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02/02/2023

Transparency needed for resources allocated for homelessness
By Lang Martinez
Transparency

As a person who has struggled with homelessness and being a former addict living on the streets, I’ve been active for the last four years as a homeless advocate in Ventura County. We don’t always recognize how a blanket of homeless resources are often misdirected. The public should understand how the most visible people who are unhoused are unable to accept the wealth of outreach and services being offered. Being homeless and being a vagrant are two different sets of problems. They should be treated as such so that resources can be distributed appropriately.

I have an anecdotal opinion about this subject. One example is the government’s Housing First Model. Statistics have already proven that the model has only a 30% success rate for sustaining a person into a permanent housing solution. Regardless of whether a person is experiencing an unhoused situation or if they are living a life of addiction on our streets, the public needs to start questioning how resources are being allocated to reduce the overall impacts homelessness and vagrancy are having on taxpayers. The time has come for a public audit of how the millions of dollars being spent is not making a change for the public good. In my estimation, the funds being allocated to address homelessness lack public scrutiny and transparency.

Another example that begs for better governance is the statewide funding allocated during the pandemic. The state issued millions of dollars for the emergency program Project Room Key. Statistics showed that Los Angeles County had 68,000 homeless individuals with an emergency allocation to house 15,000 people immediately. Studies have come back to show that less than 6,000 people were housed with this emergency funding. I consider this a failure and an indication of how funds are being misused and are not addressing the difference between homelessness and vagrancy. I’m learning from people on the street that in L.A. and Ventura County, there were many unreported incidents of people who died from an overdose or su***de while living in a hotel supplied by the Project Room Key program. It’s a sad commentary for a program that was intended to save lives, when in fact the state of some individuals’ mental health and their substance abuse was either ignored or forgotten.

The homeless situation overall is in crisis. Service providers have exposed that in many cases there are no fundamental outcomes towards resolving the problems impacting the public. Communities are stressed and overwhelmed by the negative impacts of chronic vagrancy. Encampments, trash and unlawful behavior have now become normal, yet remain unacceptable. Federal and state governments continue to allocate millions of dollars into cities, yet nothing is changing. Studies show that a majority of the homeless population in California are refusing or unable to overcome their unhoused situation. Whether it’s addiction, mental health or a combination of both, services today should be focused on aggressive treatment practices and relieving law enforcement and emergency medical responders from having to redundantly care for chronic vagrancy issues.

The public has a right to understand how complex homeless issues are impacting funding initiatives and do not always provide significant changes for the homeless population. The public needs to start asking harder questions directed at funding and programs that use the Housing First model and the results of Project Room Key. The public needs more transparency because finding solutions that work are truly the public’s responsibility. Most if not all homeless services are free. However, we are not seeing any significant return on the public investment to say outcomes are working.

I’m asking the public to start getting involved and understand the complexities associated with homelessness. Many government meetings are available on TV or online. There, the public has access to learn how funding is being approved and being proposed to solve homelessness. At a recent Inter Neighborhood Council meeting for the city of Oxnard, a public speaker asked how the Homeless Services Department intends to address the negative impacts of chronic homelessness. The Housing Director responded with vague phrases versus providing concrete solutions. This clearly demonstrates that governments and service providers struggle with addressing chronic vagrancy and should start thinking about treatment-oriented approaches.

In conclusion, I propose for a public meeting where local governments, community stakeholders, service providers and interested citizens can organize a formal ad hoc committee to evaluate local government funding for homeless services. We already know that millions of dollars have been spent on homelessness over the last five years. Local governments and the service provider community must be held accountable for the taxpayer money being spent to address this public crisis. It’s time for the public to get involved.

Lang Martinez is a homeless advocate. He lives in Ventura County.

Transparency needed for resources allocated for homelessness | Opinion | vcreporter.com
https://www.vcreporter.com/opinion/transparency-needed-for-resources-allocated-for-homelessness/article_218a149c-a28f-11ed-bd10-631a9b7149af.html

Photos from 123CreditFixed's post 05/20/2022

"THE NECESSITY FOR EXCELLENT CREDIT CANNOT BE OVERSTATED"

123CreditFixed: HOW TO IMPROVE YOUR CREDIT SCORE

A good FIRST step is to get a FREE copy of your credit report and score so you can understand what is in your credit file. Next, focus on what is bringing your score down and work toward improving these areas.

HERE ARE SOME COMMON STEPS YOU CAN TAKE TO INCREASE YOUR CREDIT SCORE!

1.PAY YOUR BILLS ON TIME: Because payment history is the most important factor in making up your credit score, paying all your bills on time every month is critical to improving your credit.

2.PAY DOWN DEBT:Reducing your credit card balances is a great way to lower your credit utilization ratio, and can be one of the quickest ways to see a credit score boost.

3. MAKE ANY OUTSTANDING PAYMENTS: If you have any payments that are past due, bringing them up to date may save your credit score from taking an even bigger hit.

4.LATE PAYMENT INFORMATION IN CREDIT FILES,:include how late the payment was—30, 60 or 90 days past due—and the more time that has elapsed, the larger the impact on your scores.

5.DISPUTE INACCURATE INFORMATION ON YOUR CREDIT REPORT:Mistakes happen, and your scores could suffer because of inaccurate information in your credit file. Periodically monitor your credit reports to make sure no inaccurate information appears. If you find something that's out of place, initiate a dispute as soon as possible.

6.LIMIT NEW CREDIT REQUESTS:Limiting the number of times you ask for new credit will reduce the number of hard inquiries in your credit file. Hard inquiries stay on your credit report for two years.

CALL TODAY FOR A FREE CONSULTATION AND SIGN UP FOR A CREDIT REPAIR PACKAGE & GET A SECOND CREDIT REPAIR PACKAGE @ HALF PRICE

WE CAN HELP REMOVE:

LATE PAYMENTS
COLLECTIONS
CHARGE-OFFS
IDENTIFY THEFT
INQUIRIES
FRAUD
INCORRECT PERSONAL INFORMATION
CLOSED ACCOUNTS
NEGATIVE SETTLEMENTS

POMEDOS QUITAR:

PAGOS TARDES
COLECCIONES
LAS ANULACIONES
ROBO DE IDENTIDAD
INVESTIGACIONES DE CREDITO
FRAUDE
INFORMACIA PERSONAL INCORRECTA
CUENTAS CERRADAS
ASENTAMIENTO NEGATIVOS

LET US HELP FIX YOUR CREDIT TODAY FOR A BETTER TOMORROW!

CALL TODAY FOR A FREE CONSULTATION Call 805 385-1100 or email [email protected]

Photos from 123CreditFixed's post 05/02/2022

ABOUT US
123CreditFixed has been serving the residents of Ventura County and the surrounding counties for over 20 years.

We have worked hard over the years to perfect our level of service and provide real solutions for our clients.

At 123CreditFixed we know everyone’s personal life story is different, so we take a unique approach to each credit file when planning a strategy to remove negative items from your credit report; No cookie cutter or one size fits all boilerplate letters.

Our Credit Specialist Team at 123CreditFixed understands the value and the necessity of having an excellent credit score so we strategize and fight to increase your credit score by every point possible.

Even if you're not in the market for a home or a new car, your credit score determines how much you pay in interest on credit cards, what kind of job you can get, how much you pay for insurance.

Traditionally your credit score was solely used by lenders to determine the risk of extending you credit and the interest rates that you would have to pay. Today your credit score is used for much, much more. In fact, your credit score determines who you are as a human being. Sad, isn't it?

The necessity for excellent credit cannot be overstated.123CreditFixed specializes in helping you understand credit as well as your financial situation. Whether it's helping to negotiate a lawsuit that has been filed against you or negotiating your unsecured debt, 123CreditFixed works with you every step of the way.

WE CAN HELP REMOVE:

LATE PAYMENTS
COLLECTIONS
CHARGE-OFFS
IDENTIFY THEFT
INQUIRIES
FRAUD
INCORRECT PERSONAL INFORMATION
CLOSED ACCOUNTS
NEGATIVE SETTLEMENTS

POMEDOS QUITAR:

PAGOS TARDES
COLECCIONES
LAS ANULACIONES
ROBO DE IDENTIDAD
INVESTIGACIONES DE CREDITO
FRAUDE
INFORMACIA PERSONAL INCORRECTA
CUENTAS CERRADAS
ASENTAMIENTO NEGATIVOS

LET US HELP FIX YOUR CREDIT TODAY FOR A BETTER TOMORROW!

CALL TODAY FOR A FREE CONSULTATION Call 805 385-1100 or email [email protected]

Photos from 123CreditFixed's post 04/26/2022

123CreditFixed: WHAT CAN HURT YOUR CREDIT SCORES

Certain core features of your credit file have a great impact on your credit score, either positively or negatively. The following common actions can hurt your credit score:

MISSING PAYMENTS. Payment history is one of the most important aspects of your FICO® Score, and even one 30-day late payment or missed payment can have a negative impact.

USING TO MUCH AVAILABLE CREDIT. High credit utilization can be a red flag to creditors that you're too dependent on credit. Credit utilization is calculated by dividing the total amount of revolving credit you are currently using by the total of all your credit limits. Lenders like to see credit utilization under 30%—under 10% is even better. This ratio accounts for 30% of your FICO® Score.

APPLYING FOR A LOT OF CREDIT IN A SHORT PERIOD. Each time a lender requests your credit reports for a lending decision, a hard inquiry is recorded in your credit file. These inquiries stay in your file for two years and can cause your score to go down slightly for a period of time. Lenders look at the number of hard inquiries to gauge how much new credit you are requesting. Too many inquiries in a short period of time can signal that you are in a dire financial situation or you are being denied new credit.

DEFAULTING ON ACCOUNTS.The types of negative account information that can show up on your credit report include foreclosure, bankruptcy, repossession, charge-offs, settled accounts. Each of these can severely hurt your credit for years, even up to a decade.

WE CAN HELP REMOVE:

LATE PAYMENTS
COLLECTIONS
CHARGE-OFFS
IDENTIFY THEFT
INQUIRIES
FRAUD
INCORRECT PERSONAL INFORMATION
CLOSED ACCOUNTS
NEGATIVE SETTLEMENTS

POMEDOS QUITAR:

PAGOS TARDES
COLECCIONES
LAS ANULACIONES
ROBO DE IDENTIDAD
INVESTIGACIONES DE CREDITO
FRAUDE
INFORMACIA PERSONAL INCORRECTA
CUENTAS CERRADAS
ASENTAMIENTO NEGATIVOS

LET US HELP FIX YOUR CREDIT TODAY FOR A BETTER TOMORROW!

CALL TODAY FOR A FREE CONSULTATION Call 805 385-1100 or email [email protected]

Photos from 123CreditFixed's post 04/22/2022

"REMEMBER THE NECESSITY FOR EXCELLENT CREDIT CANNOT BE OVERSTATED"

CALL TODAY FOR A FREE CONSULTATION AND SIGN UP FOR A CREDIT REPAIR PACKAGE & GET A SECOND CREDIT REPAIR PACKAGE @ HALF PRICE

123CreditFixed: HOW TO IMPROVE YOUR CREDIT SCORE

A good first step is to get a FREE copy of your credit report and score so you can understand what is in your credit file. Next, focus on what is bringing your score down and work toward improving these areas.

HERE ARE SOME COMMON STEPS YOU CAN TAKE TO INCREASE YOUR CREDIT SCORE!

1.Pay your bills on time. Because payment history is the most important factor in making up your credit score, paying all your bills on time every month is critical to improving your credit.

2.Pay down debt. Reducing your credit card balances is a great way to lower your credit utilization ratio, and can be one of the quickest ways to see a credit score boost.

3.Make any outstanding payments. If you have any payments that are past due, bringing them up to date may save your credit score from taking an even bigger hit.

4.Late payment information in credit files include how late the payment was—30, 60 or 90 days past due—and the more time that has elapsed, the larger the impact on your scores.

5.Dispute inaccurate information on your report. Mistakes happen, and your scores could suffer because of inaccurate information in your credit file. Periodically monitor your credit reports to make sure no inaccurate information appears. If you find something that's out of place, initiate a dispute as soon as possible.

6.Limit new credit requests. Limiting the number of times you ask for new credit will reduce the number of hard inquiries in your credit file. Hard inquiries stay on your credit report for two years.

WE CAN HELP REMOVE:

LATE PAYMENTS
COLLECTIONS
CHARGE-OFFS
IDENTIFY THEFT
INQUIRIES
FRAUD
INCORRECT PERSONAL INFORMATION
CLOSED ACCOUNTS
NEGATIVE SETTLEMENTS

POMEDOS QUITAR:

PAGOS TARDES
COLECCIONES
LAS ANULACIONES
ROBO DE IDENTIDAD
INVESTIGACIONES DE CREDITO
FRAUDE
INFORMACIA PERSONAL INCORRECTA
CUENTAS CERRADAS
ASENTAMIENTO NEGATIVOS

LET US HELP FIX YOUR CREDIT TODAY FOR A BETTER TOMORROW!

CALL TODAY FOR A FREE CONSULTATION Call 805 385-1100 or email [email protected]

Photos from 123CreditFixed's post 04/12/2022

CALL TODAY FOR A FREE CONSULTATION AND SIGN UP FOR A CREDIT REPAIR PACKAGE & GET A SECOND CREDIT REPAIR PACKAGE @ HALF PRICE

Remember the necessity for excellent credit cannot be overstated.123CreditFixed specializes in helping you understand credit as well as your financial situation. Whether we are helping you to negotiate because of a lawsuit that has been filed or negotiating your unsecured debt 123CreditFixed works with you every step of the way.

WE CAN HELP REMOVE:

LATE PAYMENTS
COLLECTIONS
CHARGE-OFFS
IDENTIFY THEFT
INQUIRIES
FRAUD
INCORRECT PERSONAL INFORMATION
CLOSED ACCOUNTS
NEGATIVE SETTLEMENTS

POMEDOS QUITAR:

PAGOS TARDES
COLECCIONES
LAS ANULACIONES
ROBO DE IDENTIDAD
INVESTIGACIONES DE CREDITO
FRAUDE
INFORMACIA PERSONAL INCORRECTA
CUENTAS CERRADAS
ASENTAMIENTO NEGATIVOS

LET US HELP FIX YOUR CREDIT TODAY FOR A BETTER TOMORROW!

CALL TODAY FOR A FREE CONSULTATION @ 805 385-1100 or email us if you have a question @ [email protected]

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300 S. 5th Street Suite F
Oxnard, CA
93030

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