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Disputing credit report errors

Your credit report. It’s not terribly exciting, but it could keep you from enjoying some of life’s most exciting milestones: Buying a car. Owning a home. Even getting a new job.

So it’s important to check in on your credit every once in a while. You want to know where you stand. And you also want to watch out for credit report errors.

To find and dispute errors on your credit report, you’ll first need to obtain a copy of it.

You’ll see a lot of websites and advertisements boasting free credit reports and scores. The only one that’s truly free, no strings attached? AnnualCreditReport.com.

By law, you’re entitled to a free copy of your report from each of the three credit bureaus each year. That’s TransUnion, Equifax and Experian.

Let’s say you get a copy of your report, and everything looks clean. Well, then you’re good to go! But what if you spot an error? Here’s what you should do.

Step two: Dispute errors. You’ll need to write a letter to the bureau telling them what information is inaccurate. You can find a sample letter on CreditCards.com.

Don’t use the online form provided by the bureau – it limits how much proof you can attach, and may require you to sign away some of your rights.

Here’s what your correspondence should include: Copies of documents that prove your claim. A clear identification of the error. State the facts, briefly and simply, and request a deletion or correction. You may also want to include a copy of your credit report.

Step three: Keep records. Once your letter is written, keep a copy. If you’re mailing it, send it certified and keep the receipt.

Once your letter is received, the bureaus have to reinvestigate the items in question, usually within 30 days. They’ll also notify the party holding the error. That might be a bank or lender, for example.

If there is an error, all credit bureaus will be notified, so your report can be updated. If your report’s been changed, you’ll get another free copy of it.

And, if your report is updated, you can request the bureaus to send correction notices to anyone who’s pulled your report in the past six months. If your dispute is denied, you may add a 100-word statement to your report, describing your side of the dispute.

It’s worth it to periodically check your credit report. If you do spot an error, you’ll want to tackle it as soon as you can. Kristin Wong, CreditCards.com.
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How to fix errors on a Credit Report

Finding out you have an error on your Credit Report is a very bad feeling. However, trying to contact the credit bureaus and work with them in a logical sense is even greater madness. Mr Credit explains how the system works and what you need to do if you want to tackle it on your own. Free advice from Mr Credit.
http://mrcredit.org

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How to pull your free Experian credit report: www.experian.com/help

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Federal Real estate Authority Approves Prepaid Credit report For Residence Purchasers

3 credit bureaus
by Chris Devers FHA approves pre-paid debt

card background. FHA looks for a minimum of 12 month credit rating on non-traditional credit rating. Cord, smart phones, land line phones, lease, get below pay here vehicle loan, rent to own, occupants insurance policy, car insurance policy any point that you spent for YEAR or more.

Pre-paid bank card enable you to establish expense payment with all above. All payments need to be paid in a timely issue to qualify. Pre paid charge card reports to the debt bureau on non-traditional credit background if you enroll in the program. Yet remember it will likewise report unexpected settlements also.

FHA needs minimum of 3.5% deposit with appropriate credit rating. But some loan can originate from gifts or grants. All collections have to be paid in complete. Just enabled to have actually 1 contested financial institution sometimes of application. Documents has to be attended to disputed financial institution.

There is no minimal credit rating score demand, contending the very least 620 rating or higher will make you an extra serious residence purchaser to obtain approved. You also won’t be automatically invalidated if you have a bankruptcy or repossession if sufficient time has actually passed.

FHA likewise enables you to acquire a multifamily home as a resident and also the 3.5% still uses. This aids to lift several of the worry off the a home owner. If you acquire the home with a lessee and 12 lease holds. Rental earnings is included in your income in order to help with your financial obligation to income ratio.

All homes will certainly call for a home assessments on all FHA home loan. Which helps see unpredicted issues in the future. The objective is that the property owner will certainly not have to go in making repair works after closing. This is in the ideal interest for the home purchaser as well as the lending institution. Vendors makes fixings prior to closing.

The government tax credit report due date has passed needing customers to have a residence under agreement by April 30 has included to the appeal of FHA Loans. Providing low down payment, adaptable underwriting, and also more forgiving credit scores demands, FHA loans help very first time as well as modest earnings purchasers with budget-friendly house financing options.

FHA standards are developed to offers much more leniency for assessing each borrowers require. Where Fannie Mae & & Freddie Mac doesn’t provide adaptability for borrowers scenarios.

Obtain a duplicate of your debt record from all 3 credit scores bureaus to see where you should begin. You will certainly be amazed what may get on your credit score record. If you have no credit scores obtain prepaid credit cards and start paperwork on repayment background. Contact a Home loan lending institution to figure out your choices. What should be done to prepare your self to buy a home.

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A few great annual credit report gov pictures i came across:

JAXPORT Welcomes Disney
annual credit report gov
Image by JAXPORT
Disney services and products to be sent through TraPac Container Terminal
Gov. Scott lauds move to deliver Florida cargo in through condition seaport

Jacksonville, FL, Summer 19, 2012 – The Jacksonville Port Authority (JAXPORT), Mitsui O.S.K. Lines (MOL) and TraPac announced these days that Walt Disney Parks and Resorts has started importing a lot of the merchandise headed to its Central Florida areas through JAXPORT’s TraPac Container Terminal at Dames aim, a change that underscores the port’s developing attractiveness to shippers while also supporting statewide efforts to move Florida cargo through Florida seaports.

The move additionally reflects the significance of MOL’s investment in JAXPORT and dedication to Jacksonville. The Tokyo-based delivery organization opened its 0 million, state-of-the-art TraPac Container Terminal at Dames Point in 2009. TraPac could be the U.S. terminal running supply of MOL.

Florida Governor Rick Scott and Lt. Governor Jennifer Carroll joined up with Jacksonville Mayor Alvin Brown, JAXPORT CEO Paul Anderson, Florida Chamber of Commerce President and CEO Mark Wilson and MOL (America) vice-president Dennis Sheehan in welcoming special friends from Walt Disney Parks and Resorts, U.S., Senior vice-president and Chief Financial Officer Anthony Connelly, and surprise guest Mickey Mouse to your TraPac docks for announcement.

This is actually the first time products headed for purchase at Walt Disney World Resort in Central Florida will come through Jacksonville. The move reflects the efficiencies and value effectiveness of going cargo through JAXPORT and plays a role in a coordinated drive to create Florida-bound goods through Florida’s harbors.

“This is exactly what many of us in Florida desire,” said JAXPORT CEO Paul Anderson. “We desire the merchandise our Florida people and site visitors buy earned through our harbors, perhaps not brought by truck or train from somewhere out-of-state. Step by step, one container at any given time, we have been trying to deliver the jobs and dollars which come together with the motion of these products back where they belong. Shippers, importers and exporters round the globe—and today one of several world’s most beloved brands—are acknowledging that individuals offer an alternative solution within Jacksonville that makes great company good sense.”

“A big part of our dedication to Jacksonville is share the huge benefits associated with growth in our amounts with all the region in addition to condition,” said Dennis Sheehan, MOL (America) vice-president. “This is a partnership, along with of us performing our part which will make business gains which then result in chance of everybody.”

“Bringing a lot of our Florida-bound cargo through Jacksonville is the result of the port’s ongoing enhancement attempts,” said Anthony Connelly, Senior vice-president and Chief Financial Officer for Walt Disney Parks and Resorts, U.S. “This isn’t just a smart company decision but will even allow united states to carry on to create in the positive effect we’ve on Florida’s economy. These days, the economic activity created by Walt Disney Parks and Resorts accounts for 2.5 % our state’s gross domestic product and multiple out of every 50 tasks in Florida.”

“As we still work each day to make sure that Florida may be the # 1 state for business, we have been witnessing increasingly more research that Florida’s economic climate is headed in right path,” Governor Scott stated. “Disney’s choice to start shipping items through JAXPORT is welcome development and we’ll continue steadily to concentrate on enhancing Florida’s harbors therefore much more businesses will elect to work within condition.”

Disney joins an increasing list of companies which have shifted company to benefit from JAXPORT’s efficient services, while they strive to better offer the developing customer market inside southeast U.S. That list includes: Rooms going, Michael’s Stores, Haverty’s Furniture, Coach, Bridgestone, PSS World health, Sears, Samsonite, Maxwell home and Unilever.

The Florida Chamber Foundation’s 2010 Trade and Logistics Study discovered that 53percent of Asian imports to Florida had been becoming shipped in during of condition ports. The report also identified a lot more than 8 million tons of Asian imports that were trans-loaded and shipped as domestic cargo into Florida.

JAXPORT is an independent company accountable for the introduction of public seaport facilities in Jacksonville. JAXPORT is the owner of three cargo services and a cruise terminal. According to a 2009 research, Jacksonville’s interface makes 65 thousand jobs and more than billion in annual economic influence for the North Florida region.

For informative data on:
The Jacksonville Port Authority please go to www.jaxport.com
MOL www.molpower.com
TraPac www.trapac.com
Walt Disney Parks and Resorts www.disneyparks.com.

Picture credit: JAXPORT, Meredith Fordham Hughes

JAXPORT Welcomes Disney
annual credit history gov
Image by JAXPORT
Disney services and products to-be sent through TraPac Container Terminal
Gov. Scott lauds relocate to deliver Florida cargo in through condition seaport

Jacksonville, FL, Summer 19, 2012 – The Jacksonville Port Authority (JAXPORT), Mitsui O.S.K. Lines (MOL) and TraPac revealed today that Walt Disney Parks and Resorts has started importing all of the product headed to its Central Florida parks through JAXPORT’s TraPac Container Terminal at Dames Point, a shift that underscores the port’s growing attractiveness to shippers whilst encouraging statewide attempts to move Florida cargo through Florida seaports.

The move also reflects the value of MOL’s financial investment in JAXPORT and commitment to Jacksonville. The Tokyo-based delivery organization exposed its 0 million, advanced TraPac Container Terminal at Dames Point in 2009. TraPac is the U.S. terminal running arm of MOL.

Florida Governor Rick Scott and Lt. Governor Jennifer Carroll joined Jacksonville Mayor Alvin Brown, JAXPORT CEO Paul Anderson, Florida Chamber of Commerce President and CEO Mark Wilson and MOL (The united states) vice-president Dennis Sheehan in welcoming unique visitors from Walt Disney Parks and Resorts, U.S., Senior vice-president and Chief Financial Officer Anthony Connelly, and surprise visitor Mickey Mouse towards the TraPac docks when it comes to announcement.

Here is the first-time items headed to buy at Walt Disney World Resort in Central Florida should come through Jacksonville. The move reflects the efficiencies and value effectiveness of moving cargo through JAXPORT and contributes to a coordinated drive to carry Florida-bound goods through Florida’s harbors.

“This is really what most of us in Florida want,” said JAXPORT CEO Paul Anderson. “We desire the products our Florida residents and visitors buy introduced through our harbors, maybe not brought by vehicle or train from someplace out-of-state. Step by step, one container at a time, our company is attempting to deliver the jobs and dollars that come combined with action of the items back where they belong. Shippers, importers and exporters round the globe—and today one of several world’s most beloved brands—are acknowledging we provide an alternative solution within Jacksonville which makes great business sense.”

“A big element of our dedication to Jacksonville is share the benefits of development in our amounts aided by the region while the state,” stated Dennis Sheehan, MOL (The united states) vice-president. “This is a partnership, along with people doing our part to produce company gains which in turn lead to window of opportunity for everybody.”

“Bringing a lot of our Florida-bound cargo through Jacksonville is the result of the port’s ongoing improvement attempts,” stated Anthony Connelly, Senior vice-president and Chief Financial Officer for Walt Disney Parks and Resorts, U.S. “This isn’t just an intelligent company choice but also allow united states to carry on to create in the positive impact we on Florida’s economy. These days, the economic task generated by Walt Disney Parks and Resorts accounts for 2.5 % our state’s gross domestic item as well as several out of each and every 50 tasks in Florida.”

“As we consistently work every single day to ensure that Florida may be the number 1 condition for company, our company is witnessing progressively proof that Florida’s economic climate is headed within the correct course,” Governor Scott stated. “Disney’s choice to begin shipping items through JAXPORT is welcome development and we’ll continue steadily to focus on enhancing Florida’s harbors therefore more businesses will choose to work inside our state.”

Disney joins a growing set of companies which may have shifted business to make the most of JAXPORT’s efficient solutions, as they work to much better serve the developing consumer market within the southeast U.S. That listing includes: Rooms to Go, Michael’s Stores, Haverty’s Furniture, Coach, Bridgestone, PSS World Medical, Sears, Samsonite, Maxwell House and Unilever.

The Florida Chamber Foundation’s 2010 Trade and Logistics Study unearthed that 53per cent of Asian imports to Florida had been becoming shipped in during of state ports. The report additionally identified significantly more than 8 million a lot of Asian imports which were trans-loaded and shipped as domestic cargo into Florida.

JAXPORT is a completely independent company in charge of the development of community seaport facilities in Jacksonville. JAXPORT has three cargo facilities and a cruise terminal. In accordance with a 2009 study, Jacksonville’s interface yields 65 thousand jobs and much more than billion in annual economic effect the North Florida area.

For all about:
The Jacksonville Port Authority be sure to go to www.jaxport.com
MOL www.molpower.com
TraPac www.trapac.com
Walt Disney Parks and Resorts www.disneyparks.com.

Picture credit: JAXPORT, Meredith Fordham Hughes

JAXPORT Welcomes Disney
annual credit file gov
Image by JAXPORT
Disney products become delivered through TraPac Container Terminal
Gov. Scott lauds move to deliver Florida cargo in through condition seaport

Jacksonville, FL, Summer 19, 2012 – The Jacksonville Port Authority (JAXPORT), Mitsui O.S.K. Lines (MOL) and TraPac announced today that Walt Disney Parks and Resorts has begun importing almost all of the merchandise headed to its Central Florida areas through JAXPORT’s TraPac Container Terminal at Dames aim, a shift that underscores the port’s growing attractiveness to shippers whilst supporting statewide efforts to go Florida cargo through Florida seaports.

The move also reflects the value of MOL’s investment in JAXPORT and dedication to Jacksonville. The Tokyo-based delivery business exposed its 0 million, advanced TraPac Container Terminal at Dames part of 2009. TraPac is the U.S. terminal running arm of MOL.

Florida Governor Rick Scott and Lt. Governor Jennifer Carroll joined Jacksonville Mayor Alvin Brown, JAXPORT CEO Paul Anderson, Florida Chamber of Commerce President and CEO Mark Wilson and MOL (America) Vice President Dennis Sheehan in welcoming unique guests from Walt Disney Parks and Resorts, U.S., Senior vice-president and Chief Financial Officer Anthony Connelly, and shock visitor Mickey Mouse on TraPac docks for the statement.

Here is the first-time goods headed to buy at Walt Disney World Resort in Central Florida should come through Jacksonville. The move reflects the efficiencies and value effectiveness of moving cargo through JAXPORT and plays a role in a coordinated drive to bring Florida-bound products through Florida’s ports.

“This is what all of us in Florida wish,” said JAXPORT CEO Paul Anderson. “We want the products our Florida people and visitors purchase earned through our harbors, perhaps not brought by truck or train from somewhere out-of-state. Detail by detail, one container at the same time, we have been trying to deliver the tasks and dollars that can come combined with movement of those products back in which they belong. Shippers, importers and exporters around the globe—and now one of many world’s many beloved brands—are acknowledging that people offer an alternative in Jacksonville that makes good business sense.”

“A big part of our dedication to Jacksonville is to share the advantages related to growth in our volumes with the region additionally the state,” stated Dennis Sheehan, MOL (The united states) Vice President. “This is a partnership, with people performing our component to help make company gains which then result in chance of everyone else.”

“Bringing a lot of our Florida-bound cargo through Jacksonville is a direct result of the port’s ongoing improvement attempts,” stated Anthony Connelly, Senior Vice President and Chief Financial Officer for Walt Disney Parks and Resorts, U.S. “This is not only an intelligent company choice but also enable united states to keep to build from the positive effect we on Florida’s economy. These days, the commercial task created by Walt Disney Parks and Resorts is the reason 2.5 percent our state’s gross domestic item as well as multiple out of every 50 jobs in Florida.”

“As we still work each day to ensure Florida may be the #1 condition for business, our company is witnessing increasingly more proof that Florida’s economic climate is headed in correct way,” Governor Scott said. “Disney’s choice to start shipping products through JAXPORT is welcome development and we’ll continue to concentrate on enhancing Florida’s ports therefore even more companies will decide to do business within state.”

Disney joins an increasing range of businesses that have moved company to make the most of JAXPORT’s efficient solutions, as they work to better serve the developing consumer market within the southeast U.S. That list includes: spaces going, Michael’s Stores, Haverty’s Furniture, Coach, Bridgestone, PSS World Medical, Sears, Samsonite, Maxwell House and Unilever.

The Florida Chamber Foundation’s 2010 Trade and Logistics research unearthed that 53% of Asian imports to Florida were becoming delivered in through of state harbors. The report also identified more than 8 million a great deal of Asian imports which were trans-loaded and delivered as domestic cargo into Florida.

JAXPORT is an unbiased company in charge of the development of community seaport services in Jacksonville. JAXPORT is the owner of three cargo services and a cruise terminal. Based on a 2009 study, Jacksonville’s port yields 65 thousand tasks and much more than billion in annual financial influence for North Florida region.

For info on:
The Jacksonville Port Authority be sure to check out www.jaxport.com
MOL www.molpower.com
TraPac www.trapac.com
Walt Disney Parks and Resorts www.disneyparks.com.

Photo credit: JAXPORT, Meredith Fordham Hughes

Nice Credit Report Online photos

A few nice credit report online images I found:

Uganda – Regional Meeting on Sustainable Development in African Mountain Regions, November 2011 (Atari Village)
credit report online
Image by Mountain Partnership
Twenty years on from the first “Earth Summit” (Rio 1992) and in preparation to the Rio+20 Summit (June 2012), a World Mountain Conference was convened within the framework of the Mountain Partnership from 11 to 12 October 2011 in Lucerne, Switzerland. The main organizers of the event were the Swiss Agency for Development and Cooperation (SDC) and the Swiss Federal Office for Spatial Development (ARE). With more than 100 participants representing governments, non-governmental organizations, academia, civil society, politics, business and the United Nations system, the two-day conference was intended to help mountains stand tall on the Rio+20 agenda, said Dr Daniel Maselli from the SDC.

On this occasion, a number of reports focusing on different mountain regions worldwide were presented and discussed and a Call for Action was prepared by the Conference Secretariat based on the inputs received by participants and experts. Mountains are trans-boundary and interdisciplinary, said Brice Lalonde, former Minister for Environment in France and Executive Coordinator for Rio+20. Therefore, the mountain voice must speak out in the context of international negotiations on water, energy, food security, planet monitoring, social issues and risk preparedness.

The Mountain Partnership invited its Members to include mountain-related inputs taken from the Call for Action in their submissions to the Compilation Document for UNCSD Rio+20. As a result, the word “mountain” occurred 2,728 times in 71 submissions. The Compilation Document formed the basis for the Zero Draft of the Outcome Document of Rio+20. On 10 January, the Zero Draft was made available online, with a whole paragraph directly addressing mountains.

Read more on the Lucerne World Mountain Conference
www.mountainpartnership.org/eventspage/lucerne.html

Read more on the Mountain Partnership’s involvement in the Rio+20 process
www.mountainpartnership.org/eventspage/rio/indexen.html

Photo credit: ©MPCAH/Alma Karsymbek

You are welcome to use the photos from the Mountain Partnership photo gallery for non-commercial use. Please provide appropriate attribution, including the name of the photographer.

Banksy in Boston: View of F̶O̶L̶L̶O̶W̶ ̶Y̶O̶U̶R̶ ̶D̶R̶E̶A̶M̶S̶ CANCELLED on Essex St, Chinatown, Boston, with rush hour traffic
credit report online
Image by Chris Devers
Interestingly, both of the Boston area Banksy pieces are on Essex St:

F̶O̶L̶L̶O̶W̶ ̶Y̶O̶U̶R̶ ̶D̶R̶E̶A̶M̶S̶ CANCELLED (aka chimney sweep) in Chinatown, Boston
NO LOITRIN in Central Square, Cambridge.

Does that mean anything? It looks like he favors Essex named streets & roads when he can. In 2008, he did another notable Essex work in London, for example, and posters on the Banksy Forums picked up & discussed on the Essex link as well.

Is there an Essex Street in any of the other nearby towns? It looks like there are several: Brookline, Charlestown, Chelsea, Gloucester, Haverhill, Lawrence, Lynn, Medford, Melrose, Quincy, Revere, Salem, Saugus, Somerville, Swampscott, and Waltham. Most of these seem improbable to me, other than maybe Brookline, or maybe Somerville or Charlestown. But they start getting pretty suburban after that.

But, again, why "Essex"? In a comment on this photo, Birbeck helps clarify:

I can only surmise that he’s having a ‘dig’ at Essex UK, especially with the misspelling of ‘Loitering’. Here, the general view of the urban districts in Essex: working class but with right wing views; that they’re not the most intellectual bunch; rather obsessed with fashion (well, their idea of it); their place of worship is the shopping mall; enjoy rowdy nights out; girls are thought of as being dumb, fake blonde hair/tans and promiscuous; and guys are good at the ‘chit chat’, and swagger around showing off their dosh (money).

It was also the region that once had Europe’s largest Ford motor factory. In its heyday, 1 in 3 British cars were made in Dagenham, Essex. Pay was good for such unskilled labour, generations worked mind-numbing routines on assembly lines for 80 years. In 2002 the recession ended the dream.

• • • • •

This photo appeared on Grafitti – A arte das ruas on Yahoo Meme. Yes, Yahoo has a Tumblr/Posterous-esque "Meme" service now — I was as surprised as you are.

• • • • •

Banksy
From Wikipedia, the free encyclopedia

Banksy
Birth name
Unknown

Born
1974 or 1975 (1974 or 1975), Bristol, UK[1]

Nationality
British

Field
Graffiti
Street Art
Bristol underground scene
Sculpture

Movement
Anti-Totalitarianism
Anti-capitalism
Pacifism
Anti-War
Anarchism
Atheism
Anti-Fascism

Works
Naked Man Image
One Nation Under CCTV
Anarchist Rat
Ozone’s Angel
Pulp Fiction

Banksy is a pseudonymous[2][3][4] British graffiti artist. He is believed to be a native of Yate, South Gloucestershire, near Bristol[2] and to have been born in 1974,[5] but his identity is unknown.[6] According to Tristan Manco[who?], Banksy "was born in 1974 and raised in Bristol, England. The son of a photocopier technician, he trained as a butcher but became involved in graffiti during the great Bristol aerosol boom of the late 1980s."[7] His artworks are often satirical pieces of art on topics such as politics, culture, and ethics. His street art, which combines graffiti writing with a distinctive stencilling technique, is similar to Blek le Rat, who began to work with stencils in 1981 in Paris and members of the anarcho-punk band Crass who maintained a graffiti stencil campaign on the London Tube System in the late 1970s and early 1980s. His art has appeared in cities around the world.[8] Banksy’s work was born out of the Bristol underground scene which involved collaborations between artists and musicians.

Banksy does not sell photos of street graffiti.[9] Art auctioneers have been known to attempt to sell his street art on location and leave the problem of its removal in the hands of the winning bidder.[10]

Banksy’s first film, Exit Through The Gift Shop, billed as "the world’s first street art disaster movie", made its debut at the 2010 Sundance Film Festival.[11] The film was released in the UK on March 5.[12]

Contents

1 Career
•• 1.1 2000
•• 1.2 2002
•• 1.3 2003
•• 1.4 2004
•• 1.5 2005
•• 1.6 2006
•• 1.7 2007
•• 1.8 2008
•• 1.9 2009
•• 1.10 2010
2 Notable art pieces
3 Technique
4 Identity
5 Controversy
6 Bibliography
7 References
8 External links

Career

Banksy started as a freehand graffiti artist 1992–1994[14] as one of Bristol’s DryBreadZ Crew (DBZ), with Kato and Tes.[15] He was inspired by local artists and his work was part of the larger Bristol underground scene. From the start he used stencils as elements of his freehand pieces, too.[14] By 2000 he had turned to the art of stencilling after realising how much less time it took to complete a piece. He claims he changed to stencilling whilst he was hiding from the police under a train carriage, when he noticed the stencilled serial number[16] and by employing this technique, he soon became more widely noticed for his art around Bristol and London.[16]

Stencil on the waterline of The Thekla, an entertainment boat in central Bristol – (wider view). The image of Death is based on a 19th century etching illustrating the pestilence of The Great Stink.[17]

Banksy’s stencils feature striking and humorous images occasionally combined with slogans. The message is usually anti-war, anti-capitalist or anti-establishment. Subjects often include rats, monkeys, policemen, soldiers, children, and the elderly.

In late 2001, on a trip to Sydney and Melbourne, Australia, he met up with the Gen-X pastellist, visual activist, and recluse James DeWeaver in Byron Bay[clarification needed], where he stencilled a parachuting rat with a clothes peg on its nose above a toilet at the Arts Factory Lodge. This stencil can no longer be located. He also makes stickers (the Neighbourhood Watch subvert) and sculpture (the murdered phone-box), and was responsible for the cover art of Blur’s 2003 album Think Tank.

2000

The album cover for Monk & Canatella‘s Do Community Service was conceived and illustrated by Banksy, based on his contribution to the "Walls on fire" event in Bristol 1998.[18][citation needed]

2002

On 19 July 2002, Banksy’s first Los Angeles exhibition debuted at 33 1/3 Gallery, a small Silverlake venue owned by Frank Sosa. The exhibition, entitled Existencilism, was curated by 33 1/3 Gallery, Malathion, Funk Lazy Promotions, and B+.[19]

2003

In 2003 in an exhibition called Turf War, held in a warehouse, Banksy painted on animals. Although the RSPCA declared the conditions suitable, an animal rights activist chained herself to the railings in protest.[20] He later moved on to producing subverted paintings; one example is Monet‘s Water Lily Pond, adapted to include urban detritus such as litter and a shopping trolley floating in its reflective waters; another is Edward Hopper‘s Nighthawks, redrawn to show that the characters are looking at a British football hooligan, dressed only in his Union Flag underpants, who has just thrown an object through the glass window of the cafe. These oil paintings were shown at a twelve-day exhibition in Westbourne Grove, London in 2005.[21]

2004

In August 2004, Banksy produced a quantity of spoof British £10 notes substituting the picture of the Queen’s head with Princess Diana‘s head and changing the text "Bank of England" to "Banksy of England." Someone threw a large wad of these into a crowd at Notting Hill Carnival that year, which some recipients then tried to spend in local shops. These notes were also given with invitations to a Santa’s Ghetto exhibition by Pictures on Walls. The individual notes have since been selling on eBay for about £200 each. A wad of the notes were also thrown over a fence and into the crowd near the NME signing tent at The Reading Festival. A limited run of 50 signed posters containing ten uncut notes were also produced and sold by Pictures on Walls for £100 each to commemorate the death of Princess Diana. One of these sold in October 2007 at Bonhams auction house in London for £24,000.

2005

In August 2005, Banksy, on a trip to the Palestinian territories, created nine images on Israel’s highly controversial West Bank barrier. He reportedly said "The Israeli government is building a wall surrounding the occupied Palestinian territories. It stands three times the height of the Berlin Wall and will eventually run for over 700km—the distance from London to Zurich. "[22]

2006

• Banksy held an exhibition called Barely Legal, billed as a "three day vandalised warehouse extravaganza" in Los Angeles, on the weekend of 16 September. The exhibition featured a live "elephant in a room", painted in a pink and gold floral wallpaper pattern.[23]
• After Christina Aguilera bought an original of Queen Victoria as a lesbian and two prints for £25,000,[24] on 19 October 2006 a set of Kate Moss paintings sold in Sotheby’s London for £50,400, setting an auction record for Banksy’s work. The six silk-screen prints, featuring the model painted in the style of Andy Warhol‘s Marilyn Monroe pictures, sold for five times their estimated value. His stencil of a green Mona Lisa with real paint dripping from her eyes sold for £57,600 at the same auction.[25]
• In December, journalist Max Foster coined the phrase, "the Banksy Effect", to illustrate how interest in other street artists was growing on the back of Banksy’s success.[26]

2007

• On 21 February 2007, Sotheby’s auction house in London auctioned three works, reaching the highest ever price for a Banksy work at auction: over £102,000 for his Bombing Middle England. Two of his other graffiti works, Balloon Girl and Bomb Hugger, sold for £37,200 and £31,200 respectively, which were well above their estimated prices.[27] The following day’s auction saw a further three Banksy works reach soaring prices: Ballerina With Action Man Parts reached £96,000; Glory sold for £72,000; Untitled (2004) sold for £33,600; all significantly above estimated values.[28] To coincide with the second day of auctions, Banksy updated his website with a new image of an auction house scene showing people bidding on a picture that said, "I Can’t Believe You Morons Actually Buy This Shit."[6]
• In February 2007, the owners of a house with a Banksy mural on the side in Bristol decided to sell the house through Red Propeller art gallery after offers fell through because the prospective buyers wanted to remove the mural. It is listed as a mural which comes with a house attached.[29]
• In April 2007, Transport for London painted over Banksy’s iconic image of a scene from Quentin Tarantino‘s Pulp Fiction, with Samuel L. Jackson and John Travolta clutching bananas instead of guns. Although the image was very popular, Transport for London claimed that the "graffiti" created "a general atmosphere of neglect and social decay which in turn encourages crime" and their staff are "professional cleaners not professional art critics".[30] Banksy tagged the same site again (pictured at right). This time the actors were portrayed as holding real guns instead of bananas, but they were adorned with banana costumes. Banksy made a tribute art piece over this second Pulp Fiction piece. The tribute was for 19-year-old British graffiti artist Ozone, who was hit by an underground train in Barking, East London, along with fellow artist Wants, on 12 January 2007.[31] The piece was of an angel wearing a bullet-proof vest, holding a skull. He also wrote a note on his website, saying:

The last time I hit this spot I painted a crap picture of two men in banana costumes waving hand guns. A few weeks later a writer called Ozone completely dogged it and then wrote ‘If it’s better next time I’ll leave it’ in the bottom corner. When we lost Ozone we lost a fearless graffiti writer and as it turns out a pretty perceptive art critic. Ozone – rest in peace.[citation needed]

Ozone’s Angel

• On 27 April 2007, a new record high for the sale of Banksy’s work was set with the auction of the work Space Girl & Bird fetching £288,000 (US6,000), around 20 times the estimate at Bonhams of London.[32]
• On 21 May 2007 Banksy gained the award for Art’s Greatest living Briton. Banksy, as expected, did not turn up to collect his award, and continued with his notoriously anonymous status.
• On 4 June 2007, it was reported that Banksy’s The Drinker had been stolen.[33][34]
• In October 2007, most of his works offered for sale at Bonhams auction house in London sold for more than twice their reserve price.[35]

• Banksy has published a "manifesto" on his website.[36] The text of the manifesto is credited as the diary entry of one Lieutenant Colonel Mervin Willett Gonin, DSO, which is exhibited in the Imperial War Museum. It describes how a shipment of lipstick to the Bergen-Belsen concentration camp immediately after its liberation at the end of World War II helped the internees regain their humanity. However, as of 18 January 2008, Banksy’s Manifesto has been substituted with Graffiti Heroes #03 that describes Peter Chappell’s graffiti quest of the 1970s that worked to free George Davis of his imprisonment.[37] By 12 August 2009 he was relying on Emo Phillips’ "When I was a kid I used to pray every night for a new bicycle. Then I realised God doesn’t work that way, so I stole one and prayed for forgiveness."
• A small number of Banksy’s works can be seen in the movie Children of Men, including a stenciled image of two policemen kissing and another stencil of a child looking down a shop.
• In the 2007 film Shoot ‘Em Up starring Clive Owen, Banksy’s tag can be seen on a dumpster in the film’s credits.
• Banksy, who deals mostly with Lazarides Gallery in London, claims that the exhibition at Vanina Holasek Gallery in New York (his first major exhibition in that city) is unauthorised. The exhibition featured 62 of his paintings and prints.[38]

2008

• In March, a stencilled graffiti work appeared on Thames Water tower in the middle of the Holland Park roundabout, and it was widely attributed to Banksy. It was of a child painting the tag "Take this Society" in bright orange. London Borough of Hammersmith and Fulham spokesman, Councillor Greg Smith branded the art as vandalism, and ordered its immediate removal, which was carried out by H&F council workmen within three days.[39]
• Over the weekend 3–5 May in London, Banksy hosted an exhibition called The Cans Festival. It was situated on Leake Street, a road tunnel formerly used by Eurostar underneath London Waterloo station. Graffiti artists with stencils were invited to join in and paint their own artwork, as long as it didn’t cover anyone else’s.[40] Artists included Blek le Rat, Broken Crow, C215, Cartrain, Dolk, Dotmasters, J.Glover, Eine, Eelus, Hero, Pure evil, Jef Aérosol, Mr Brainwash, Tom Civil and Roadsworth.[citation needed]
• In late August 2008, marking the third anniversary of Hurricane Katrina and the associated levee failure disaster, Banksy produced a series of works in New Orleans, Louisiana, mostly on buildings derelict since the disaster.[41]
• A stencil painting attributed to Banksy appeared at a vacant petrol station in the Ensley neighbourhood of Birmingham, Alabama on 29 August as Hurricane Gustav approached the New Orleans area. The painting depicting a hooded member of the Ku Klux Klan hanging from a noose was quickly covered with black spray paint and later removed altogether.[42]
• His first official exhibition in New York, the "Village Pet Store And Charcoal Grill," opened 5 October 2008. The animatronic pets in the store window include a mother hen watching over her baby Chicken McNuggets as they peck at a barbecue sauce packet, and a rabbit putting makeup on in a mirror.[43]
• The Westminster City Council stated in October 2008 that the work "One Nation Under CCTV", painted in April 2008 will be painted over as it is graffiti. The council says it will remove any graffiti, regardless of the reputation of its creator, and specifically stated that Banksy "has no more right to paint graffiti than a child". Robert Davis, the chairman of the council planning committee told The Times newspaper: "If we condone this then we might as well say that any kid with a spray can is producing art". [44] The work was painted over in April 2009.
• In December 2008, The Little Diver, a Banksy image of a diver in a duffle coat in Melbourne Australia was vandalised. The image was protected by a sheet of clear perspex, however silver paint was poured behind the protective sheet and later tagged with the words "Banksy woz ere". The image was almost completely destroyed.[45].

2009

• May 2009, parts company with agent Steve Lazarides. Announces Pest Control [46] the handling service who act on his behalf will be the only point of sale for new works.
• On 13 June 2009, the Banksy UK Summer show opened at Bristol City Museum and Art Gallery, featuring more than 100 works of art, including animatronics and installations; it is his largest exhibition yet, featuring 78 new works.[47][48] Reaction to the show was positive, with over 8,500 visitors to the show on the first weekend.[49] Over the course of the twelve weeks, the exhibition has been visited over 300,000 times.[50]
• In September 2009, a Banksy work parodying the Royal Family was partially destroyed by Hackney Council after they served an enforcement notice for graffiti removal to the former address of the property owner. The mural had been commissioned for the 2003 Blur single "Crazy Beat" and the property owner, who had allowed the piece to be painted, was reported to have been in tears when she saw it was being painted over.[51]
• In December 2009, Banksy marked the end of the 2009 United Nations Climate Change Conference by painting four murals on global warming. One included "I don’t believe in global warming" which was submerged in water.[52]

2010

• The world premiere of the film Exit Through the Gift Shop occurred at the Sundance Film Festival in Park City, Utah, on 24 January. He created 10 street pieces around Park City and Salt Lake City to tie in with the screening.[53]
• In February, The Whitehouse public house in Liverpool, England, is sold for £114,000 at auction.[54] The side of the building has an image of a giant rat by Banksy.[55]
• In April 2010, Melbourne City Council in Australia reported that they had inadvertently ordered private contractors to paint over the last remaining Banksy art in the city. The image was of a rat descending in a parachute adorning the wall of an old council building behind the Forum Theatre. In 2008 Vandals had poured paint over a stencil of an old-fashioned diver wearing a trenchcoat. A council spokeswoman has said they would now rush through retrospective permits to protect other “famous or significant artworks” in the city.[56]
• In April 2010 to coincide with the premier of Exit through the Gift Shop in San Francisco, 5 of his pieces appeared in various parts of the city.[57] Banksy reportedly paid a Chinatown building owner for the use of their wall for one of his stencils.[58]
• In May 2010 to coincide with the release of "Exit Through the Gift Shop" in Chicago, one piece appeared in the city.

Notable art pieces

In addition to his artwork, Banksy has claimed responsibility for a number of high profile art pieces, including the following:

• At London Zoo, he climbed into the penguin enclosure and painted "We’re bored of fish" in seven foot high letters.[59]
• At Bristol Zoo, he left the message ‘I want out. This place is too cold. Keeper smells. Boring, boring, boring.’ in the elephant enclosure.[60]
• In March 2005, he placed subverted artworks in the Museum of Modern Art, Metropolitan Museum of Art, the Brooklyn Museum, and the American Museum of Natural History in New York.[61]
• He put up a subverted painting in London’s Tate Britain gallery.
• In May 2005 Banksy’s version of a primitive cave painting depicting a human figure hunting wildlife whilst pushing a shopping trolley was hung in gallery 49 of the British Museum, London. Upon discovery, they added it to their permanent collection.[62]

Near Bethlehem – 2005

• Banksy has sprayed "This is not a photo opportunity" on certain photograph spots.
• In August 2005, Banksy painted nine images on the Israeli West Bank barrier, including an image of a ladder going up and over the wall and an image of children digging a hole through the wall.[22][63][64][65]

See also: Other Banksy works on the Israeli West Bank barrier

• In April 2006, Banksy created a sculpture based on a crumpled red phone box with a pickaxe in its side, apparently bleeding, and placed it in a street in Soho, London. It was later removed by Westminster Council. BT released a press release, which said: "This is a stunning visual comment on BT’s transformation from an old-fashioned telecommunications company into a modern communications services provider."[66]
• In June 2006, Banksy created an image of a naked man hanging out of a bedroom window on a wall visible from Park Street in central Bristol. The image sparked some controversy, with the Bristol City Council leaving it up to the public to decide whether it should stay or go.[67] After an internet discussion in which 97% (all but 6 people) supported the stencil, the city council decided it would be left on the building.[67] The mural was later defaced with paint.[67]
• In August/September 2006, Banksy replaced up to 500 copies of Paris Hilton‘s debut CD, Paris, in 48 different UK record stores with his own cover art and remixes by Danger Mouse. Music tracks were given titles such as "Why am I Famous?", "What Have I Done?" and "What Am I For?". Several copies of the CD were purchased by the public before stores were able to remove them, some going on to be sold for as much as £750 on online auction websites such as eBay. The cover art depicted Paris Hilton digitally altered to appear topless. Other pictures feature her with a dog’s head replacing her own, and one of her stepping out of a luxury car, edited to include a group of homeless people, which included the caption "90% of success is just showing up".[68][69][70]
• In September 2006, Banksy dressed an inflatable doll in the manner of a Guantanamo Bay detainment camp prisoner (orange jumpsuit, black hood, and handcuffs) and then placed the figure within the Big Thunder Mountain Railroad ride at the Disneyland theme park in Anaheim, California.[71][72]

Technique

Asked about his technique, Banksy said:

“I use whatever it takes. Sometimes that just means drawing a moustache on a girl’s face on some billboard, sometimes that means sweating for days over an intricate drawing. Efficiency is the key.[73]

Stencils are traditionally hand drawn or printed onto sheets of acetate or card, before being cut out by hand. Because of the secretive nature of Banksy’s work and identity, it is uncertain what techniques he uses to generate the images in his stencils, though it is assumed he uses computers for some images due to the photocopy nature of much of his work.

He mentions in his book, Wall and Piece, that as he was starting to do graffiti, he was always too slow and was either caught or could never finish the art in the one sitting. So he devised a series of intricate stencils to minimise time and overlapping of the colour.

Identity

Banksy’s real name has been widely reported to be Robert or Robin Banks.[74][75][76] His year of birth has been given as 1974.[62]

Simon Hattenstone from Guardian Unlimited is one of the very few people to have interviewed him face-to-face. Hattenstone describes him as "a cross of Jimmy Nail and British rapper Mike Skinner" and "a 28 year old male who showed up wearing jeans and a t-shirt with a silver tooth, silver chain, and one silver earring".[77] In the same interview, Banksy revealed that his parents think their son is a painter and decorator.[77]

In May 2007, an extensive article written by Lauren Collins of the New Yorker re-opened the Banksy-identity controversy citing a 2004 photograph of the artist that was taken in Jamaica during the Two-Culture Clash project and later published in the Evening Standard in 2004.[6]

In October 2007, a story on the BBC website featured a photo allegedly taken by a passer-by in Bethnal Green, London, purporting to show Banksy at work with an assistant, scaffolding and a truck. The story confirms that Tower Hamlets Council in London has decided to treat all Banksy works as vandalism and remove them.[78]

In July 2008, it was claimed by The Mail on Sunday that Banksy’s real name is Robin Gunningham.[3][79] His agent has refused to confirm or deny these reports.

In May 2009, the Mail on Sunday once again speculated about Gunningham being Banksy after a "self-portrait" of a rat holding a sign with the word "Gunningham" shot on it was photographed in East London.[80] This "new Banksy rat" story was also picked up by The Times[81] and the Evening Standard.

Banksy, himself, states on his website:

“I am unable to comment on who may or may not be Banksy, but anyone described as being ‘good at drawing’ doesn’t sound like Banksy to me.[82]

Controversy

In 2004, Banksy walked into the Louvre in Paris and hung on a wall a picture he had painted resembling the Mona Lisa but with a yellow smiley face. Though the painting was hurriedly removed by the museum staff, it and its counterpart, temporarily on unknown display at the Tate Britain, were described by Banksy as "shortcuts". He is quoted as saying:

“To actually [have to] go through the process of having a painting selected must be quite boring. It’s a lot more fun to go and put your own one up.[83]

Peter Gibson, a spokesperson for Keep Britain Tidy, asserts that Banksy’s work is simple vandalism,[84] and Diane Shakespeare, an official for the same organization, was quoted as saying: "We are concerned that Banksy’s street art glorifies what is essentially vandalism".[6]

In June 2007 Banksy created a circle of plastic portable toilets, said to resemble Stonehenge at the Glastonbury Festival. As this was in the same field as the "sacred circle" it was felt by many to be inappropriate and his installation was itself vandalized before the festival even opened. However, the intention had always been for people to climb on and interact with it.[citation needed] The installation was nicknamed "Portaloo Sunset" and "Bog Henge" by Festival goers. Michael Eavis admitted he wasn’t fond of it, and the portaloos were removed before the 2008 festival.

In 2010, an artistic feud developed between Banksy and his rival King Robbo after Banksy painted over a 24-year old Robbo piece on the banks of London’s Regent Canal. In retaliation several Banksy pieces in London have been painted over by ‘Team Robbo’.[85][86]

Also in 2010, government workers accidentally painted over a Banksy art piece, a famed "parachuting-rat" stencil, in Australia’s Melbourne CBD. [87]

Bibliography

Banksy has self-published several books that contain photographs of his work in various countries as well as some of his canvas work and exhibitions, accompanied by his own writings:

• Banksy, Banging Your Head Against A Brick Wall (2001) ISBN 978-0-95417040-0
• Banksy, Existencilism (2002) ISBN 978-0-95417041-7
• Banksy, Cut it Out (2004) ISBN 978-0-95449600-5
• Banksy, Wall and Piece (2005) ISBN 978-1-84413786-2
• Banksy, Pictures of Walls (2005) ISBN 978-0-95519460-3

Random House published Wall and Piece in 2005. It contains a combination of images from his three previous books, as well as some new material.[16]

Two books authored by others on his work were published in 2006 & 2007:

• Martin Bull, Banksy Locations and Tours: A Collection of Graffiti Locations and Photographs in London (2006 – with new editions in 2007 and 2008) ISBN 978-0-95547120-9.
• Steve Wright, Banksy’s Bristol: Home Sweet Home (2007) ISBN 978-1906477004

External links

Official website
Banksy street work photos

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