOW CREDIT SCORE OF 524…THE LOSS OF A HOUSE VALUED AT 180,000.00,  A TIME SHARE VALUED AT $50.000.00,  TWO HOME IMPROVEMENT LOANS  THAT DID NOT GET PAID BECAUSE MY HUSBAND GOT SICK  AFTER TEN YEARS OF MARRIAGE AND THEN CATASTROPHICALLY COULD NOT CARE FOR  HIS RESPONSILBITIES…SO I GOT LEFT HOLDING THE BAG. 
  8. SO SOCIETY….WHERE DO  WOMEN WHO ARE GAINFULLY EMPLOYEED BY A CIVIL SERVICE CODE OF ETHICS GO…WHEN  LIFE HANDS THEM A RAW DEAL??????
  9. THE PUBLIC HOUSING MARKET REFUSES TO ALLOW ME TO MOVE IN BECAUSE I EARN TOO MUCH MONEY….YET  TO THE FRESHMEADOWS APARTMENTS,  LEFRAK APARTMENTS,   WINDSOR PARK APARTMENTS,  AND REGENCY APARTMENT ON HILLSIDE AVENUE…I AM A RISK!
  10. I SERVE THE SOCIETY…BUT THE SOCIETY  DOES NOT SERVE OR ASSIST A SINGLE PARENT WOMAN WHO IS 48 YEARS OLD  AND CARES FOR HER ELDERLY 79 YEAR OLD MOTHER …AND CHILD.
  11. MY VIEW….I THINK THERE ARE MORE  PEOPLE LIKE ME IN THE WORLD…THEN THERE ARE PEOPLE WHO ARE HAVING PERFECT CREDIT SCORES…AND GUESS WHAT?  
  12. FAMOUS PEOPLE DIE,  GET SICK,  AND LOSE THEIR MONEY  AND THEY HAVE PROBLEMS TOO.  LOOK AT WESLELY SNIPES…HE HAD TAX PROBLEMS….HE IS NOT HOMELESS…BUT HE DOES HAVE THE HIGHER INCOME TO PAY  I GUESS.
  13. I CAN NOT PAY UNDER THE TABLE…I WILL NOT PAY UNDER THE TABLE….I REFUSE TO PLAY A GAME TO GET DECENT HOUSING…HOW YOUGET IT…IS HOW YOU KEEP IT….
  14. SO FOR ATTEMPTING TO BE HONEST…I GET NOTHING…
  15. I WONDER…HOW MANY PEOPLE IN THIS SCOCIETY HAVE PERFECT CREDIT SCORES..?  HOW MANY PEOPLE IN THIS SOCIETY  WILL LOOSE THEIR HOUSE TO SICKNESS,  PROBLEMS, ETC…. 
  16. KEEP KICKING PEOPLE TO THE CURB….WITH THE CREDIT SCORES NONSENSE…AND WAIT AND SEE WHAT HAPPENS  TO THE ECONOMNY. 
  17. YOU ARE OUT PRICEING PEOPLE AT THE GAS PUMP…THE SUPERMARKET,  THE HOUSING INDUSTRY,  CAR INDUSTRY,  AND THE MEDCIAL INSURANCES PLANS,  AND DOCTORS  MAL PRACTICE INSURANCES…
  18. AND THE POOR PEOPLE LIKE MYSELF AT THE BOTTOM OF THAT MOUNTAIN,  ICEBERG…OR WHATEVER YOU WANT TO CALL IT…AND THEN YOU WILL SEE….
  19. CREDIT SCORES  ARE DESTROYING THE ECONOMY!
  21. TILL NEXT BLOG…
  23. RIVER  OF   LIFE LISA JOY….
  25. P.S.   I  WILL BE  BLOGGING ABOUT  THE UNFAIR HOUSING PRACTICE  THAT ARE
  26. GEARED  AT THE STRUGGELING SUB- MIDDLE CLASS IN OUR AMERICAN
  27. SOCIETY THAT IS DESTROYING THE AMERICAN DREAM  OF JUST HAVING A
  28. CLEAN  APARTMENT FOR YOUR FAMILY….

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DON’T GO TO FRESHMEADOWS APARTMENTS OR WINDSOR PARK IF YOU HAD CATASTROPHIC FAMILY CRISIS….ALL THEY CARE ABOUT IS CREDIT SCORES..NOT PEOPLE

June 24, 2009 at 6:37 am · Filed under BAD CREDIT SCORES, FRESHMEADOWS APARTMENTS IN QUEENS, Family, HOUSING DISCRIMINATION, REALESTATE, WINDSORPARK APARTMENTS IN QUEENS, business and tagged: , , , , , ,

MY CREDIT SCORE IS A BIT MESSY.  YOU ALL THAT HAVE READ MY BLOGS KNOW ABOUT THE LOSS OF MY HUSBAND.  SO NOW…GUESS WHAT?  NO BODY CARES….I LIVE IN QUEENS VILLAGE.    I HAVE A   JOB THAT IS EXTREMELY RESPECTABLE…I HAVE WORKED IT FOR TWENTY YEARS.  YET,  STILL  AND ALL…AFTER I TOLD FRESHMEADOWS AND WINDSOR PARK APARTMENTS IN QUEENS ABOUT MY HUSBAND BECOMING SKIZOPHRENIC AND CAUSING ME TO HAVE TO FILE BANKRUPCTY AND LOSING MY HOUSE IN FORECLOSURE…THEY TOLD ME NOT TO EVEN BOTHER COMING INTO THEIR OFFICE.  THEY REFUSED TO INTERVEIW ME…AND EVEN SEE PAY STUBS OR ANYTHING.

I HAVE BEEN LIVING IN A RENTAL TWO FLOORS OF MY LANDLORDS HOUSE.  THE REASON I HAVE TO MOVE IS THAT MY LAND LORD IS LOOSING HER HOUSE TO FORECLOSURE…  I DO NOT KNOW WHY…CAUSE I HAVE PAID MY RENT FAITHFULLY…STRANGE UH…?     I PAY$1600.00 PER MONTH RENT…I PAY THE UTILITIES TO HEAT THE HOT WATER,  AND GAS TO HEAT THE HOUSE AND GAS TO COOK.  THE LANDLORD IS LIVING OFF OF ME BASICALLY.  THAT IS NOT SUPPOSED TO BE THE CASE.

I TOLD ALL OF THIS TO THE FRESHMEADOWS AND WINDSOR PARK APARTMENTS AND THEY WOULD NOT EVEN SEE ME FACE TO FACE.

BEFORE THEY EVEN INVITE YOU IN TO SEE AN APARTMENT THE FIRST QUESTION OUT IS “”"”HOW IS YOUR CREDIT SCORE”"”"

WHAT WAS HURTFUL WAS HOW WINDSOR PARK HAD STRUNG ME ALONG…MAKING ME BELIEVE THAT HE  (((A MAN NAMED JOSHUA)))   WOULD MEET ME ON A WEDNESDAY NIGHT AND CANCELLING AND THEN  PROMISING TO MEET WITH ME ON A SUNDAY.  THEN CANCELLING THAT ALSO.

I CUT TO THE CHASE AND SAID….”LOOK…YOU ARE NOT GOING TO SHOW ME AN APARTMENT ARE YOU? TELL ME THE TRUTH…IS IT BECAUSE I WAS HONEST AND TOLD YOU ABOUT WHAT HAPPENED TO MY CREDIT BECAUSE OF THE CATASTROPHIC  SICKNESS THAT TOOK MY HUSBAND OUT OF THE PICTURE AND DESTROYED MY CREDIT SCORE? 

 

THE MAN WAS SILENT AND SAID…”LOOK WE HAVE TO FOLLOW THE RULES.”   I   REPLIED AND  STATED…HOW   CAN  YOU JUDGE ME LIKE OTHER PEOPLE WHO HAVE SIMPLY OVER SPENT THEIR MONEY ON CREDIT CARDS…???  YOU SHOULD LOOK AT EACH FAMILY BASED ON CASE BY CASE BASIS.

THE WINDSOR PARK MAN NAMED JOSHUA…THEN SAID TO ME…LOOK….GET A CO-SIGNER…

I DO NOT HAVE FREINDS THAT WILLCO-SIGN FOR AN APARTMENT….ARE YOU CRAZY…?  I am a single woman a Christian  woman..who does not have any friends…no real friends…I am alone except for my mother and son.  No body will just up and co-sign on an apartment…it is not a house…we are talking a rental apartment…..!

I SAID,  WHAT?   I PAY $1600.00 PER MONTH…I HAVE NOT BEEN LATE ON MY PAYMENTS  AND MY MOTHER HELPS TO PAY TOO…SHE IS ON SOCIAL SECURITY AND PENSION…I AM NOT COMPLETELY ALONE HERE…

 

BUT WINDSOR PARK AND FRESHMEADOWS  HAVE THEIR RULES AND REGULATIONS.

SO I CALLED 311  AND NOW I HAVE RECEIVED AN APLICATION TO THE HOUSING PROJECTS.  I MAKE MORE MONEY..THAN THE PEOPLE THAT LIVE THERE BASED ON THE APPLICATION STATES…BUT THAT IS ALL I CAN GET BECAUSE I HAVE THE NEW TABU DISEASE…BAD CREDIT SCORE. 524 to be exact…I have not purchased a car,  or anything..so I am a bad risk.

 

MY CREDIT SCORE IS 524….DUE TO ALL THE PROBLEMS…AND STRUGGLES…

JUST MAKE SURE YOU HAVE A RELATIVE OR FREIND WHO  WILL CO-SIGN OR YOU HAVE TO HAVE THAT GREAT CREDIT SCORE TOO…600-700 OR YOU WILL  END UP LIKE ME….DISCRIMINATED AGAINST FOR FAMILY CASTROPHIC DISEASE…THAT YOU HAD NO CONTROL OVER…WHAT SO- EVER…

 

THEY DO NOT CARE THAT I HAVE A HIGHLY HONORABLE JOB  THAT I HAVE WORKED ON FOR 20 YEARS AND MAKE IN THE $40,000.00 NOT INCLUDING MY MOTHERS’  ASSISTANCE..

 

BUT TO THESE  MIDDLE INC OME APARTMENT complexes  ….LIKE FRESHMEADOWS AND WINDSOR PARK… A WOMAN WHO IS FOURTY-EIGHT (((48)))) HAS  A 16 YEAR OLD WHO IS IN A COLLEGE BOARD HIGHSCHOOL,  PLAYS TENNIS,  AND IS A GOOD KID….  WORKING ON COLLEGE PREPARATION….AND A 79 YEAR OLD MOTHER  WHO IS WHEEL CHAIR RIDDEN…

 

I  POSE  A VERY GREAT RISK…..I AM A HAZARD TO FRESHMEADOWS…A CITY WORKER WHO HAS 20 YEARS ON THE JOB…AND IS NOT READY TO RETIRE…BECAUSE I HAVE TO SEND MY 16 YEAR OLD TO COLLEGE IN TWO YEARS…..I AM  NOT TO BE TREATED DIFFERENTLY….OR EVEN ALLOWED TO SEE WHAT THEIR APARTMENTS LOOK LIKE!

 

BE WARE YOU DEFAULTING HOME OWNERS…BEFORE YOU END UP LIKE ME….

FORECLOSED UPON AND HOMELESS AND MOVING INTO THE PUBLIC HOUSING PROJECTS  WHICH CAN BE VERY DANGEROUS…AT TIMES..

 

I KNOW…I HAD LIVED AT REDHOOK….BEFORE GANG VIOLENCE WAS SO STRONG ….17 YEARS AGO….SO PLEASE GUYS PRAY FOR MY FAMILY. 

 

PRAY FOR THIS 48 YEAR OLD WOMAN THAT FRESHMEADOWS APARTMENT COMPLEX CONSIDERS A HIGH RISK TENNANT…AND WOULD NOT EVEN ALLOW ME TO STEP FOOT ON THEIR GROUNDS JUST BECAUSE MY HUSBAND GOT SICK…A CIVIL SERVANT  WHO WAS CATASTROPHICALLYH SICK…and I lost everything ….so I am not black listed to be shunned by any clean and respectable  housing facility.

WOW!   WATCH OUT GUYS…PAY THAT MORTGAGE…BEING HOMELESS TODAY IS NOT AN OPTION…YOU MAY BE MEETING ME CARRYING MY BAGGAGE INTO THE PUBLIC HOUSING ….CAUSE THAT IS ALL THAT IS AVAILABLE…SINCE WINDSOR PARK APARTMENTS…DECLINES TO EVEN ALLOW ME TO STEP FOOT ON TO THEIR GROUNDS TO LOOK AT AN APARTMENT BECAUSE MY HUSBAND GOT SICK AND LEFT ME TO FEND FOR MY CHILD AND MY SELF. 

I AM BEING VICTIMIZED BY THE NEGATIVES OF MY HUSBAND’S  ILLNESS.

I HAD FILED BANKRUPCTY 7 YEARS AGO…BUT THAT WAS NOT A LONG ENOUGH TIME FOR  FRESHMEADOWS..OR WINDSORPARK APARTMENT COMPLEXES.

OH,  WELL…

JUST TAKE CARE….

I WILL BLOG ABOUT MY MOVE INTO THE PROJECTS AND WHERE I LIVE…

TILL NEXT BLOG…

 

KICKED TO THE CURB BY FRESHMEADOWS APARTMENTS IN QUEENS AND WINDSORPARK APARTMENTS   IN QUEENS.. DUE TO BAD CREDIT SCORE AND CATASTROPHIC ILLNESS THAT DESTROYED MY FINANCIAL FUTURE …SO LATE IN LIFE…. RIVEROFLIFELISAJOY

 

I PRAY FOR  A BETTER FUTURE FOR MY SON…AMEN

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