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Tuesday, June 23, 2009

Rep. Cushingberry fights for Consumer Credit Dignity with House Bill 4330 of the 2009 Session.

Representative Cushingberry is co-sponsoring House Bill 4330, legislation to allow consumers to take legal action against Credit Reporting Agencies who continually report negative credit information in an unjust manner. Instead of playing mail and phone tag with arrogant and un-cooperative credit representatives, a consumer can bring action in a Michigan District Court to adjudicate the matter.

House Bill 4330 is designed to be a friend to the consumer who of no fault of their own lost their job, death in the family, divorce and other reasons that credit information becomes negative. The text of the bill is as follows:
SEC. 8309. (1) A CONSUMER MAY BRING AN ACTION IN THE DISTRICT COURT AGAINST A CONSUMER REPORTING AGENCY FOR AN INCOMPLETE OR INACCURATE ITEM OF INFORMATION CONTAINED IN THE CONSUMER'S FILE AT THE CONSUMER REPORTING AGENCY. AN ACTION MAY NOT BE COMMENCED UNDER THIS SUBSECTION UNLESS THE PROCEDURE FOR RESOLVING DISPUTES CONCERNING THE COMPLETENESS OR ACCURACY OF SUCH ITEMS OF INFORMATION UNDER SECTION 611 OF THE FAIR CREDIT REPORTING ACT, 15 USC 1681I, HAS BEEN COMPLETED.

In order for a consumer to take an action, the consumer must exhaust all remedies and procedures under the United States Fair Credit Reporting Act. When the consumer goes to District Court and receives a favorable judgment, the consumer reporting agency has 10 days to remove the information or face fines and contempt of court charges. The sponsors of this bill have the consumer’s financial best interest at heart.

Representative Cushingberry and Primary Sponsor Fred Durhal are active when it is an issue of consumer protection of our constituents. If you are in support of this legislation, The Friends would like you to take the time to e-mail and call your State Representative in Lansing and the sponsors of the bill expressing your support to make it the law of the land.

A Full reading of the bill can be seen here when you (click here).


Primary Sponsor
Rep. Fred Durhal. FredDurhal@house.mi.gov

Co-Sponsors:
Bob Constan bobconstan@house.mi.gov
George Cushingberry georgecushingberry@house.mi.gov
Robert Dean robertdean@house.mi.gov
Bert Johnson bertjohnson@house.mi.gov
Fred Miller fredmiller@house.mi.gov
Joel Sheltrown joelsheltrown@house.mi.gov
Rashida Tlaib RashidaTlaib@house.mi.gov
Coleman Young colemanayoungii@house.mi.gov

Sunday, June 14, 2009

The Obama Administration and Census 2010: A commitment to reverse the act of "Digital Injustice" by undercounting citizens.

Now that the Obama Administration has decided to move this department to a Cabinet Level position, extra attention will be paid to processes that determine the “final” number count.

Since the 1960's the census has undercounted cities and counties by %3 to %14 percent. A traditional method used against a city is the definition of a home or a structure. You may know that there are some boarders who are occupying a home in the neighborhood. The census has a map of your neighborhood and knows that something is there. Your neighbors all agree that someone is living there and have proof by looking at them everyday going in and out of the home.

When the Census Takers come through the neighborhood, they count that home and the people in there. As the numbers are passed up through the chain of processing, someone decides that the home is not a structure and those numbers are removed from the final count. The City loses out on the count because some Washington appointed bureaucrat decided that it should happen like that.


With the Obama Administration elevating the Census to a Cabinet level position, more attention will be paid to the processing of information. Even more intriguing, the administration will have final say over the analysis of the information. This effort will require that citizens that have technology skills are essential to the achievement of fair counting of Cities in our Country.

Just imagine people like Senator Trent Lott of Mississippi as the Chief Information Officer for the Census with a staff full of database administrators and computer programmer/analysts who think like him. This man believes that segregation in the 1960’s would have been better for America. Dr. Martin Luther King would have been in a Guantanamo Style prison and Nelson Mandela would still be in Jail. The applications that the staff would design would count citizens as darkies with other ethnic categories to dilute the true count of people. They would add other ethnic categories and, add so many variables that by the time the data was official, you would have an undercount/over count situation.

The following table shows what Detroit’s 2000 Census Population would have looked like based on the adjustment correction of 3 to 14 percent. (Note at a %6 adjustment, Detroit’s reported population of 951,270 would have been 1,008,346)

Table 1 Detroit 2000 Census Figures Adjusted %3 to %14.


Pct. Population
0% 951,270
3% 979,808
4% 989,321
5% 998,834
6% 1,008,346
7% 1,017,859
8% 1,027,372
9% 1,036,884
10% 1,046,397
11% 1,055,910
12% 1,065,422
13% 1,074,935
14% 1,084,448




(Source 2000 Census – click here to go to US Census Bureau data for Detroit)

Resources would be re-directed to populations that would be inflated for the purpose of weakening the voting voice and the financial resources of a group of people. Gerrymandering is the establishment of state and federal congressional boundaries to give one party a voting advantage over another. For example the Michigan’s US 8th congressional district includes the area of Lansing, Clinton County, Livingston County and, parts of Shiawassee and northern Oakland County. (Click here to view map of Michigan's 8th congressional district). You end up with congress people who consistently vote against President Obama and do not have to worry about losing an election. The resulting damage appears in the area of race, finance and economics. The continuation of this process will contribute to a 21st century style depression that will cause massive damage to the national security of America.

We at the Friends of Cushingberry are calling for total transparency of the Census process. This will include the fair processing of data using accountable and certified methods and procedures. The advance of technology and the improved processes from the 1900s makes the actual process of counting citizens obsolete. However, the process has a purpose because it can be used as a benchmark to determine the accuracy of collected data from 3rd party sources like moving companies, utility companies, and private businesses.

Herman Hollerith was a former Census Bureau employee who quit government work and founded IBM. Every punch card and mainframe was the result of a birth of an idea to improve a process. With President Obama elevating the Census to a Cabinet level Agency, technology and accountability will take on an increased importance to citizens of Michigan. Our final word for today is that the Census is hiring! (Click here to apply) The President and Rep. Cushingberry are urging all city and county residents to apply for jobs with the US Census Bureau today. Your community’s future depends on it.

Sunday, June 7, 2009

Reprocessed Waste Saves Money and Clears the Air Space.

Meloganite is a by-product of processed solid human waste. The largest producers of material are municipal water sewage systems. The City of Detroit has been collecting solid waste from citizens and burning it in a large incinerator for years. By converting this process to a Meloganite re-processing operation, a municipality can generate revenue for development and maintenance of their community.


The final product can be packaged and sold as fertilizer for people to use on their lawns and gardens. For example the city of Milwaukee Wisconsin currently sells their Meloganite at retail outlets like Home Depot and Menards. With all of the available and abundant land in the State of Michigan due to foreclosures and abuse of financial bearing products by hedge fund managers, Meloganite will help restore the land for producing food, medicine, and better looking lawns for property owners.


House Appropriations Chairman Rep. George Cushingberry Jr(D-08) and Agriculture Chairman Rep. Mike Simpson(D-65) urge Mayor Bing to stop burning solid waste and spare the citizens health from polluting the air with cancer causing carcinogens. Therefore we are urging Mayor Bing to complete the contract to send solid waste to Michigan agricultural applications instead of burning it in the Detroit incenary. Air quality is a priority and the completion of this action would help end the pollution of our environment.

Meloganite equals a new word($) for an old turd.

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