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An Opaque Web of Credit Reports Is Tracking Everything You Do
Liam Downey remembers the first time he heard about ChexSystems. It was December 2021, not long after he moved to Mancos, Colorado, a tiny mountain hamlet with a population under 1,500.
The only bank in town had just barred the 52-year-old flight paramedic from opening an account because his so-called ChexSystems score was too low. The teller gave him the contact information of the agency but not much else. He walked out of the bank perplexed.
ChexSystems, as Downey would soon find out, is a national consumer reporting agency — abbreviated CRA — that specializes in gathering data on how Americans use checks and bank accounts. It distills this information into a score similar to a credit score. Some 80% of banks rely on such information to screen people who want to open new accounts.
On a scale of 100 to 899, Downey’s ChexSystems score was 553. As far as the sole bank in Mancos was concerned, those three digits — regardless of his 15-year-long relationship with his current out-of-state bank — meant he was too risky to take on as a customer.
“I think this is complete nonsense,” Downey says of the reporting system. “People don’t even recognize it exists. It’s not easy to interpret, it’s not easy to change, and it’s completely arbitrary.”
Critics of ChexSystems note the agency generally tracks only negative information like account closures and overdrafts, essentially making it a bank-account rap sheet. The company is just one of a large — and largely unknown — sum of CRAs that actively monitors the financial and nonfinancial behavior of more than 200 million Americans, including many children.
Sweden’s Psychological Defense Agency: Good disinformation is “basically true”
There is no doubt that Russia, like any other major – and minor – power uses some form of propaganda and disinformation to further its goals, especially in wartime.
What’s difficult to gauge, at least at this time, is how applicable that may be in the current crisis: is Russia really trying to “exploit polarization and sow division,” in countries like Sweden, for example?
But what the fear of Russian disinformation – or apparent fear of it – has clearly managed is to make some state bodies, like Sweden’s Psychological Defense Agency, part ways with basic logic – and not be afraid to admit it to the world.
Hence, some of what is labeled as “disinformation” by this agency whose goal is to bolster the Swedes’ “moral fortitude” includes information that “is actually not false” and is even, “basically true.”
“War is peace. Freedom is slavery. Ignorance is strength,” Orwell wrote.
Body Found in Tennessee Confirmed as Missing Heiress Eliza Fletcher
Memphis police confirmed Tuesday that they found the remains of teacher Eliza “Liza” Fletcher, who was reportedly abducted last week
The police department wrote on Twitter that “the deceased victim that was located yesterday in the 1600 block of Victor [street] has been identified as 34-year-old Eliza Fletcher, a teacher who was also the heiress to the Orgill Inc. hardware fortune.
The development comes after Cleotha Abston, a 38-year-old male, was charged in connection to Fletcher’s kidnapping and with tampering with evidence. His DNA was found on a pair of sandals near her disappearance, police said.
Authorities wrote Tuesday that Abston now faces additional charges, including first-degree murder and first-degree murder in perpetration of kidnapping. Previously he was charged with aggravated kidnapping and evidence.
Watch it unfold in real time!
Prominent Investigative Reporter Who Spearheaded Coverage of 2017 Las Vegas Massacre Found Dead Outside His Home
Las Vegas Review-Journal investigative reporter Jeff German was found stabbed to death outside of his home over the weekend and his killer remains at large.
Newsroom colleagues mourned his passing.
“The Review-Journal family is devastated to lose Jeff,” Executive Editor Glenn Cook said, according to the Las Vegas Review-Journal. “He was the gold standard of the news business. It’s hard to imagine what Las Vegas would be like today without his many years of shining a bright light on dark places.”
German was noted for a wide range of investigative reports about crime in Las Vegas, and also took a lead role in the Review-Journal’s coverage of the 2017 Las Vegas mass shooting.
Police said they were devoting maximum resources to find a suspect in the German slaying.
The Ukraine Proxy War Has Been A Propaganda Win For Interventionists
Neocon erotica publication The Atlantic has a new article out titled “The Rise of the Liberal Hawks” which is infuriating as much for its sycophantic empire apologia as it is for the fact that much it is entirely correct.
“Progressives typically see war as inherently murderous and dehumanizing — sapping progress, curtailing free expression, and channeling resources into the ‘military-industrial complex,’” sneers the article’s author, Dominic Tierney. “The left led the opposition to the Vietnam War and the Iraq War and condemned American war crimes from the My Lai massacre to Abu Ghraib. Historically, progressive critics have charged the military with a litany of sins, including discrimination against LGBTQ soldiers and a reliance on recruiting in poor communities.”
“Then came Russia’s invasion of Ukraine,” writes Tierney. “No foreign conflict since the Spanish Civil War has so captured the imagination of the left.”
“Russian President Vladimir Putin is the antithesis of everything the left stands for,” Tierney adds. “Not only did he launch an unprovoked attack on a sovereign democratic nation, but he has also disparaged LGBTQ rights, multiculturalism, and immigration, and claimed that ‘the liberal idea’ has ‘outlived its purpose.’ Zelensky, in contrast, has built bridges with the global left. He addressed the Glastonbury music festival, in the U.K., where the revelers chanted his name to the tune of The White Stripes’ ‘Seven Nation Army.’ In Germany, the Green Party led the charge to supply weapons to Kyiv, overturning decades of German wariness about intervening in foreign wars. LGBTQ protesters in Berlin also demanded that Germany step up arms shipments to Ukraine, so that a Pride parade can, one day, be held in the Russian-occupied city of Mariupol. Ukrainian liberals—artists, translators, teachers, filmmakers—have joined the struggle. As one writer put it: ‘All our hipsters in Ukraine fight.’”
Who Benefits From US Government Claims That The UFO Threat Is Increasing “Exponentially”?
A US senate report which is an addendum to the Intelligence Authorization Act for Fiscal Year 2023 has people talking due to the surprising statements it includes about the US government’s current position on UFOs.
I mean Unidentified Aerial Phenomena.
I mean Unidentified Aerospace-Undersea Phenomena.
This latest moniker for the thing we all still think of as UFOs is the US government’s way of addressing how these alleged appearances, which began entering mainstream attention in 2017, are said to be able to transition seamlessly from traveling through the air to moving underwater in what’s been labeled “cross-domain transmedium” movement. Because branches of the US war machine are roughly broken up into forces specializing in air, sea, land and space operations, the notion that these things move between those domains gets special attention.
UFO enthusiasts are largely focusing on a part of the addendum which oddly stipulates that the government’s newly named Unidentified Aerospace-Undersea Phenomena Joint Program Office shall not be looking into objects “that are positively identified as man-made,” because of the obvious implications of that phrase. This is understandable; if you’ve got a government office that’s responsible for investigating unidentified phenomena, you can just say it won’t be looking into phenomena that are “positively identified”. You wouldn’t have to add “identified as man-made” unless you had a specific reason for doing so.
But for me the claim that really jumps off the page, authored by Senate Select Committee on Intelligence Chairman Mark Warner, is the claim that these unidentified aerospace-undersea phenomena are a “threat” that is increasing “exponentially”.
“At a time when cross-domain transmedium threats to United States national security are expanding exponentially, the Committee is disappointed with the slow pace of DoD-led efforts to establish the office to address those threats,” Warner writes in the report.
“Exponentially” is a mighty strong word. Taken in its least literal sense, it means that threats to US national security from UFOs are increasing at an alarmingly rapid rate. That they have swiftly become much greater than they used to be.
What is the basis for this incendiary claim? What information are US lawmakers being given to make them draw such conclusions and make such assertions? There’s a long chain of information handling between an alleged UFO encounter and a US senator’s pen, and corruption can occur at any point in that chain (including the first and last link).
Embalmers Have Been Finding Numerous Long, Fibrous Clots That Lack Post-Mortem Characteristics
Several embalmers across the country have been observing many large, and sometimes very long, “fibrous” and rubbery clots inside the corpses they treat, and are speaking out about their findings.
Numerous embalmers from different states confirmed to The Epoch Times that they have been seeing these strange clots, starting from either 2020 or 2021.
It’s not yet known if the cause of the new clot phenomenon is COVID-19, vaccines, both, or something different.
The Epoch Times received additional videos and photos of the anomalous clots, but could not upload them due to the level of gore.
Mike Adams, who runs an ISO-17025 accredited lab in Texas, analyzed clots in August and found them to be lacking iron, potassium, magnesium, and zinc.
Adams’s lab uses inductively coupled plasma mass spectrometry (ICP-MS), triple quadrupole mass spectrometer, and liquid chromatography-mass spectrometry, usually testing food for metals, pesticides, and glyphosate.
“We have tested one of the clots from embalmer Richard Hirschman, via ICP-MS. Also tested side by side, live human blood from an unvaccinated person,” Adams told The Epoch Times.
He found that the clots are lacking key elements present in healthy human blood, such as iron, potassium, and magnesium, suggesting that they are formed from something other than blood.
Hate Hoax In Germany: Green Politician Resigns After Inventing Nazi Death-Threats Against Himself
The alleged death threats from neo-Nazis against Green politician Manoj Subramaniam have made headlines across Germany and led to tension in North Rhine-Westphalia, Germany’s largest state by population. However, the councilor from Erkelenz staged the various threats in an elaborate scheme, according to the result of an investigation published by the public prosecutor’s office.
The 33-year-old, whose parents immigrated from Sri Lanka, had submitted numerous complaints.
First, his car windows were smashed, and swastikas sprayed on the vehicle.
Another time, he claimed SS runes and a swastika were drawn on the doorbell of his house.
Then, he revealed that a swastika was scrawled on the sidewalk in front of his apartment and that he found razor blades in the mail.
The politician also received death threats signed by NSU 2.0, referring to the National Socialist Underground (NSU) group that committed a number of murders across Germany for years.
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