Category Archives: Credit

Antrim County MI Dominion test update, Corrupt AG Nessel and SOS Benson hide results, Protective order to be lifted Monday? Guilty dogs bark loudest

Antrim County MI Dominion test update, Corrupt AG Nessel and SOS Benson hide results, Protective order to be lifted Monday? Guilty dogs bark loudest

“Trump’s not gonna win. I made f*cking sure of that!”...Eric Coomer, executive with Dominion Voting Systems

” This must be about stopping Trump”…Gabriel Sterling , GA election official

“Michigan Attorney General Dana Nessel has reportedly threatened a journalist for exposing voter-fraud in her state.     On Tuesday, reports found Nessel sent a ‘cease and desist‘ order to Shane Trejo of Big League Politics over his reports called ‘Detroit Leaks.‘”…One America News November 10, 2020

 

From the Gateway Pundit article below:

“Will A Small County In Northern Michigan Be The Key To Overturning The Nation’s Election Results? America Should Find Out On Monday”

Background on Dominion Voting Systems testing and issues highlighted by Antrim County Michigan.

From Citizen Wells December 8, 2020.

“The following is a summary of major events leading up to, during and after the 2020 Election involving concerns and documented fraud tied to Dominion Voting Systems in multiple states.

As you read the following, Dominion executive Eric Coomer stated  the following shortly before the election:

“Trump’s not gonna win. I made f*cking sure of that!”

That has to be taken seriously!

PRE ELECTION.

Texas tested Dominion for the third time and reported their rejection in February 2019.

“Texas Attorney General Ken Paxton, said they decided not to go with Dominion software for vote counting in the 2020 election, as they had recognized there were problems with it, and it couldn’t be trusted.”

“Texas Dominion Voting Systems testing and evaluations report dated February 15, 2019.

“Re: Inspection of the Dominion Voting Systems’ Democracy Suite 5.5 conducted on January 16 and 17, 2019″

https://citizenwells.com/2020/11/16/texas-dominion-voting-systems-testing-and-rejection-texas-attorney-general-ken-paxton-tested-three-times-system-failures-were-evident-in-both-software-and-hardware/

Georgia Democrat Senator Elena Parent 2019:

“Why on earth would we buy less-secure machines that are opposed by the voters, opposed by national security experts, at risk of being decertified right now in New York, are far more expensive than the hand-marked paper ballots, are possibly going to be decertified by the national election authorities within 2-4 years, when we’re spending, taking out a 20-year bond,” Parent said. “You start saying, ‘Why on earth would we buy these things?’

“I have been baffled, absolutely baffled. This is not a partisan issue — you don’t do voting machines on a party-line vote. This is crazy. And so I’m like, what is going on here? I’ve been given absolutely no good reason why we should buy these things. There’s not one good reason. So therefore, it just reeks of corruption — that we’re prioritizing vendors over voters.”

https://thebrunswicknews.com/news/local_news/contentious-voting-bill-passes-senate/article_13c51cc5-7a20-5512-9f6d-bf3a0d88348c.html

DURING THE ELECTION REAL TIME.

Colonel Phil Waldron and his team of white hat techies were monitoring the election real time and collected data confirming the Dominion Voting Systems equipment was communicating with off shore sites and performing in such a way as to reveal data manipulation.

The following is his presentation in the Michigan hearing from December 1, 2020. He elaborates on what transpired in Antrim County and his revelations contradict the official narrative we were given.

POST ELECTION.

Ware County Georgia:

Robb Hurst, CPA 
@robbhurstCPA

Ware County, Ga has broken the Dominion algorithm: Using sequestered Dominion Equipment, Ware County ran a equal number of Trump votes and Biden votes through the Tabulator and the Tabulator reported a 26% lead for Biden.”

“ROBERT W. HURST, JR.CPA, BUSINESS OWNER

Robb graduated from the University of Georgia with both, his Bachelor of Business Administration in Accounting, 1989, and Master of Taxation, 1990. He began his career in public accounting in 1991 at the national accounting firm KPMG Peat Marwick in Greenville, SC. In 1992, after the death of his dad’s partner, Robb and his wife Lorna journeyed home to Douglas, GA to work with Robert Hurst, Sr., until his retirement in 2004, at Hurst & Hurst CPAs, LLC.

Robb specializes in dealing with the accounting and tax problems of small businesses and their owners. He has extensive experience in the retail, restaurant, construction, healthcare and other professional industries. Other areas in which he exceeds the expertise of most is his in depth knowledge of accounting and auditing procedures and financial reporting requirements for government and nonprofits.”

Antrim County Michigan Dominion audit.

It is concerning that any test conducted now will be subject to scrubbing or altering of data and equipment.

“Sheriff asks judge to block Michigan order for clerks to delete election data”

https://www.mlive.com/politics/2020/12/sheriff-asks-judge-to-block-michigan-order-for-clerks-to-delete-election-data.html

“Michigan Attorney Gives Behind the Scenes Update on the IT Inspection of the Antrim County Dominion Machines

On November 16, several members of the MI State legislature sent a letter to Michigan’s Democrat Secretary of State Jocelyn Benson requesting that a full, independent audit of the accusations prior to the certification of the vote.  This was after reviewing hundreds of sworn affidavits by GOP and Independent poll challengers and evidence of vote switching by Dominion voting machines in Antrim County, Michigan. The radical Secretary of State, who has a problem with telling the truth, ignored their request.

On November 23, Matthew DePerno of DePerno Law Offices, LLC filed a lawsuit on behalf of Central Lake resident William Bailey, demanding Antrim County allow a forensic investigation of the Dominion voting machines after it was discovered that thousands of ballots cast for President Trump were counted as votes for Joe Biden.”

“At 5:30 PM on Friday, December 4, 13th Circuit Court Judge Kevin A. Elsenheimer granted permission to William Bailey and his team of IT experts to conduct a forensic study of the 16 Dominion voting machines, tabulators, thumb drives, related software, and the Clerk’s “master tabulator.” In his court order, Bailey was also granted the ability to conduct an independent investigation of the images they obtained in their examination. According to DePerno, it would take approximately 6 to 8 hours to obtain the forensic copies, and it made sense to do the work on the weekend when most government employees and residents would not be in the building.”

“Mr. DePerno expects to have the results of the study sometime tomorrow. He explained the forensic images of the thumb drives and the master computer would tell if machines were connected to the internet—and if they were, who were they communicating with? DePerno said the examination would be able to determine the algorithms used by the computer and will provide the number of ballots read through the machine compared to the actual number of paper ballots.”

https://www.thegatewaypundit.com/2020/12/breaking-exclusive-michigan-attorney-gives-behind-scenes-update-inspection-antrim-county-dominion-machines/

Citizen Wells has serious concerns about the current Antrim County audit due to the elapsed time after the election and the distrust of Dominion and election officials.

Thank God Colonel Waldron and his team monitored the election real time and did a follow up on site evaluation in Antrim County.”

https://citizenwells.com/2020/12/08/dominion-voting-systems-documented-fraud-antrim-county-mi-real-time-post-election-tests-22-machine-results-due-tomorrow-ware-county-ga/

Matthew DePerno interview:

 

From Gateway Pundit December 12, 2020.

“In a solidly red county in northern Michigan where Trump banners, flags, and yard signs can be found in almost every front yard, voters woke up to discover Joe Biden had walloped President Trump, only to find out shortly later that Dominion voting machines flipped thousands of votes cast for Trump to his Democratic challenger Joe Biden. The media called it a “glitch” and blamed it on human error.”

“Two more unexplainable vote counts in Antrim County also left voters stunned by the unexplainable outcome of the vote result by Dominion.  In Central Lake’s School Board election, 742 votes were added to the total after a recount on November 6. (First image below)

Dominion’s vote totals showed 663 people voted in a district where there were only 6 eligible voters and only 3 of those 6 actually voted. Somehow, Dominion added 660 additional votes to the final tally.”

“DePerno waited patiently for the results of the forensic examination of the Dominion voting machines to arrive. While he was waiting for the results, Michigan’s radical Attorney General Dana Nessel who won her election after bragging she was the best candidate for the job because she didn’t have a penis, added Michigan’s far-left, dishonest Secretary of State Jocelyn Benson to the lawsuit as a defendant on Wednesday.

On Friday, Constitutional Attorney Matthew DePerno, who is now in possession of the initial preliminary results of the forensic examination of the Dominion voting machine, 16 CV data cards, and 16 thumb drives from the Dominion machines, filed an emergency order asking Judge Kevin Elsenheimer to lift the protective order prohibiting him from sharing the results of the inspection, calling it a matter of “national security.” In his emergency motion, DePerno reminds the judge that time is of the essence, as the deadline for electors to vote for the next President is Monday, December 14, 2020.”

“DePerno asked for the preliminary results of the election to be released to the people of Antrim Co, of the State of MI, of the USA, and to the President and Vice President of the United States, as well as Chad Wolf, Sec. of Homeland Security and DNI John Ratcliff.”

“Later today, Attorney Matthew DePerno received word that 13th Circuit Court Judge Kevin A Elseneheimer would hear his case. Curiously, DePerno, who filed the emergency motion, found out about the hearing when he saw an article published by the far-left Detroit Free Press at 2:13 PM. DePerno then received an email from Antrim County attorney Haider Kazim at 2:50 PM and received notice directly from the Court at 3:02 PM. According to DePerno, the hearing will take place at 8:30 AM EST on Monday.”

You are urged to read more:

https://www.thegatewaypundit.com/2020/12/will-small-county-northern-mi-key-overturning-nations-election-results-america-find-monday/

The guilty dog barks the loudest.

Michigan Attorney General Dana Nessel should be removed from office and prosecuted!

 

 

More here:

https://citizenwells.com/

http://citizenwells.net/

 

 

Hunter Biden laptop pigeonholed (sequestered) in FBI money laundering investigation?, FBI consistently stonewalled release of Trump admin exculpatory info

Hunter Biden laptop pigeonholed (sequestered) in FBI money laundering investigation?, FBI consistently stonewalled release of Trump admin exculpatory info

“Immediately after President Trump won election, opponents inaugurated what they call ‘The Resistance’ and they rallied around an explicit strategy of using every tool and maneuver to sabotage the functioning of the executive branch.” …Attorney General Barr

“Instead of doing so, the government has continued to defy its
constitutional, ethical and legal obligations to this Court and to the defense, and to hide evidence that it knows exonerates Mr. Flynn. As is the essence of the problem here, instead of protecting its citizens, the “government” is protecting its own criminal conduct and operatives.”…Attorney Sidney Powell October

“Ms. Sines’s testimony flatly contradicts the FBI’s claims that (1) it did not investigate matters pertaining to Mr. Rich; (2) it did not examine his computer; and (3) it conducted a “reasonable” search but could not locate any records or communications about Mr. Rich. Specifically, Ms. Sines’s testimony flatly contradicts the affidavit testimony of FBI Section Chief David M. Hardy.”…Attorney Ty Clevenger March 29, 2020

 

We now have proof the FBI was in possession of the Hunter Biden laptop by December 2019.

Why was the exculpatory evidence that proved the Bidens’ guilt and Trump’s innocence kept hidden?

From Fox News October 21, 2020.

“Laptop connected to Hunter Biden linked to FBI money laundering probe

The FBI’s subpoena of a laptop and hard drive purportedly belonging to Hunter Biden came in connection with a money laundering investigation in late 2019, according to documents obtained by Fox News and verified by multiple federal law enforcement officials who reviewed them.”

“Multiple federal law enforcement officials, as well as two separate government officials, confirmed the authenticity of these documents, which were signed by FBI Special Agent Joshua Wilson. Wilson did not immediately respond to Fox News’ request for comment.”

Read more:

https://www.foxnews.com/politics/laptop-hunter-biden-linked-fbi-money-laundering-probe

Why was the information on the Hunter Biden laptop, which was damning for the Bidens and exculpatory for President Trump, not shared during the impeachment or later?

Was it pigeonholed for a legitimate investigation or were the same anti Trump forces at work again?

We have proof positive that the FBI stonewalled time after time on FOIA requests and other requests from Congress etc. Numerous examples are found in the General Flynn case as well as private lawsuits.

The Flynn case can be found here:

https://www.courtlistener.com/docket/6234142/united-states-v-flynn/?page=3

The NY Times filed a lawsuit on October 11, 2019 after their FOIA request to the FBI for correspondence sent or received by Hunter Biden and others was unsuccessful.

https://www.courthousenews.com/wp-content/uploads/2019/10/Hunter-Biden.pdf

From the NY Post September 24, 2020.

“Rep. Jim Jordan wants to know if the FBI is investigating Hunter Biden

A leading Republican congressman demanded Thursday that the FBI reveal whether it’s investigating allegations of “potential criminal activity” by the son of Democratic presidential candidate Joe Biden.

In a two-page letter, House Judiciary Committee Ranking Member Jim Jordan (R-Ohio) called on FBI Director Christopher Wray to write back regarding what he called the “explosive report” released by Republican senators on Wednesday.

“Among other findings, the report documented ‘potential criminal activity relating to transactions among and between Hunter Biden, his family, and his associates with Ukrainian, Russian, Kazakh, and Chinese nationals,’ ” he wrote.

Jordan also said the 87-page report from Senate Homeland Security and Governmental Affairs Committee Chairman Ron Johnson (R-Wisconsin) and Senate Finance Committee Chairman Chuck Grassley (R-Iowa) “shows that the FBI has been aware of some alleged misconduct for years.”

“The FBI suffered from a pattern of misconduct and politicization at the highest levels of the FBI during the Obama-Biden Administration,” he wrote.”

Read more:

https://nypost.com/2020/09/24/jim-jordan-wants-to-know-if-fbi-is-investigating-hunter-biden/

House Report September 23, 2020.

https://www.hsgac.senate.gov/imo/media/doc/HSGAC_Finance_Report_FINAL.pdf

 

More here:

https://citizenwells.com/

http://citizenwells.net/

 

Credit reporting, Insurance companies, Rackets, Credit scores fallacies, Accountability, Transunion, Credit reporting entities create the problem and make money doing it, Consumers are victims

Credit reporting, Insurance companies, Rackets, Credit scores fallacies, Accountability, Transunion, Credit reporting entities create the problem and make money doing it, Consumers are victims

“Well, here we go again. Bank of America, a very large bank based in Charlotte NC is punishing it’s credit card customers for it’s lack of business acumen. This is a prevalent theme in modern day american business. Exorbitant salaries are paid to upper management, with “golden parachutes”, and when they don’t do their jobs properly, who gets punished. The customers and employees. Bank of America has a policy that appears rather arbitrary and unfair. Despite perfect payment records, credit card rates are being jacked up. Despite the fact that there have been recent congressional hearings into credit card companies and banks regarding their practices of affecting FICO scores and raising rates and heightened consumer awareness, Bank of America callously impacts good customers.”…Citizen Wells February 13, 2008

“Golden West Financial (WB), a longtime FICO skeptic, is one of the few mortgage lenders to minimize its use in recent years—and it credits that decision for its below-average mortgage losses.”  “The way we do business is a lot more costly, and cost was a big reason many competitors embraced credit scoring,” he says. “But some of our best borrowers had low FICO scores and our worst had FICO scores of 750.”…Bloomberg February 6, 2008

“Freedom is the freedom to say that two plus two make four. If that is granted, all else follows.”…George Orwell, “1984″

 

 

I did not start Citizen Wells to report so much on Barack Hussein Obama and corruption in our government.

My original intent was to report on injustice in general and our educational system.

One of the areas I would have preferred to address is credit reporting and its impact on the public.

I am very knowledgeable about the subject.

After my lengthy IT career I was involved in small time real estate investments and renovations. As a byproduct of that activity I dealt with a lot of lenders and consequently had to stay on top of my credit report and score.

What I learned during that process was shocking. The total lack of accountability of the major credit reporting agencies, Equifax, Experian and Transunion as well as the companies reporting credit data.

I have owned a cell phone since the early nineties and the cell phone companies were some of the worst at reporting and correcting errors. After getting attorneys involved in one situation and after much time had elapsed, I actually received an apology from one of them. It was their error, I had pointed it out earlier with extensive documentation. Ironically I was sitting in the office of my coastal real estate agent at the time. She had helped with some of the real estate transactions.

My life has changed and I rarely deal with credit issues.

I have one credit card that I use and pay off every month. I just received a credit limit increase from them.

Last year I received a notice from State Farm of a rather large increase to my home owners insurance policy. I called and was informed it affected the entire state. My neighbors recommended Farm Bureau, I went with them and they saved me money on my auto and home owners policy.

I paid for both in advance.

I just received a statement for my auto insurance for 6 months. It went up some.

They pulled my credit report. I have not checked it in a while since I have not borrowed money.

They found a problem and used that as justification for an increase.

I did not authorize having my credit report being pulled.

It turns out that they can anyway.

I did some research.

Under some circumstances they are allowed to. This is a grey area which I will explore further.

So naturally I atempted to get my free credit report.

I was unable to do so. I think I know why now. They have not updated my current address even though I have been living here over 3 years.

Instead of writing them for a copy, in the interest of time I signed up with Transunion for a trial credit monitoring, score and report.

I had no intention of paying them $ 17 per month for this. Back in the day I used one for approx. $ 35 a year. But I needed it then.

I logged on, immediately found some errors and attempted an online dispute. This was not allowed.

I next dialed a number provided. A lady from India or Pakistan (I assume & I should know….IT background). She was difficult to understand (God bless her) and kept asking for my “mailing address.” I kept explaining to her that I had a physical address that I received some mail at and a billing address as well. They had an old billing address and I pointed it out. I finally spoke to a supervisor, apparently also from the area of India. She spoke better English but still didn’t get it. She next wanted to go over every item in the report. I explained that I just wanted to dispute a few. In the past this was done simply online or with a easily understandable human.

I explained that it was their responsibility to keep the information accurate. They did not even have my billing address on file even though they had the credit card info.

At an impasse, I stated that I was extremely dissatisfied with Transunion, nothing personal against her and said goodbye.

I next canceled my Transunion service. The credit report cost $ 1 and saved me some time.

This of course is all a racket and has gotten much worse over the years.

I will next confront Farm Bureau Insurance and explain what has happened. I will ask if they want to get the attorneys involved.

Regardless, I will contact officials of the state of NC and hopefully, with so many republicans in power here, get an appropriate response.

This may take a while.

To be continued.