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Richard D. Walker

My credit scores are posted below.

Studied business in college and earned a 4.6-grade point average.

Started in the real estate business in 1978 by joining in a partnership to buy and renovate single-family houses and commercial properties. In the same year, started making mortgage loans as a lender, (using OPM). Made thousands of mortgage loans and never, ever lost money on any deal!!!!!!!

Joined in a partnership and grew the loan volume to 200 closed and sold loans per month. Created a very successful sub-prime mortgage lender. The company became the twentieth-largest loan closer in the State of Georgia.

Bought one house on a Saturday and flipped and closed the house the following Friday making US$9,000.00!

Moved already built houses from one city to another city and set the homes upon new foundations in the new city.

Bought thousands of loans from mortgage lenders/brokers on a flow basis or as whole loans. Sold whole loans to over 700 banks, insurance companies, corporations, institutional investors, or private people including, including but not limited to, loans insured by HUD, Fannie Mae, Freddie Mac, USDA, Ginger Mae, and others.

Licensed private airplane pilot.

• •I grew up on a farm.  I studied vocational agriculture for four years in school.
• •I was a member of the FFA, 4H, Boys Scouts, J.C`s and Lion`s club.  I studied agribusiness in college.  I became a real estate investor-builder and an expert mortgage banker.  I built buildings, renovated buildings and moved buildings from one city to another city and set them back up.
• •When I was on the farm, we always had several big gardens and much cropland.  I planted and tended many vegetables, fruits, and berries.  I helped my family can and preserve the many vegetables, fruits, and berries.
• •I love agriculture.  If this world loved agriculture as I do, then this planet would be a better place.
• •I have a written agreement with an organization that trainees US military veterans a new career in agriculture.  Our agreement is that the new agriculture trainees will occupy full-time high-paying permanent jobs in our company. Furthermore, we are forming a unit within our group to train prisoners a trade to work to become a positive contributing member of our society. The State of Georgia will pay a per diem to train this group who desperately need a positive environment for success. The recidivism rate is currently around 27% in Georgia, (some say 30%), (https://pap.georgia.gov/reentry-services). Faith based reentry ministries, such as we will operate, has reidivism rates of 5%-7%. These then provide a positive environment for success in which 20%-22% more reentry participants succeed. Our goal is a 1%-3.5% recidivism of which could equate to saving more lives for the betterment of our society. 13,307 inmates were released in CY2023, (https://gdc.georgia.gov/organization/about-gdc/agency-activity/research-and-reports/annual-statistical-reports/calendar-2). We plan to convert 2,367 released prisoners to be successful in our country and society! YOU will be a part of that success!
• •I have cut many trees when I was young with a bucksaw and an ax.  I graduated to a power chain saw when I was fourteen, (14), years old.  I worked at a sawmill.  I have personal knowledge of how to use a kiln to dry lumber wood.
• •I have trained and shown many animals in various shows such as rodeos, cattle, and horse shows.  I was an expert horseman.
• •I know how to dress many animals.  Cattle, hogs, deer, chickens, turkeys, ducks, rabbits, squirrels and turtles. 
• •I have operated much equipment.  Tractors, of course, track loaders, dump trucks, skidders, pulpwood trucks, backhoes, motor road grader, pans, rubber-tired loaders, large buses, tractor-trailers or road tractors. I have driven a wrecker for years. I have hauled thousands of vehicles thru Midtown Atlanta GA, USA without having an accident.
• •I am a licensed airplane pilot.
• •I have personal knowledge and experience on how to distill gasohol/alcohol.  I have distilled tens of thousands of gallons of gasohol/alcohol in my life.
• •The biomass, (woodfired), steam electric generator apparatus with my new novel innovative invention which emits no smoke into the air utilizes many applications of agriculture including, timber, livestock, gardening, crops, aquaculture, food processing, food canning, food preserving, electricity generation, gasohol/liquor production, woodworking, and real estate development.
• •The apparatus processes the smoke and pollutants through the firebox then through a flue and into the novel innovative patent-pending invention which emits no smoke into the air and then returns through a closed-loop back to the firebox.  No smoke, pollutants or carbons are ever emitted into the atmosphere.
• •We have many engineers on our team including electrical, mechanical, industrial, chemical, logistical, mining, programming, computing, systems, and architects.
• •Each apparatus will create thousands and thousands of new full-time high-paying permanent agriculture jobs at each location we develop.
• •I am in communications with the governments of the states in the USA.  The governments are 110% interested in our apparatus by offering grants of free land, buildings, roads, bridges, water, sewer, electricity, gas, parks, tax credits, and tax benefits. In California, the government is offering very attractive California financial incentives.
• •I am uniquely qualified to devise and implement the woodfired steam electric generator apparatus with my new novel innovative patent-pending invention which emits no smoke into the air.
• •The apparatuses include all my life experiences which make them a winner.
• I have committed much of my life, time and money in charity work including distributing two, (2), tons per week of food to those in need. I have helped the homeless and helpless. I have given housing to the homeless. I have given clothing to the naked. I have visited the orphans, elderly, disabled, hospitalized, in prison and jail with good news.
• I asked God to take my habit away. God said no. It is not for me to take away, but for you to give it up. I asked God to grant me patience. God said no. Patience is a byproduct of tribulations. It isn’t granted, it is earned. I asked God to give me happiness. God said no. I give you blessings, happiness is up to you.
• I asked God to spare me pain. God said no. Suffering draws you apart from worldly cares and brings you closer to me. I asked God to make my spirit grow. God said no, you must grow on your own. I will prune you to make you fruitful. I asked for all things that I might enjoy in life. God said no, I will give you life so that you may enjoy all things. Then I asked God to help me love others as much as HE loves me. God said, Finally, you get the idea!
• •I trust this presentation outlines my personal knowledge and experiences for your deliberations.

16Dec2025 TransUnion Credit Score 20251216-140416

16Dec2025 TransUnion Credit Score 20251216-140416

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16Dec2025 Equifax Credit Score 2025-12-16 140507

16Dec2025 Equifax Credit Score 2025-12-16 140507

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16Dec2025 Experian Credit Score 2025-12-16 135211

16Dec2025 Experian Credit Score 2025-12-16 135211

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TransUnion Credit Score 2025-10-24 164243

TransUnion Credit Score 2025-10-24 164243

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Experian Credit Scoree 2025-10-24 180135

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Equifax Credit Score 2025-10-24 174158

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TransUnion Credit Score 2025-10-10 140207

TransUnion Credit Score 2025-10-10 140207

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Wells Fargo Bank Credit Score 2025-10-08 000150.jpg

Wells Fargo Bank Credit Score 2025-10-08 000150.jpg

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Equifax Credit Score 2025-10-07 235440.jpg

Equifax Credit Score 2025-10-07 235440.jpg

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Experian Credit Score 2025-10-06 170843.jpg

Experian Credit Score 2025-10-06 170843.jpg

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TransUnion Credit Score 2025-10-02 164242.jpg

TransUnion Credit Score 2025-10-02 164242.jpg

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17May2025 Experian Credit Score

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02Apr2025 Varo Bank TransUnion Credit Score 2025-04-04 082147

02Apr2025 Varo Bank TransUnion Credit Score 2025-04-04 082147

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02Apr2025 US Bank TransUnion Credit Score 2025-04-04 0808

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02Apr2025 Equifax Credit Score

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02Apr2025 PayPal Credit Synchrony Bank Credit Score 2025-04-04 081523

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04Apr2025 Capital One Bank TransUnion Credit Score 2025-04-04 075440

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02April2025 Experian Credit Score

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06Mar25 Capital One Bank TransUnion Credit Score 2025-03-06 014105

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24Feb25 Capital One Bank TransUnion Credit Score

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09Jan2025 10.59PM PayPal TransUnion Credit Score 2025-01-09 225901

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06Jan2025 Varo Bank Transunion Credit Score 2025-01-06 140450

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06Jan2025 Experian Credit Score 2025-01-06 134532

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03Jan2025 Capital One Bank TransUnion Credit Score 2025-01-03 221824

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01Jan2025 Capital One Bank TransUnion Credit Score 2025-01-01 103805

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01Jan2025 Experian Credit Score 2025-01-01 101705

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01Jan2025 Varo Bank TransUnion Credit Score 2025-01-01 103205

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30Dec2024 Capital One Bank TransUnion Credit Score 2024-12-30 084923

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26Dec2024 US Bank TransUnion Credit Score 2024-12-27 023906.

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23Dec2024 Capital One Bank TransUnion Credit Score 2024-12-23 193135

23Dec2024 History for 2024 Capital One Bank TransUnion Credit Score 2024-12-23 193135

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18Dec2024 Varo Bank Credit Score 2024-12-18 123441

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10Dec2024 Equifax Credit Score 2024-12-10 115613

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10Dec2024 Capital One Bank TransUnion Credit Score 2024-12-10 113043

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10Dec2024 US Bank TransUnion Credit Score 2024-12-10 113826

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10Dec2024 Experian Credit Score 2024-12-10 114421

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05Dec2024 US Bank TransUnion Credit Score 2024-12-05 234420

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05Dec2024 Capital One Bank TransUnion Credit Score 2024-12-05 235610

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05Dec2024 PayPal TransUnion Credit Score 2024-12-06 001111

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29Nov2024 Experian Credit Score 2024-11-29 082142

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25Nov2024 Capital One Bank TransUnion Credit Score 2024-11-25 073135

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25Nov2024 Experian Credit Score 2024-11-25 073438

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24Nov2024 US Bank TransUnion Credit Score 2024-11-24 144308

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24Nov2024 TransUnion Credit Score 2024-11-24-142539

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23Nov2024 Experian Credit Score 2024-11-23 040339

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23Nov2024 Equifax 2024-11-23 041151

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21Nov2024 Experian Credit Score 2024-11-21 195755

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17November 2024 Capital One Bank Credit Score

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08Nov24 Equifax Credit Score 2024-11-08 174148.jpg

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08Nov24 US Bank Vantage Credit Score 2024-11-08 173143.jpg

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08Nov2024 Capital One Bank TransUnion Credit Score 2024-11-08 093632.jpg

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27sept2024-Capital-One-Bank-TransUnion-Credit-Score

27sept2024-Capital-One-Bank-TransUnion-Credit-Score

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27Sept2024 Experian Credit Score

27Sept2024 Experian Credit Score

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19May2024 First Progress Bank Experian Credit Score – 19.05.2024 18_23

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16May2024 myEquifax Credit Report Score 2024-05-16 122617

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16May2024 CapitalOne TransUnion 2024-05-16 121458

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07May US Bank TransUnion Credit Score 2024-05-07 090232

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07May2024 Varo Bank TransUnion Credit Report 2024-05-07 083224

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Capital One Bank

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History-making disruption in energy!!!

The EPA, Environmental Protection Agency, in the United States of America, states, `No permits are required for atmospheric emissions since NO emissions are emitted into the atmosphere`.  

New novel innovative invention, 100%CCC-(completely-enclosed clean conversion), which emits NO emissions into the atmosphere of air, smoke, pollutants, poisons, gases, nitrogen, carbon monoxide, or carbons when used with a biomass steam electric generator apparatus using renewable natural resources.!!!