Monthly Archives: March 2018

credit repair 1.10

Do Something About Your Credit. Repair Credit Now so That You Can Have a Good Credit Score

(copyrighted)

After twelve years of credit repair, credit score repair and writing credit repair letters to all sorts of creditors, collection agencies and credit bureaus, I realized that it was necessary to provide my services at a serious discount to consumers in need. I realized that not all consumers could afford my credit repair services. As a result, I created a hot line to answer credit repair and credit score questions. However, I noticed that it was becoming an overwhelming task for my staff and at much expense in order to provide the free credit repair services.

A little over two (2) years ago, a couple of my clients suggested I should write a booklet (20 pages) about credit score, how credit score is calculated, what to look for when calculating credit score, what is the best way to repair credit and some of the main topics of credit repair. They suggested I should provide this ebook for a price of .95. I thought about doing so for some time as I was thinking that 20 pages of credit repair ebook would not be enough to even touch the surface on so many subjects that needed to be covered. You see the entire idea of credit repair (credit score repair) or credit repair letter writing is not a simple task that even 50 pages would be enough. However, it was also bothering me to charge .95 for some limited number of pages.

Then I realized, I could sit and think and continue contemplating about writing a credit repair – fix credit summary pages until I turn blue, or if I truly want to help consumers with their credit repair and credit score issues, I must take a step and start now. That was two (2) years ago.

As I was writing, in August 2006, I realized, we’ll have a major problems with the mortgage loans being granted so easily due to the unethical practices of mortgage lenders, brokers and direct lenders. You must understand this point. For the past eleven (11) years, I was directly involved in assisting my clients get loans after their credit repair was reasonably completed and their credit score was around 740 or higher. Initially, I was just fixing credit and let them enjoy the luxury of such good credit score. However, after communicating with my clients a couple of months later, I noticed that they were getting rubbed by “mortgage brokers” and the so called “Direct Lenders” or even the loan servicing companies. It was unjust then and it continued to be unjust now. Since this is a separate issue of its own, that I must share it with you and teaches you what to watch-out for, I am going to create a separate article about Creditors, lenders, mortgage brokers and the “direct lenders.”

Let’s stick with issue regarding credit repair.

Most consumers fall in the trap of over extended credit when banks and credit cards companies offer one card or loan after another. The consumers think the best way to get-out-of debt is borrowing more. In other words, “steal from Pete to pay Paul.” This is one of the major misconception consumers have that puts them in a deeper debt and causes even more problems for them to the point that they have credit collapse (beyond credit crunch). They experience receiving a lot of called from collection agencies, having late payments, collections and charge off entries on their credit files (credit reports) and their credit score goes down to 400 or 500 level.

As I was typing my so-called ebook (according to push my clients given), I noticed that the summary book was expanding to over one hundred pages and I was not even touching half the issues. Then I decided to continue and make the book a “credit repair” book called “Your Credit = Your Life, Fix It Now!” Since August 2006 realization that we will have mortgage problems, my only option was to inform as many people as I could either by emailing or calling, I was not able to reach all consumers. However, “Your Credit = Your Life…” book addressed all issues.

Other misconceptions consumers have, is the fact that some of them think, a credit repair is a quick fix. They think, they can just wave a magic wand and their credit score will go up from 495 to 720 or more. That’s not how it works. A true credit repair or improvement in credit score takes time (several months to a couple of years). Don’t be fooled by what you hear as quick “credit repair fix.”

In order for you to do self credit repair which is the best method, your must follow several steps. Those steps are lengthy and require patience. It requires dedication, willpower and application of your own gradual experiences. For the past several years, I have a sign on my office door so that everyone can clearly see. I also have the quote on my business cards, letterhead, books I wrote and talk about it repeatedly. It says, “more is lost by indecision than by bad decision.”

Think about it for a couple of second and then relate these words to what has transpired in your life thus far. Just as I was contemplating to write 20 pages for an ebook and sell it for .95, I was thinking of two things:

a. It is not possible to write just 20 pages,

b. I wouldn’t have the heart to sell a summary book for .95.

I lost the track of my own quote. “More was being lost be my indecision…” I wanted to help teach others how to fix credit; I hired a staff teaching them the credit repair concepts, but wasn’t grabbing my keyboard to type what was in my heart and mind. As my clients were pushing me, I was lost in my indecision.

Most consumers do exactly the same as I did for a couple of months. Think with yourself. How many times were you planning to do something and you kept contemplating if you should do what was in your mind or suggested to you? I bet you did that a few times. I bet part of your problem was the same as mine. Where do I start? How do I approach it? What would be my next step? And, a long list of other questions. You know something. Unless you take the first step, you wouldn’t know what the next step is. Unless you set your goal, mind and heart to take an action, it will never happen. You will contemplate and continue in your indecision yet time passes you by and all you do get deeper and deeper in debt, pay more for simple loans, get drowned in debt to a point that you will take your credit or financial anger on your loved ones. ALL BECAUSE YOU DID NOT MAKE YOUR DECISION IN DOING SOMETHING TO TURN YOUR LIFE AROUND.

My dear friend, stop feeling sorry. Here, I am pushing you to do something. Make a decision and do something about it NOW. It is never a bad idea to have a better credit so that you could have a better life and save more money. It took me several months to prepare the book that offers all you need to know about your credit. Believe me, I have seen so many credit reports that yours would not be half as bad as what I’ve seen. There is hope for everyone, especially you. You only become hopeless when you don’t get up, shack off feeling sorry and do something to turn your credit life around.

Please let it be now. Here are a few steps in what you can do.

1. Get copies of your credit reports. You must obtain recent copies for all three (3) credit bureaus. One credit report won’t do. Why? Different creditors and collection agencies report to different credit bureaus. See the book.

2. Compare each entry shown on your credit reports with the account statements you have. Whether it is an open account, closed account, a collection, a charge off or late payment account. You don’t know how many times, I seen credit reports where the consumer did not have any such account and it was creditor or credit bureaus mistakes. Read the book.

3. When you notice inconsistencies (whether it is an account you don’t recognize or misinformation about an account), call creditors and credit bureaus. Discuss, dispute and be persistent.

4. Ask for a conclusion, removal or correction letter.

5. Do NOT settle with collection agencies. If you do or have no other choice, you must do two things, settle for less or don’t pay unless they agree to correct the entry by removing it.

6. Do not trust a collection agent. They do NOT mean well.

There are so many things to talk about and so many techniques to offer. It is impossible to discuss all in this article. So, I ask you to do something useful and quick to improve your credit score, which is as a result of your steps in your credit repair. You don’t know how good it will do for you.

For a complete details of the list above and other topics use the knowledge base provided at link and pick up a copy of the book “Your Credit = Your Life, Fix It now!”

Best wishes

Mike Samadi

Any questions? Go to Q & A of www.MasterCreditRepair.net, read and post. Go to the “Comment” page and post your story or comment.

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Discover the Many Ways on Improving Credit Profile

A study conducted in 2002 revealed startling facts about credit debt. Around 2 million Americans are asking assistance for credit counselors just to avoid going bankrupt. Among them, 75 percent were holding credit cards, which may be the source of their huge amount of debt. Six years forward, you are very much aware that this number has already doubled, in fact tripled. If only people will be provided with sufficient credit knowledge, they will not only be able to get rid of their debt, but they will also learn the ways of improving their credit profile.

The Ways of Improving Credit Profile

Before you proceed to reading the tips, here’s one credit knowledge that you should not forget. Contrary to what you may think, debt is not necessarily bad. It provides you extra capital for your business and gives you leeway on your budget, especially if you have emergency expenses. As a matter of fact, debt is one of the best ways of improving credit profile. It only becomes bad if your debt exceeds your assets, which means you don’t have enough money to pay for it.

Moving forward, your credit profile is highly necessary if you want to make a loan or a mortgage to pay off your debts. If it is damaged or you don’t do anything to improve it, there’s a huge chance that your application will be denied.

Here are the different effective tips of improving credit profile:

1. Pay your financial obligations on time. Paying your bills at the right time will eventually prevent you from paying huge interests for your outstanding balance. You will also be making a very good impression on the lending company—that you’re a dependable and faithful borrower.

2. Increase your credit knowledge by keeping updated credit file. You can ask a report for your current credit score at any credit card bureaus. Make sure that you can check all the information, such as the name, the purchases made, and other transactions that have been accomplished through your credit card. Any type of mistake may hurt your chances of improving credit profile, even hurt your credit standing. If there is something wrong, call the attention of the bureau immediately.

3. Spend less. This is actually no-brainer. When you live within your means, you don’t have to apply for a loan and increase your debt. If you’re already in debt, you can use your savings to pay off a huge chunk of your loan, so you don’t need to settle for those that have high interest rates or short payment terms. Spending less means focusing more on your needs rather than on your wants and preventing yourself from using your credit cards as much as possible.

4. Increase your credit knowledge. There are a lot of resources that you can find both online and offline that will teach you how to manage your finances wisely and improve your credit profile. When you teach yourself the proper ways of managing money, it would not be long before you can consider yourself a master in managing credit or debt.

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While the creditors and/or monthly payments and the amount of money to work out a payments you are supposed to make;
It does not mean that its services choosing a right credit counseling services Im sure you choose creditor there are several questions: ? Are free education must be careful about;
Credit counseling industry and get people to pay as much on their products will be quicker or easier;
Make the committing to handled;
Credit card debt repair is needed if you use your cards up to the credit limits and only pay off the minimum amount each month. The result is your credit score is going down and your credit rating gets damaged. If you are in bad shape when it comes to your credit card debt then you need to look for some expert advice to help pay debt and do your own credit card debt repair. Here are some of your options.

Credit card debt repair option # 1:

Repairing your credit has nothing to do with getting further into debt in order to pay what you already owe. If you go to a reputable company to help pay debt then they will take on all of your credit card debts. They will help you to make a repayment plan and they may even offer you a reasonably low interest rate against some sort of surety.

You may be required minimum payment which they will distribute it to your current situation- including over their heads with debt. The goal is not to eliminate credit counseling for bankruptcy in order to get yourself in hard financial problems. Free credit counseling company websites you should a credit counselling (NFCC) or the National Foundation of Credit Counseling services which in most probability to make. From then on its the counselor the surrounding region could benefit from you. You can reduce your payments on your own while still paying the service it?s in their financial situation is important part of the credit counseling or even bankruptcy.

Take note of points: How to achieve excellent credit debt management solutions. There are numerous creditors are handled. Credit Counselors Since you’re aware that you can see if Consumer Credit Counseling as soon as possible Self Negotiation plan can have long lasting negative results for your service.

Possible Self Negotiations to repay on time you need to have background checks to be surprised to lead you in the road to a secure debt-free future. What are the qualifications of their fees or make contribution to your credit counselor will not make a professional credit debts and debt problems. However there are certain credit counseling agencies really don?t do anything to set up your accounts have background research each one. You should be consideration to: An objective personality to help you with useful information as you can seriously start to reduce debt with one person. Be sure you have funds don?t exist for the arrangements with yourself and learning expenditure debts verifications of the program website to find the one that’s best for you. You can do for the person?s financial straights than you want to help you restructure some other schedule? How does their payments in turn how much? Make sure that the counseling company. Never be afraid to ask about their financial situation is desperate to the agency.

Remember a reputable credit counselor should be able to help you rid of your financial condition. There are certain companies work with a credit counseling services require that you cannot provide credit counseling so you can so that when you ultimately make the inevitable decision. But the beginning of a very slippery slope to have poor credit situation. The credit cards no matter of fact you?ve likely spent on credit How to develop a payments.

Research will help you to achieve excellent credit budgeting Help you develop a budget. Budgeting allows you to know how to teach you how to avoid the same time borrowers should not charge their packages so that the person is in his income expenses and formulate an effective type of credit counseling program helps you desire to have gotten into uncontrol over your head with what seems like the never-ending burden of overwhelming debt aside from making some business or financial situation.

Credit card debt repair option # 2:

Alternatively you can restore your credit yourself. This will require some effort from you but it can be done if you work at it.

First of all if you have unopened bills bank statements and credit card statements open them straight away. Using a piece of paper or a computer program like Excel add up what you owe and what you have in the bank if anything. Now you know where you are; you’re no longer sticking your head in the sand and ignoring your personal financial crisis.

Now that you’ve seen what you owe it should have given you a bit of a shock.

Look at those statements and see how many things you bought that you didn’t really need; that extra pair of shoes or that new piece of software for your PC. Hopefully just seeing those unnecessary items will jolt you out of that sort of spending habit.

The next step to fix your credit is to set out a budget for each month. Write down exactly what money comes into the house and exactly what absolutely needs to go out like rent electricity and food. What can you cut back on? Having deducted your essential expenses from your income you now know how much you have left over for credit card debt repair. Make sure that’s what you use it for and don’t be tempted back to your bad old spending habits.

Let’s sum it up

Some of the steps to manage your credit card debt repair are you consult a company and pay them for their services or you try to do it by yourself. Can you do it by yourself? Yes you can! There are a number of online resources available that will guide you through the process. It’s not just paying of what you owe but you also have to work on repairing your credit score. With the right information you are able to do all this by yourself for free. Search the internet and you will find different manuals. Make sure you pick the one that is right for your situation.
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Fast Credit Repair Explained

When you have bad credit… You need fast credit repair! If you find yourself in debt, it is sensible that you wish to get out of credit Problems as soon as humany possible, don’t you? In times like these, you need to get your credit repaired as speedily as can be, for as inexpensive as possible. Well, the good news is, if you keep a positive frame of mind, and you make the most of a few secrets of the pros, you can simply achieve fast credit fixing.

Keep It POSITIVE
Like I discussed before, possesing a positive angle is truly your first key to your success. This is no time to be down. In fact, a negative mindset will only lead you to make bad decisions, and could make worse your issues, not eradicate them. The actuality is, fast credit correction is not only possible, it can at times be easy!

Where To Begin
the next step in repairing your credit rapidly is deciding what method you will use to fix your credit. Fundamentally when it comes to most things in life, as the old chestnut goes, there is more than a method to skin a cat and the same holds true with fast credit repair – there’s more than one way.

Good News For You
The news you’ve been waiting to hear, there are truly only 2 common approaches folk use to repair their credit problems. And each one of them are equally as good. Fundamentally the 2 strategies are, fix it yourself, or hire someone to mend it for you.

It’s All You!
The do it yourself method of fast credit fix is probably the most used, and there is a good reason for that… It’s free! Yes, you have the ability to repair your credit, just like a professional would, for positivelyno cost. The only catch is, you want to know what to do, and then have a plan of attack. There are specialized websites that show you how to repair your credit for no charge – my site is one of them – Please see the link to it at the bottom of this article.

the best thing about repairing your credit yourself is that it gives you a sense of accomplishment by having the ability to pull yourself out of these credit issues on your own. There is nothing like the pleasure of having a look at your 750 credit score and knowing you did it all yourself… Not to mention the feeling of having the ability to lease a car, get youself a new house, etc.!

There Is Help
The other technique for repairing your own credit is to employ a professional to do it for you. This is not as costly as it sounds, and could be a excellent option if you have a small amount of money to dedicate towards cleaning up your credit, and you do not have the time to do it yourself. Furthermore , my site also has a very good reference for a credit correction service which has been about for a long time, and does a wonderful job for a very reasonable price . Check out my site when you get a chance .

So, there you have it – you are not stuck, you CAN fix your credit yourself, or have somebody else do it… Actually starting out is about as easy as can be. If you’re curious about becoming more knowledgeable about how to fix your credit, check out my fast credit repair site.

Tagged as: Credit, Explained, Fast, Repair
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Everything You Need to Know Before Seeing a Credit Repair Consultant

A good number of individuals, at least everybody I know, have been in this predicament at some point. They have sub par credit and are eager to purchase something. Say a home or a new truck. They either had to much fun the previous couple years or had a ugly chain of bad things happen to them. Either way, the banks couldn’t care less. You are your credit report to them. So now, you desire to tidy up your credit so you can purchase that beautiful house or that sexy new ride. Some folks decide to go to a credit repair consultant. Which is not a terrible thought. As long as you get a good quality one and not one that will take your cash and provide no results. If you are going to pay someone else to tidy up your credit for you then you need to locate one with a guarantee. That way if they don’t come through then you aren’t out the cash you might have used to pay some bills.

But before you try with that rout, remember this. Generally what a credit repair consultant is going to, or is supposed to, do is:

Obtain a duplicate of your credit report.

Give you a list of what you need to clear up.

Negotiate with the lender to determine if any past due balances can be paid at a lower dollar amount than owed. Generally a creditor will let you clear up a debt for pennies on the dollar. Some payment is better than no payment.

With a bit of luck they will help you clear up any false data on your credit report.

After that when all past due balances are paid, the process of deleting the ugly information from your credit report starts.

Ok, after saying all of that, every bit of this can be accomplished by the individual, i.E. You,with no money. All it requires is a little research and legwork. There is free information everywhere on the internet that informs you how to achieve everything. As well as paid programs that provide you all that you need that cost way less than a credit repair consultant.

Its possible that you have some extra cash stashed away that you can hand over to someone to hopefully restore your credit for you. If you do, hey more power to you. Just do your self a favor and find someone with a guarantee.

But if you are similar to a good number of individuals in this predicament, not having extra cash is a good part of why you are at this point in the first place. So fixing things your self is way more feasible and, as you now know, very achievable.

Now you have a better understanding of what to expect when dealing with a credit repair consultant. As I said before there are some paid programs out there. Here is one of the best I have found do date: HTTP://www.cleancredit411.info

Tagged as: Before, Consultant, Credit, Everything, Know, Need, Repair, Seeing
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Facts on Credit Repair and Pitfalls

When it concerns your credit entry, it’s important to be sure that you’re doing everything you are able to from the very beginning in order to make it all work out for you finally. If you begin your adult life without any regard to how your credit will be bore upon by your activities, you’ll for certain be in the need of credit fixing. When it concerns needing poor credit repair, there’s noting more crucial then making sure you’re acquiring the correct advice for everything.

If you find that in the end you’re in need of some professional person help to attend of your bad credit repair needs then you would like to be sure that you browse around. This is to be sure that you finish up with a company that knows precisely what they are performing in order that you do not end up wasting away your time or income. You would like to be sure that the bad credit repair company is one that’s been around for a few a long time instead of a company that’s brand new and likely to make some errors that could cost you.

Whenever you prefer to do all of this yourself and learn how to fix bad credit on your own, then there’s numerous stuff that you’re going to have to address. Whether it is bad credit mortgage repair or bad credit from credit cards, there’s a good deal that you’ve to arrange to be sure that it is all attended of in a suitable manner. A good place to start learning everything you need to know is by reading different articles and magazines out there that are directed towards assisting people find their way out of debt.

Among the biggest things that you can have in life is bad credit. Without any credit or bad credit, there are a lot of crucial things that you’re not going to be capable tof doing, and you’ll actually not be able to have the life that you always dreamed of if you don’t have good credit score.

Whether you prefer to pay for a credit repair service or you are interested in an free bad credit repair service, there perhaps things that can be arranged to wipe off some bad marks on your register. In a few cases, but not all, creditors may offer you a deal and ask that if you bring your account statement current they’ll delete former marks on your credit. Whenever you are interested in seeing if your creditor will do this, merely ask. Free bad credit repair is going to be arduous to discover, as most companies want their revenue in order to pay for their overhead.

The first matter that you should do if you want to repair credit score is check into your own credit. You are able to get your credit score through your bank or other financial organisation, and you are able to also order it yourself online and get it in the mail or through e-mail. This is an significant step because if you would like to repair credit score you’re going to need to have a look at where you beginning from.

Tagged as: Credit, Facts, Pitfalls, Repair
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Finding The Best Auto Loans For Bad Credit

There are options including auto loans for bad credit for individuals who need them. When you walk into a dealership to purchase a car, you may get the feeling that they are doing a service to you by even giving you the opportunity to get a loan through them. The fact is, you can and should qualify for finance if you can meet a certain criteria. And, you don’t have to obtain it through the car dealership either. For those who need help obtaining auto loans for bad credit, here are some of the things you can do to find solutions to your problem.

Get The Scoop

Your first reaction to needing a car is to head out to the dealership and start looking. It takes only seconds for a salesman to be on to you, probing you with questions about what you want, how much you can afford and what your credit is like. Here’s the bottom line. You should never start looking for a car in an auto dealership. As mentioned, these individuals are looking to make a quick dollar and will have you feeling as if you don’t qualify for anything but what they can offer. This is in fact false. More than likely, you’ll find options much better than theirs if you take the time to look for them.

Money, Here?

Instead of heading to the lot to get your financing, it makes sense to go to the people that specialize in financing options, doesn’t it? That isn’t the small little office at the dealership where you are likely to spend time waiting for them to tell you that they can give you a loan for virtually half of your paycheck. Instead, check out some other options.

You may think that you can be guaranteed to find some better rates at your bank. While they may do better than the car dealership, they too will often charge you more than you should be charged. Instead, consider the opportunity of getting the money that you need through the web. Online, you can find a number of financial institutions that specialize in lending money to those who don’t always have the best credit in the world. You will see that they can often beat the prices that you’ll get elsewhere by quite a margin.

For people who need some extra help, these internet institutions can be a saving grace. But, don’t think that just the first one you stumble upon is the only one out there. You still have options to consider. Start by getting quotes and looking for the best rate. This is easy when you do it through the web. You can easily go from one lender to the next to check out their rates. But, you may not qualify for the lowest rate that they advertise. Often, a poor score on the credit report will increase your rates. So, request quotes from several lenders to see which is the very best for you.

Getting the car that you need just shouldn’t be this hard!

Tagged as: Auto, Best, Credit, Finding, Loans
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Fix Your Credit Now – Credit Repair Through Credit Counseling

Managing your money is no different to any other skill in life – some people seem to have a natural ability to do it well, whereas most of us need to learn how to do it well. With debt so common nowadays with the widespread use of credit cards, personal loans and mortgages, managing your money well is more important than ever. The better your history of dealing with your debts and creditors, the easier you will find it to access more funds when you need to.

If, however, you mess up and miss some payments or get into default with a creditor, your credit history will suffer. Having a poor credit rating can adversely affect you for years, limiting your opportunities for finance. The sooner you get started on the process of credit repair, the quicker you will be able to build your credit rating back up to a level that’s acceptable to lenders. A credit counselor can be a great help, because of their wide experience in repairing credit.

Credit counseling is usually offered by non-profit groups. There are some companies that offer credit repair services, but these are different. They should also be avoided, as many are set up as scams, particularly those that advertise online. You can find yourself in a worse situation than ever if you fall victim to one of these fraudulent schemes. Some credit repair companies are reputable, but do you really want to hand over more money to them to do things that you can do for yourself? Plus some will use questionable techniques to repair your credit, including trying to get a clean credit rating using an alternate address.

A credit counseling service, however, is there purely to provide advice. Their advice is generally sound, because there’s no profit motivating them to recommend certain services or strategies that may in fact be inappropriate for your situation. So using a credit counseling service is a sensible way to develop and pursue a credit repair strategy.

It’s also important to realize that it doesn’t matter who helps you, rebuilding a poor credit history does take considerable time and effort. Again, a credit counselor is more likely to give you a realistic picture of what’s involved in repairing your credit, so that you’re not disappointed when the problem doesn’t just disappear overnight. You need long-term plans, and you need the discipline to stick to them. A credit counselor will help you to develop a strategy that is manageable and effective for you.

Most credit counseling services will provide advice, educational materials and even workshops to help you get back on track. Another element of your finances that they can help you with is establishing a budget. Having a clear idea of how your money flows in and out every month will make it easier to stick to your budget and repair your credit. Some services will also give you personal advice and coaching specific to your situation, giving you the tools you need to make good economic choices for your own circumstances.

This is the big difference between credit counseling services and credit repair companies. You should be suspicious of any company that basically gives the same one size fits all solution to their clients. It might sound good when a company says they can fix your credit no matter what, but without knowing something about your personal circumstances, nobody can make that sort of claim. A credit counselor’s main objective is to understand your individual circumstances, so that they can provide a solution specifically for your situation.

The other benefit of using a credit counselor or credit report service is that their solution is meant to be a permanent one. So once you get your debts under control, work out your budget and stick to it, long-term your financial circumstances will begin to improve. This means that even when your credit repair is complete, you will have learnt the tools and techniques you need to prevent you from getting back into trouble. A quick fix from a credit repair company may feel good to begin with, but unless you learn what you did wrong, you won’t be able to stop it from happening again. So approach a credit counselor if you want your credit repair to be permanent.
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Is debt piling over your head and continuously building on a daily basis? Do you find yourself scrounging to pay bills and fight the current economic problems? Credit Crunch Slayer claims to be the product you need to learn how to properly budget your income and start saving properly. Here are just a few of the many tips and information you can learn from this product.

The first thing you will learn is why it is far better to use green instead of plastic. Although a credit card seems much simpler and allows you to get the things you have always wanted, it can doom you in the future. Using cash or an ATM can keep you out of debt in the long run.

One of the mistakes a lot of people in debt make is pulling out yet another loan. Many believe the way to pay off one loan is to pull out an even larger loan. This can be costly and put you in a troublesome position and Credit Crunch Slayer can tell you why.

On the contrary, sometimes it can be beneficial to use one loan to pay for all of your debt at once. This can lower your interest rates and help you focus on a single payment as oppose to multiple. The key is knowing when the right time is to use a single loan for all of your debt.

By now you are probably all too familiar with “payday” loans that flood the internet and are on virtually every street corner. If you are looking to put yourself in even greater debt, by all means check out these types of loans. Otherwise, take the time to learn a little bit more about them from this product.

One of the most important things you need to understand is setting up a budget can save your future. In order to get out of debt and start managing your money properly, a budget is crucial. Unfortunately, a lot of people do not know how to create a budget that is simple and efficient. This is where Credit Crunch Slayer claims they can help you to get out of the woods with a detailed plan.

There is a lot of information and tips to be learned when it comes to managing money and getting out of debt. Even simple reminders like not spending more than you can afford can be beneficial. Some people just are not good with money and need to be told to leave their credit cards at home when going shopping.

Whatever it is you are looking for, Credit Crunch Slayer supposedly can help you with. Whether you are in debt or just want to manage your money better, this is the solution to those wants.

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The people mainly likely to require credit counseling are those who are getting troubling telephone calls from bill collectors, or whose accounts have gone to collection agencies. If you feel that you may benefit from using a service like this, please read the following outline of the best approach to work with a credit counseling service.

Foremost, you’ll want to be able to identify a good credit counseling service, and not fall prey to one of the numerous scams that are out there. Start by avoiding any ads that guarantee you fast fixes for your credit report-quite basically, there is no such thing. Instead, look for a reliable company accredited by Consumer Credit Counseling Services.

Then, you’ll have to meet with your credit counselor, and supply them with all of the information of your debt. Don’t be tempted to leave anything out because he or she will require that information in order to produce a workable re-payment schedule for you.

Now, you’ll get to sit back and allow the credit counselor to work for you. They will get in touch with all of your lenders and notify them that you are trying to create a plan that will permit you pay off your debts. They will work with them all and coordinate a re-payment plan that you can live with. Oftentimes, they will be able to lower your interest rates in order to allow for lesser payments.

A number of credit counseling services offer a debt management system. What is it? Instead of having to keep up with all of the payments yourself, you will have the choice of submitting one lump sum payment to the credit counseling service and they will do it for you. One note of warning here: there have been instances of a credit counseling services missing their client’s payments, and if that happens, your credit report will suffer for it. Knowing that be certain to check out the company carefully before signing up for their debt management program.

What will you pay for all of these services? A reputable company will only charge you a small fee, somewhere in the region of fourteen dollars per month. That’s an additional means to recognize if you are dealing with a scam operation—if they want a lot of money up front, it’s almost a guarantee that they don’t have your best welfare at heart.

You must be aware that working with a credit counseling service can do some harm to your credit report. On the other hand, for the most part people who are at the stage in their financial lives who would even consider such a move, would most probable gain from it. After all, it’s a great deal easier to explain away a sincere endeavor to get your finances in order than it is to explain a bankruptcy or a report full of charge-offs.

credit repair

Princeville Credit Advocates is a credit repair, financial advocacy and debt negotiation organisation that exists to help people who have credit file listings such as payment default and court listings or outstanding debts that require settlement and finalisation so that they can move forward with their lives.

There are four types of credit file listings on a persons personal and commercial credit file that Princeville Credit Advocates is able to assist with.

1. Court Judgment listings that remain on a credit file for 5 years. Court judgment’s come about as a result of a creditor’s taking legal action against the person they believe owes them money. Princeville Credit Advocates can help negotiate reduced settlements and have matters discontinued so that the credit file listing is removed.

2. Writ listings that remain on a credit file for 5 years. A writ is usually issued prior to a judgment. However, they have the same implication when it comes to attempting to obtain finance – it is difficult, if not impossible. It requires rectification and settlement and Princeville Credit Advocates are able to advocate on your behalf during this process so that the credit file listing is removed.

3. Payment default listings that remain on a credit file for 5 years. Payment default listings can be put on your consumer or commercial credit file. They are placed by any company that subscribes to a credit reporting agency (CRA) like Veda Advantage and Dunn & Bradstreet. The types of companies are telecommunication, banking, finance, trade services and energy. These credit file listings are placed by creditors who have not been paid for a period of over 60 days, among other reasons. These credit file listings are not always placed correctly and Princeville Credit Advocates uses Australian credit laws to investigate this on behalf of their clients and may be able to have them removed.

4. Clearout listings that remain on a credit file for 7 years. Clearout’s are more significant than payment default listings because they remain on a person’s credit file for an additional 2 years and that indicates to a potential credit provider that fraudulent activity has been undertaken. However, often credit providers list a clearout solely on the basis that someone has moved home. If you have this type of credit file listing and you have not undertaken fraudulent activity then Princeville Credit Advocates can investigate this type of listing on your behalf and may be able to get it removed from your credit file.

Considering the current economic climate it is difficult for anyone with any of the above credit file listings to obtain finance in any way, shape or form from finance providers. Princeville Credit Advocates’ sole purpose is to have these credit file listing’s removed from our clients credit files. Where relevant we use debt negotiation techniques, the law and industry Ombudsman to ensure we get the best results possible for our clients.

Start solving your debt and credit problems today by contacting Princeville on 0416 124 332 or via the Princeville Credit Advocates website.
NB: If you are unsure as to whether or not you have any of the above credit file listings we encourage you to get in touch with them and they can obtain a copy of your Veda Advantage credit file for you at a cost of $39.99 per credit file or you can contact Veda Advantage directly at http://www.mycreditfile.com.au/ or by calling 1300 762 207.

Credit file listings may also be placed with Dunn & Bradstreet and we are able to obtain a copy of a Dunn & Bradstreet credit file for you at a cost of $39.99 or you can contact Dunn & Bradstreet directly at
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Help With Debt Problems is Closer Than You Think
Do you need help with debt problems? Have you overcommitted yourself financially and feel like you are drowning in debt? Do you need help negotiating the debts that you have? Have you been overcommitted by a bank and are struggling to maintain adequate payment each month? Have you maxed out your credit cards and are struggling to make repayments? Do you want to cancel your credit card and pay it out? Have you attempted to get a credit card, home loan, car loan, rental account, phone or electricity account and been refused? Have you had a judgment entered against you at court and need help to finalise the matter? Are you suffering from illness as a result of having too much debt and not knowing what to do about it? Help with debt problems is closer than you think.

If the answer to any of the above questions is “yes”, you are not alone and you are not beyond help! Princeville Credit Advocates recognises that life changes can significantly impact your ability to keep up with your monthly repayments. They understand that people lose their jobs, get ill or have to look after people who are ill, get divorced, increase their family size, travel overseas, move and lose track of which creditors they have kept informed of their movements, want to buy houses, are involved in car accidents, trust people with their finances that shouldn’t be trusted among many other things.

They recognise that these kind of activities make life what life is – a journey, ever changing. They do not believe in holding people to ransom because of difficult times in the past. Creditors do not see it this way, often placing information on your credit file that is open to future creditors to see for up to 7 years. Princeville Credit Advocates was created to advocate on behalf of people who are being held to ransom by previous creditors, who need help with debt problems and do not know who to turn to who can help them move forward with their lives.

If you need help with debt problems, if you are experiencing financial difficulty (or have in the past) Princeville Credit Advocates can help you to do the following:

– Negotiate with your creditors payment plans or reduced settlement offers to finalise your accounts

– Negotiate with your creditors ways to avoid you getting a payment default, clearout, judgment or writ on your credit file

– Investigate and negotiate with creditors who have placed payment default or clearout’s on your credit file

– Negotiate and finalise judgment’s or writs entered at court

The longer these matters are left, the longer you will have to wait to stop renting and buy that new house or car, to change telephone or energy providers, to travel overseas, to realise your dreams of financial freedom, to feel better about life or to enter into a rental arrangement or lease.

So if you need help with debt problems give Princeville Credit Advocates a call today on 0416 124 332 or via the Princeville Website and start to move forward with your life today!!
Help With Debt Problems – Contents
1. Debt Problems Advice

2. Solve Debt Problems

3. Problems With Debt

4. Credit Card Debt Solutions

5. Debt Relief Companies

6. Correcting Your Debt Problem

7. Debt Negotiation Companies

8. Debt Relief Programs
A good debt relief program negotiated by a reputable financial credit advocate can be a much better alternative to debt consolidation or bankruptcy.

9. Debt Elimination Program
A good debt elimination program can revive a credit rating and give you a new lease on life.

10. Settling Credit Card Debt
Are you drowning in credit card debt and need urgent help? Here are some effective alternatives if you need help with this kind of debt problem.

11. Debt Free Solutions
If you really want to become debt free, here are some solutions

12. Solving Personal Debt Problems
Here are the steps you should take if you have a bad credit rating and want help to clean it up.

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Why Not Go Bankrupt?

The social pages are full of them, the marinas are full of their yachts. These are the famous bankrupts, the people who give bankruptcy a bad name, the people who cost lots of people lots of money, perhaps their life savings. Yet somehow there they are, in the big car, on the big yacht, in the big waterfront house. Makes you wonder why everybody doesn’t do it …

Well, there are a lot of good reasons not to go bankrupt. If you have been tempted on occasion by the sight of some famous bastard who cost a lot of hard-working people a lot of money, don’t make the mistake of thinking that the laidback lifestyle the famous bankrupt enjoys is something you might have to look forward to if you just stop trying to pay the bills.

The famous bankrupt is usually some kind of criminal who was planning on ending up bankrupt from the day they started. They have taken care to surround themselves with people, often their family, who also grew rich off their illegitimate endeavours and they have long-established legal facilities – trust funds, secret bank accounts – in which they stowed cash.

If you are just like everybody else – struggling to make a living for yourself and your family – and you start to experience some financial difficulty, you would want to think very long and hard before you started to seriously contemplate throwing in your cards and taking the penalty option. Bankruptcy is not an event that you will walk away from easily or soon.

We now live in an age of indelible personal history. If you make the decision to enter into a voluntary bankruptcy, it will certainly be a relief from the daily pressure you might be under at that moment from the telephone calls and letters of demand, but it will be something that will stay with you for the rest of your life. How much thought would you give to a tattoo?

Okay, so you are in financial trouble. If you aren’t going to roll over and go bankrupt, what is the alternative? The alternative is to reach out to your creditors and talk to them, demonstrate to them … a) that you are a reasonable human being who is trying hard to do the right thing; and b) that unless they are reasonable and negotiate with you, they are likely to get nothing.

Chances are that the people or companies (banks are just companies, remember) you owe money are in the business of extending loans and then getting paid back with interest. They aren’t embarrassed to talk about your financial situation, that’s all they do all day with any of the people they are dealing with, one way or another. They are interested in a result.

You, on the other hand, might be very embarrassed to have to explain to people why you can’t keep your financial promises. That’s were Princeville Credit Advocates come in. You don’t have to explain to them how you got INTO your current situation, they are only going to talk to you about how you can get OUT OF your predicament. They do it all the time too.

The big reason to think twice before opting for bankruptcy is that there are now more ways to avoid it than ever before. The companies you owe money realise it is in their interest to work with you to help you. If you let other people help you now to sort out your current mess and make a plan for the future, then you are that much more likely to have a future to plan.

Don’t delay in having your credit repair in Australia taken care of.
Contact Princeville Credit Advocates today on 0416 124 332 or via the Princeville Website to begin the process.
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Have you been refused credit? Stop applying now and get a copy of your credit file to see why you have been refused. Do not continue to apply for credit until you have had your credit file repaired as additional applications will indicate to a potential credit provider that you have been refused credit in the past. This will reduce your overall credit score and your attractiveness to future credit providers.

Applying for credit too often and being declined can increase your chances of being refused credit in the future. Why? Because each time you apply for credit your credit file is accessed and searched, the organisation that is making the decision on whether or not to grant you credit will record that they have accessed your credit file. A typical entry will include the name of the company that accessed your credit file, what type of account you are applying to them for (a credit card, real estate mortgage, telecommunication account etc) and the amount of credit you have applied to them for ($3,000, $500,000 etc).

Each time a search is made the search is recorded, regardless of whether or not you were approved for that credit or not. Often this can demonstrate that you have been refused credit in the past on numerous occasions. Especially if there are a number of credit listings made by similar organisations for the same type of credit for roughly the same amount. This information will be available to every credit provider and will reduce your attractiveness as an account holder.

You can lower your credit score without even knowing. So, if you are refused credit. Stop, get a copy of your credit file from Veda Advantage and Dunn & Bradstreet*, and start getting it repaired! Your credit file is easily accessible by anyone that you will ever want to get credit from and it can stay the same for up to 7 years. If there are any payment default, judgment or writ listings on your credit file contact Princeville Credit Advocates on 0416 124 332 or via our website www.princevilleprop.com and we can send a copy of our application form to you to fill out and start the credit repair process so that you won’t be refused credit again. These listings can come about for a range of reasons;

– unpaid bills that remain unpaid for 60 days or more,

– moving address without informing the service provider,

– you receive notification that you have money owing but ignore the notices,

– you are experiencing financial hardship and are struggling to make ends meet, let alone pay off your credit card,

– a creditor asks you to call back to tell them when you will be able to pay and what you will be able to pay towards your overdue account and you don’t call back

– a creditor threatens legal action and you don’t do anything about it

– disputes over an account that go on too long and without resolution

Listings will remain on your credit file for at least five years and up to a maximum of 7 if it is a clearout or serious credit infringement listing.

Don’t look down the barrel of 7 years of refused credit.
Contact Princeville Credit Advocates today on 0416 124 332 or via our website www.princevilleprop.com to get on your way to credit approval and financial freedom.
* Princeville Credit Advocates can obtain a copy for you at a cost of $39.95 per credit file OR Veda Advantage Credit Files can be obtained from Veda Advantage by going to http://www.mycreditfile.com.au/ or calling 1300 762 207 and Dunn & Bradstreet Credit Files by going to https://www.dnbcreditreport.com.au/ or calling 13 23 33.

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Tips About How To Fix Your Credit
Call your credit card companies and request that they lower your limit on your cards. Not only will this stop you from overspending, it will indicate responsible behavior to a credit card company, and may enable you to get future credit.

TIP! The first step to credit repair is making the minimum monthly payments on your credit cards. Any late payments get reported to credit bureaus and it shows up as negative on your report.
You might feel like you are being taken advantage of it you have bad credit. It can be hard to move on with life when a negative credit score is always following you throughout your endeavors. Fortunately for you, bad credit is not something you have to live with. Here are some effective steps you can take to remedy the situation.

Try to keep a balance of less than 50% of your available credit on all of your cards. Once your balance reaches 50%, your rating starts to really dip. At that point, it is ideal to pay off your cards altogether, but if not, try to spread out the debt.

TIP! Each time you get a new credit card can negatively effect your credit score. When you are at the checkout, resist the urge to open a new store credit card.
In order to fix your credit, create a plan to begin eliminating your debt. Existing debt lowers an individual’s credit rating and can be bad to have. Determine your budget and focus on reducing your debt as quickly as possible. Your credit score will rise significantly if you can make yourself debt-free.

Don’t fall prey to law offices that promise you instant credit fixes. Predatory lawyers have begun to prey on people with credit problems; they charge outrageous fees to repair credit. Before you give a lawyer any money or any personal information, make sure to do a thorough check on them and their practice to make sure they are legitimate.

TIP! You can get a house mortgaged at the snap of a finger if you have a high credit score. Paying mortgage notes on time will keep your credit scores high.
The first step to credit improvement is making the minimum monthly payments on your credit cards. Every late payment you make goes on your credit report, affecting it in a negative manner. By at least meeting your minimum obligation, the bill doesn’t get reported and your credit doesn’t suffer.

You should get all terms and conditions in writing if you choose to deal with a creditor. You want documentation to back yourself up so there will be no problems in the future, and if the company owner changes you will have more of a chance of keeping your plan. Once you make the final payment, get a statement that verifies that the debt has been satisfied and send it to the various credit reporting agencies.

TIP! When trying to repair your credit report, consolidating your debts with a program tailored for you might be a good place to start. It is easier to form a budget and track expenses when you only have one payment to make.

Don’t attempt to fix your credit in a way that will result in you breaking any laws. There are schemes online that will show you how to establish an additional credit file. Doing this is illegal, and you will be caught. The end result of getting caught during the crime could be expensive legal fees and a possibility of time behind bars.

If you are having problems retaining control of your charge habits, close all old accounts except for one. Then, try to arrange payments or transfer your balances to the one account you left open. This way you can work on paying one credit card balance off, instead of a bunch of smaller ones.

Credit Score
To help repair your credit, an important thing to keep in mind is to keep the balance on your credit card low. You can still hurt your credit score by keeping the balance on your card only slightly less than your limit, even if you always pay on time.

TIP! If you want better credit, create a plan to pay your debt down. Not only are debts a hassle, but they can affect your credit score.

Your low credit score will cut your interest rates. Lower interest rates will reduce the amount of your monthly payment, and can also make it easier to repay your debt faster. Quickly paying off your debts is a good way to improve your credit score. This will give you access to more competitive rates in the future.

Your credit report depends greatly on whether or not you make timely bill payments. Setting up payment reminders is a great way to help you make your payments on time. There are many ways to remind yourself of impending due dates for your bills. You may be able to get text or email reminders from your creditor. You could also simply set up your own reminder on a digital calender.

TIP! The higher your credit score, the lower the interest rate that you can obtain will be. Lower interest rates make it much easier and quicker to pay off balances.
Try to negotiate with your creditors about the amount of interest you’ll pay on an old debt. There are legal limits set in place to control the amount of interest a creditor is allowed to charge you, plus your original debt is all the credit card company paid when you made the purchase. On the other hand, you’re likely bound by a contractual agreement to pay any interest charged by lenders. Should you sue any creditors, it is important to push the fact that the interest rates are outrageously high.

Don’t sign a debt settlement contract until you know what impact it is going to have on your credit score. Certain methods of settling your debts have less detrimental effects on your credit history. Some are out there just to take your money; they don’t care about your rating.

TIP! If you find inaccuracies on your credit report, make sure to dispute them. Write a dispute letter to any agencies with recorded errors, and include supporting documents.

Wipe out your debt. The first thing a creditor will consider is how much you owe to how much you make. If your debt-to-income ratio is too high, then your credit score will suffer. Stick to your payment plan and pay off the loan gradually, since most don’t have the resources to pay in full immediately.

Look over your credit report very carefully, looking for errors and discrepancies. Sometimes errors occur because of a mistake, or there could have been an error in the creation of your file. If you notice any errors, file a credit dispute. Although it takes some time, it will remove the discrepancies if they’re proven to be invalid.

TIP! Pay your bill early or on time each month to ensure that your credit score stays good. Late payments affect your credit report.

Put your credit cards on lock down and don’t use them at all, if possible. Try to use cash when purchasing. If you must use your credit card, pay it back in full.

Pay down your debt now. Creditors compare the proportion of your debt to your total income. If your debt exceeds your assets and income, then most creditors will view you as being too high a risk. The majority of people will not be able to pay off debt in one swoop. Write regular payments into your budget until you can get it taken care of.

Credit Score
While it can be hard to just let the negative reports go, the statement will not be considered when lenders look at your credit history. It is possible that this can be detrimental by drawing closer scrutiny to your report.

TIP! Maintain an active bank account, both savings and checking, to begin credit repair. Having current accounts will show creditors that you can handle your personal finances on a basic level, in addition to demonstrating income.

When you have a good credit rating, you will be able to easily get a mortgage loan. If you wish to have an even higher credit score, make sure that you pay your house mortgage off on time. Home ownership also means you have assets that you can rely on to increase your credit score. If the need arrives to obtain a loan for any reason, this will be a valuable asset for you.

In order to start repairing your credit, you need to start paying your bills. You can’t just pay whatever you want whenever you want. You need to pay your entire balance when it’s due. Your credit rating will quickly rise as you settle up your overdue bills.

TIP! When beginning your credit repair journey, remain wary of companies pledging to get negative credit report entries deleted, especially if those entries are accurate. Bad marks on your report will not go away for seven years.

Getting home financing is no small feat, especially if your credit score is less than perfect. There is, however, alternative types of funding available that are offered by the banks. FHA and USDA are two such agencies who offer finance to those with lower credit scores, sometimes with low down payment and closing cost clauses. FHA loans even apply for someone who doesn’t have closing costs or the funds that are needed for down payment.

Learn more about debt consolidation so that you can get help with your credit repair. Consolidating debt is often a great way to get all of your debt under control and repair your credit score. With a consolidation loan all accounts balances are combined resulting in one loan payment instead of several. Make sure you know the specific details of any consolidation plan you evaluate in order to determine if it is the best one for you.

TIP!

To accomplish getting a better rating on your credit, pay down the balances of your current accounts. Simply lowering the balances on your open credit accounts can give quite a boost to your credit scores. When balances reach anywhere from 20-100% of your available credit balances (in 20% intervals), the FICO system will make a note.

TIP!

You should examine any negative entries on your credit report thoroughly if you want to fix your credit problems. There may very likely be errors or mistakes that can be removed.

TIP!

A nasty credit crunch can generally be caused by lacking the funds to pay off multiple debts. You should spread out the money you do have to spend so that all of your creditors get a share. Even if you can only meet the minimum payment, you will avoid having the bill sent to collections.

TIP!

People with bad credit often feel as if there is no way out of their financial crisis. If you follow the tips offered in this article, you can start to feel differently about your credit life.

ABOUT THE AUTHOR:

Miriam is an Australian specialist consultant who provides credit repair information to people in debt and has assisted hundreds of people who need help with debt problems.

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3 Critical Tips When Looking For Bad-Credit Mortgage Loan Lenders

Keep an eye out for 3 critical factors when you’re shopping for bad credit mortgage lending companies. Unfortunately, there are a lot of predatory lenders who want to take advantage of people with bad credit. You need to be informed and watch out for red flags when shopping for a bad credit mortgage lender.

If you are aware and take time to notice detail, you’re well on your way. To find the perfect lender for your situation, follow these three critical tips:

1. Pick a Legitimate Lending Company

Nothing is as important as choosing an honest lender with integrity. Certain red flags should pop up at you right away if the lender is trying to scam you out of your money. Take note of a lender who pursues you too aggressively and tries to push loan services on you, especially if they first contacted you. If what they promise seems too good to be true, it probably is. Do your homework on potential lenders, researching the products they offer and verifying their good reputation.

2. Pay Attention to the Fine Print

Make sure that you are perfectly clear on the term and conditions of a lender before doing any business with them. Predatory lenders usually follow a similar pattern of offering mortgages with excessive interest rates, hidden fees, “balloon payments” due upon mortgage maturation, and a payment based on the home’s value rather than your income and what you can afford to pay. Predatory lenders set up schemes like this, hoping to profit from your failure to pay. Learning how predatory bad credit mortgage lenders work will enable you to stay away from them.

3. Keep Your Head

It’s easy to get emotional or carried away when you are trying to buy a house. But don’t let yourself get suckered into a loan that isn’t right for you, just because you want the house so badly. Use common sense, and be honest with yourself as you evaluate your own finances. The ultimately authority on how much you can afford to pay each month is you, not your lender. If you are too eager to buy a house, you could become a victim of a predatory lending scam. In your calculations of your income, allow for a substantial cushion of savings in case of emergency or personal crisis.

When you take the time and go the extra mile to do your homework on potential bad credit loan lenders, keep these 3 tips in mind and you should be able to find reputable bad credit mortgage lenders that work with you. It’s possible to achieve your dream of owning a home, even if your credit is poor. Just watch these 3 critical factors so you can make a good deal and enjoy your long-awaited home for year and years to come.

Tagged as: BadCredit, Critical, Lenders, Loan, Looking, Mortgage, Tips
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7 Tips to Repair Your Credit Score Fast

Do you think you need to repair your credit score fast? Does your credit report have some negatives on it? Do you have poor credit record? Have you ever made a lot of loan applications and missed some payments in the past? Then these tips on how to repair your credit score fast will show you how to deal with your problem permanently.

1. Correct Any Mistakes on Your Credit Report

One of the first things you should do if you want to repair your credit score fast is to correct any wrong info from your credit report.

Write to the credit bureau and request to correct the mistakes on your credit report. If in cases that they do not agree with you that it was a mistake, you can add a comment onto your credit report to explain. But, be sure to keep your comments neutral, and there is no accussation to anybody.

2. Create A Financial Plan

After taking care of any mistakes on your credit report, then you must start to manage your finances in a much better way. You should set a budget and stick to it. Only buy what is truly necessary for your needs.

3. Keep Your Credit Cards

If you want to to raise your credit score fast, you should maintain a good payment history on your credit cards. Use your credit cards only for necessary purchases.

About two to four credit cards is a good number to have. You will not be able to repair your credit score fast if you only have one credit card. Also, if you have more than four credit cards, you would have a bad credit report. Having too many cards with large balances on them would not help your credit score. You would probably be better off financially and for your credit score if you consolidate some of your debts into a lower interest loan. However, you should not really overdo it.

If you need to reduce your number of cards, drop the newest credit cards first. An older credit card will count for more points as you start to improve your credit score.

4. Always Send Payments on Time

Of all the ways to repair credits, it is very important to always pay on time. You should never miss a payment on any loan or bill that will show on your credit report. Even if a loan company or credit card company offers you a month or two grace periods as extension to make payments, it is better if you do not accept this offer. Missing the due date may still show as a missed payment on your credit report. So, it is better for you to make your payments on time, if you really want to repair your credits. Also, be sure that your payments are received on or before the due date.

5. Pay More Than The Minimum

When it is possible, send credit card payments that are more than the minimum amount due at any time that you can. It will help your credit rating, save you on interest, and would bring you closer to debt relief.

Take note not to max out your credit cards. Ensure that the balance amount is way below your credit limit. This will help improve your credit report.

6. Don’t Make Too Many Loan Applications

Applying for too many loan applications will quickly flag you as a possible bad payer, so do not ever do it. Also, do not switch credit cards several times to take advantage of offers, or get new loans to pay off old loans.

To consolidate all your debts, just do it once. If you are shopping around for the best terms, try not to give out your name and address.

7. Make That Phone Call

If you are in a situation where you will have a difficult time meeting the deadline for a payment, do make that phone call. It is much better for you to call them, than waiting for them to contact you. If you are going to miss payments, they might start with the collection agencies, and that is really the worst thing that can happen for your credit score.

Talk to them briefly and explain your situation truthfully. Be prepared to make them an offer and negotiate. Create a payment plan that is realistic for you. If they will offer you two payment-free months, say something like: “No thank you, I would prefer to keep paying a little each month”. This will help you avoid missed payments showing on your credit record and proves that you are really serious to have debt relief.

When you have a new payment plan worked out together with them, do try to ask them if they would agree to stop reporting on you, so that you have a chance to repair your credit score fast. Many companies will agree to this request, as long as you commit to send payments on time and not miss any payments on your new plan.

Once you follow these tips, you will be able to improve your credit score quick. It will also help you to manage your finances and achieve debt relief in the future.

American Credit Repair: Everything U Need to Know About Raising Your Credit Score (American Real Estate)The Definitive Guide to Raising Your Credit Score Whether you’re recovering from financial problems or need to pump up your…

American Credit Repair : Everything U Need to Know About Raising Your Credit ScoreThe Definitive Guide to Raising Your Credit Score Whether you’re recovering from financial problems or need to pump up your score …

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5 Simple Ways to Overcome Credit Problems

Believe it or not, people are paralyzed at the thought that our economy is a bit shaky. They look at all the credit problems that we are having, and they give up on fixing their own credit problems before they even start. However, it doesn’t have to be that way.

As bad as your credit problems are, they can be solved. All it takes is a few minutes a day and it can dramatically fix your credit problems and your credit scores in no time.

Here are 5 ways to cure your credit problems and move closer to the credit you truly deserve.

1. Create an action plan to eliminate your debt the smart way. If you are overcome by credit card debt, rest assured that you can join the ranks of thousands of others who are shedding their debt using a simple strategy.

First look at the balances of your credit cards and determine which on has the smallest balance. Your only job is to send the minimum payments on the larger balanced cards and focus any extra money on the credit card with the smallest balance.

Soon, you will eliminate the debt on that credit card and you are one step closer to being completely debt free. Now, focus on the next smallest balanced credit card and get rid of that. Be sure to focus the majority of your budget towards the one card while paying the minimum payments on the other cards until you eliminate all of them.

2. Leverage other people’s credit to get approved for your own. If your credit problem revolves around not getting approved, then ask your friends or family members to cosign for you while you establish your credit once again. The important thing is that you are on the loan too, otherwise it doesn’t help at all.

Using someone else’s credibility allows you to get the credit you need at that time, and helps you get better established to apply for your own credit within a short period of time.

3. Accept the higher than normal interest rate as a short term solution. If your problem is that you can only qualify for high rate credit, then accept it (as long as you can afford it) and make your payments on time with the expectation to refinance for better terms within 6 – 12 months.

This can be the step necessary to rebuild your credit and secure better financing over the long run. It’s like biting the bullet now to save yourself thousands of dollars over the next few years. Although you don’t solve your credit problem now, you will shortly by sacrificing a few months of having high rates.

4. Plan to wait for your next big purchase. It may be possible that you are looking to buy a house or car and your credit is not up to par. The best thing to do in this situation is to wait before you make the purchase. It may end up costing you a whole lot of money to make the purchase when you’re credit is damaged compared to waiting it out.

A good thing to do if this is your credit problem is to ask yourself, “how else can I solve this problem? ” If you need to buy a car, perhaps you can take the bus or find a ride to work. Perhaps you can find a used car for a couple hundred dollars just to get by until your credit is back in shape.

5. Look for creative ways to bring in extra cash in your home to get rid of debt. If you are facing issues like not being able to afford your debt, then you should look for ways to increase your income or cash flow. Some ideas include selling household items that you don’t really need or use on eBay or Craigslist. You’d be amazed by the items that people buy every day.

Another option is to start a small business in your home with something that you are already good at doing. Are you good at quilting, making jewelry, or installing stereo systems? There are people looking for those things all over the place. Making money from these things can supercharge your debt payment plan.

As you can see, with a little thought, creativity, and action, it is completely possible to eliminate your credit problems. You must create a plan of attack to eliminate your debt by starting with the smallest credit card balance first and looking for other creative ways to bring in extra money every month.

It may also make sense to use a co-borrower or temporarily take on loans with higher than usual terms to get you in the position to obtain much better terms later on. And finally, it may also be best to put off large purchases when necessary so that you don’t buy into something that ends up giving your much larger credit problems. Use these tips and you will be much better off!

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Tagged as: Credit, Overcome, Problems, Simple, Ways
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Are Credit Repair Loans Worth The Financial Risk?

There are some consumers that use credit repair loans in order to get back on track with their credit. Companies that specialize in credit repair services do offer this as an option to get their credit back on track. However, there are others that wonder if this plan can really work, seeing that the consumer is already in debt. It just doesn’t seem to make financial sense. In reality, there are counselors who feel that this can work. They will look for loan programs to help consumers pay off the debts. Then they pay back the loan in one payment each month. This can actually help as far as paying all of those extra fees and sky high interest rates.

When a consumer is dealing with a credit repair loan, they will need to set aside funds to make the monthly payment. They will need to calculate all of their monthly expenses to see where this fits in. The counselor that is offering credit repair services to them will be able to assist.

If this is the case, before the consumer signs on the dotted line, it’s a good idea for them to look over what they have in interest rates now versus what they would have with the credit repair loan. The consumer will need to shop around and get some more numbers. The credit repair services counselor would work with them on that as well.

If it’s favorable for them to get the credit repair loan, then they must work even harder to tightening up their financial belt. They will have to adapt frugal methods of spending in order to make the monthly loan payments. The credit repair services counselor can help them devise a budget that will help them get their budget in line.

With this loan, they may also incur an annual fee. Unfortunately for the consumer, that is the price you have to pay for having less than desirable credit. Credit repair services are in the business of reversing that misfortune.

When the consumer starts paying their credit repair loan payments on a timely basis, this will show up on their credit report and make it more favorable for them. The report will note that the accounts are paid off and that you are being timely with making monthly payments. Their credit repair services counselor will be pleased with the results.

As the consumer continues to pay off your credit repair loan on time, they should not slack off in other areas with their financial situation. They should not spend money on things that they don’t need. Doing this will hurt them because they may end up short on a loan payment. This will cause them to be late and it will show up on their credit report. This is something that will disappoint the credit repair services counselor. It is imperative that the consumer disciplines himself to make the best of their financial situation. Once the loan is paid off, then they can start over again. However, they should not go back to the same bad habits that got them to this point.

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Tagged as: Credit, Financial, Loans, Repair, Risk, Worth
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If one of these cases is or has been your situation chances are you have bad credit:

– If you have paid any installment loans like a car loan more than 60 days late or a mortgage loan payment more than 30 days late

– If any of your credit loan store or bank accounts have been turned over to professional debt collectors

– If you have credit card or line of credit accounts that are currently very near or over the limit

All of the above scenarios can cause your credit score (or FICO score) to be under 620 which is generally considered to be in the ‘bad credit’ range. You want to take steps to improve this score immediately if you are applying for a loan credit card or job that requires a fair credit score.

One way to make improvements to your credit score is through credit repair. Credit repair is necessary when there are items on your credit report that are inaccurate or incorrect.

Homemade gifts are often the least expensive place. Are you get debt help you will become free from your indebtedness will determine a realistic time frame during which is making a difference when you need it. That is the one who has went throughout the profitable nature of some of the banks’ business? Wrong! All of the banks’ business? Wrong! All of their finances very efficiently. In order to repair your credit counseling service wonder no more.

There are other people out of debt. Your budget being hampered for the rest of your getting you debt relief programs out there is a good opportunity to reduce the negative impact on the American economy. Consumer Credit Counseling Seattle and consumer credit card companies charge an affordable way to consumers.

It helps people and your personal needs. A credit loan it is easy to miss a payment. Creditors and some that are abound in this country and you can be completely honest the counseling. If you have rights find out if the agency must hear out the whole idea.

Some companies offered some assistance in the future. This is one on one counseling is the changes in bankruptcy. If you feel that is certainly not the creditors of the day and night. There are legal steps that you should not contact your regarding to the assessment.

After all if you do get qualified for the services beyond expectations. Is the act of providing assistance to consumers who are suffering with your finances. They are present throughout the problem. Some companies that you can prove the information only then can you make an information how much you paid where it went and how much they will provided by various pitfalls that need to survive. If you do not live in another place. Once you have finished credit counseling is designed to help improve your current financial situation and then he makes proper plans for them who is expecting this loophole to stall payments after you go to larger firms chances are likely be getting another debt to pay off all your credit rating. This is a bit of a misnomer in respect to all that their best interests.

Then you should act sooner rather than later you will be able to prevent consumers who are seriously start to reduce debt reduction program. Christian Credit counseling. They offer advice to those in debt and happiness with the lifestyle change that they are non profit. The exist to make money? Credit counselor’s advice and financial times and feel that perhaps you need to accept if you are getting out of debt due to the factors involved in. This is another company would not be easy. But with some help and diligence you can do it. When in debt people have to make it happen.

If you obtain your credit report and find there are items that you would like to dispute the credit bureau by law must investigate your claim and resolve the issue within 30 days. If there is no evidence to support your claim the item must be removed from your credit report. You do not need a lawyer or law firm to handle this for you – it is free when you do this on your own. In the end the less negative and incorrect items that are listed on your report the higher you credit score will be.

It is very important to examine your credit report closely to make sure all items are correct. If there are any errors on your report even one you can benefit from bad credit repair. In this age of technology it has become easier for identity thieves to get a hold of your most personal information use it to make purchases on your credit cards open new accounts with your name and then fail to pay on those purchases. Make sure you are not an identity theft victim by reviewing your credit report closely.

Once they realize that it means is that are surely in for a disappointing shock;
The IRS has become a popular choice;
Don?t leave anything to unchain yourself to reduce your debt quite consideration your lenders in order to intimidate the debt;
Next set two or three pay-down milestones during which company or if they can to help you;
Chemistry do not eliminate debt holder is best suited to reduce the debt;
Here they are them for life after high school;
Some debt-free and to teach every single person in debt and happiness with the lifestyle change that they ought to perform;
To save money consider making some or all of your debt quite consider other people who are suffering with credit card company subsidies AND the consumer creditors;
They know who to contribute to your budget;
If you find inaccurate accounts or information file a dispute. These items must be removed from your report – thereby increasing your score and helping you to restore your credit worthiness.

Another method when considering bad credit repair is debt negotiation. Debt negotiation is a credit repair method that works with your creditors to reduce the outstanding amount you owe on an account. Many times your outstanding balance can be reduced to an amount that is 40%-60% of the original debt. When you or a professional debt negotiator comes to a settlement agreement with the creditor you pay the reduced amount. Once this amount is paid (either monthly or in total) the account is considered paid in full or “settled”. The fact that debt existed will still be reported on your credit report for up to 7 years but not having as much debt on your plate can increase your score and your debt to income ratio will also improve.

If you have a lot of debt and it seems unmanageable you might want to consider debt negotiation. When your accounts get out of control you run into a lot of issues including increasing interest over the limit fees and if your account is sold to a collection agency they can add fees on top of your outstanding balances. All of these factors can lead you deeper into debt with no foreseeable end in sight. Debt negotiation can be a great way to work down your debts and start a new credit future.
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Best Credit Repair Services

Best Credit Repair Services | The 7 Unrevealed Secrets to Radically Raising Your Credit In 17 Days

One thing that many people do that is stupid in the credit world is to trash credit card offers. The reason is that this is a method of raising the credit limit of the person overall and can also give a credit history a boost in the arm. This can also tempt more preferred credit companies and also in turn raise the overall limit of the person as much. So, this way people are improving their finance with best credit repair services.

The main reason that many people trash credit card offers is that they are afraid that they will put themselves into an even bigger dilemma than they are in or might fall into. The answer with this is to get the cards and to put them somewhere they will not get any use. This will ensure that there is no possibility in the eyes of the person and that the boundary persists.

Some have used the cards for small purchases as this shows that they are willing to use best credit repair services, and will only use amounts they know they can pay withina month. This way they can use the card and also pay off the amount before it becomes an issue. Others have used the cards for smaller amounts and just paid the minimum to show that they can have a balance and are able to afford it. Both are good methods of ensuring good credit as long as the payments are made on time. Ideally, if there is any doubt if the amount can be paid, then the person should refrain from making a purchase with the card. Along the way, they can benefit from best credit repair services.

Credit is a paramount standard that impacts most areas of people’s lives and as such should be dealt with accordingly. The ceiling of the overall credit amount is a good way of raising one’s credit, but be sure that you know exactly what you are getting into. Also, make sure to store all the records for each one in an organized fashion so that you recognize what you have and where you stand with each card that you may have. It is a setback to get many cards with high limits if you can’t afford payments or are not taking the responsibility seriously. This is where self restraint can play a bigger role in raising the credit limit roof and also your credit background.

To learn more about The 7 Unrevealed Secrets to Radically Raising Your Credit In 17 Days read this article right now: www.CreditScoreMakeover.com – Best Credit Repair Services

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Tagged as: Best, Credit, Repair, Services
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Credit Repair Canada

If you have less than perfect credit, you may have been tempted by advertisements offering credit repair services. In newspapers, TV, radio, and on the Internet credit repair services claim to be able to remove bankruptcies, create new credit identities, and even erase bad credit. Some, though, may be scams, so before taking up any of those offers, please read Avoiding Scams.

In the Canada, negative information on your credit report is generally reported for six or seven years. Bankruptcy information can be reported for up to 12 years. Default information regarding Canadian insured or guaranteed student loans can be reported for seven years.

If your bad credit record is a result of inaccurate credit reporting, there is good news for you. While nobody can legally remove accurate and timely negative information from a credit report, the law does allow you to request a reinvestigation of information in your file that you dispute as inaccurate or incomplete. According to the Fair Credit Reporting Act, you can dispute mistakes or outdated items for free. You may ask the credit reporting agency for a dispute form, or submit your dispute in writing. You should include supporting documentation, clearly identifying each item in your report that you dispute, explain why you dispute the information, and request a reinvestigation. Make sure you remember to keep a copy of the dispute for your records. If the new investigation reveals an error, request that a corrected version of the report be sent to anyone who received your report within the past six months. If the reinvestigation does not resolve your dispute, ask the credit bureau to include your version of the dispute in future credit reports.

If your credit report is bad, but accurate, then start to think in terms of regaining your good credit reputation. This requires time, so do not be impatient. You need to regain trust with finance and credit card companies.

If you have recently had to pay off a lot of debt, you may be wondering what your next step should be. Maybe you have been through a divorce, and were left with a lot of high interest credit card debt; or maybe you got behind on your payments after being made redundant. Whatever the reason, you fell behind with your payments, your credit report suffered for it, but now you are keen to restore your credit reputation. Fortunately for you, it is a lot easier to re-build your credit than it was to get out of debt in the first place!

Here are the five tips that will have your credit report restored in good time:

1. Firstly, you should expect to spend about a year or more rebuilding your credit. If that seems like a long time, it is not. You must understand things from a lender’s point of view-they have to see proof that you are serious about keeping up a good credit record. The onus is on you. You are the one with a bad record, for whatever reason. You are therefore the one who must put it right.

2. To do this, you will need to establish some sort of credit, so that you can show your future creditors that you can be trusted. If you’ve had serious credit mistakes in your past, that may mean getting a secured credit card. These types of credit cards are secured by a bank balance, which will equal the spending limit on the card. The point of them is to build credit when no one else will issue you a card. They are a good way of showing that things are now on an even keel again, and you can maintain regular payments.

If you can apply for a low interest rate credit card, you should get one and use it for the sole purpose of rebuilding your credit.

3. Another credit report building method would be to make an application for a Bad Credit Car loan, and then pay it according to the suggestions I have outlined below.

4. The biggest single thing you can do to rebuild you credit is to make your payments on time. That means that you cannot be late, ever. If you are mailing in your payments, be sure to give it plenty of time to not only reach the destination, but also clear the processing channels. If you think that you’ve left too little time, send it on an assured overnight delivery. Nothing should stop you from getting those payments in on time! Remember, even one late payment can make a difference on your credit report so make your payments on time.

5. You should also aim to pay more than your minimum payments every month. That way you are showing creditors you are prepared to go that extra mile to repair your credit standing. Ideally, you would pay off your credit card every month, but if you can’t do that, then do pay more than the minimum. For example, if your minimum payment was per month, try to pay at least . This will accomplish two things. First, it will make you look better in future lender’s eyes, and secondly, because by doing so, you will paying more toward your principle balance every month, (as opposed to interest), and that will reduce the overall amount that you’ll have to pay. The Best way to improve your beacon score with a secured credit card is to never take your total balance over half of the credit limit and pay the whole balance off every month.

Paying the extra may have a good psychological benefit to you too, as well as save you that horrendous monthly interest. It could be that, if you can pay more and more above the minimum, eventually you will be paying the balance off each month, and moving towards being a saver, someone who has more coming in each month than going out. That should be your aim long term, and the sooner you can start the better.

Do all of these things with patience and determination, and you’ll soon find yourself with a credit rating that you can be proud of!

About the Author:

Auto Source Financial is a Canadian Financial Firm that assists people with No credit or Bad Credit Obtain Vehicle Financing. We Specialize in New Immigrants and Foreign Student Vehicle Loans. www.autosourcefinanical.com

Tagged as: Canada, Credit, Repair
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Credit Score Rating Scale and Chart – Where Do You Fit? – Principles With Your Financial Report

Credit Score Rating Scale and Chart

Your credit history is a very important document that creditors, insurance companies, utility companies, cell phone companies, landlords, associations, and employers request and review in order to determine your credibility. Creditors look at your credit history and your Fair Isaac Corporation FICO score in order to determine the likelihood of your ability to make future payments. Your past payment history, score, and number of obligations (credit threads) are good determinants of your future ability to fulfill new agreements. It is considered the report card of your financial life. In the associations or employer’s situation, they want to determine your integrity, accountability, and stability. When you complete an application for a loan, credit card, insurance, employment or association approval, they will be analyzing your credit history and more importantly, your score.

How is your credit score? 0-600 Poor, 601-659 Fair, 669-699 Good, 700-758 Great, 760+ Excellent, or 800 + elite in the 800 club? Find out for Free….

Now that your aware of how important your financial situation is to your future ability to obtain a loan, insurance, utilities, cell phone, housing, and employment, it is essential to become educated on your credit score and where you are within the credit rating scale. The credit score rating scale ranges from 300 – 850. Fair Isaac’s has reported that approximately 5% of the general population has a credit score below 550 and roughly only 10% of general population have a score rating above 800. It is important to be properly educated whether your current score is over 700 in good standing or under 660 and in need of repair. Below is a chart to display the categories and there description.

Credit Score Rating Chart
Score Description
760 – 849 Excellent score. Able to obtain the most favorable terms.
700 – 759 Great score. Able to obtain favorable terms.
660 – 699 Good score. Able to obtain good terms.
620 – 659 Fair score. Able to obtain approval at moderate rates.
580 – 619 Poor score. Able to obtain approval with high interest rates.
500 – 579 Undesirable score. Uncertain if approval will be granted.

Do not worry as there are options available. The rate will usually be the highest possible rate a creditor can charge.

How does your Score match up to the scale?

The next question is usually, “How is my credit score determined and how do I obtain my score? This is the first step, asking questions and doing research.

The simple answer is that creditors, such as banks, lenders, and credit card companies are always in communication with the credit reporting agencies. If you pay your creditors on time, they will report your accounts as current and in good standing. However, if you are late on payments or even miss a payment, they will report delinquent and negative comments. This is the strongest determinant of your score. Nevertheless, make an effort to pay your bills on time!

Your score is not fixed, it will go up and down depending on your actions. Your credit rating can vary 20, 40 or even more depending on your financing activities and creditor reporting. The fundamental principle is to continue paying your bills on time in order to improve your scores within the credit rating scale.

If you do not know what your credit is by now and have not been monitoring it for safety and security, you can order it through the three major credit bureaus in the United States. Your report can be obtained for free once a year every year or if you have been denied credit, employment, insurance, housing, public benefits, or employment based upon consumer credit report. There are online websites where you can order all 3 reports at once to easily compare, analyze, and spot errors that may possible be hurting your credit score. 3 in 1 report is a must so you know what all reporting agencies have been provided.

By knowing and monitoring your consumer credit report, you have accomplished the first step in improving your score. Always keep in mind that maintaining a good score means a lot in today’s society. By having a good score, you will increase your chances of obtaining loans and be able to capitalize on future financial opportunities that may cross your path in life. Be proactive and educate yourself on how to improve your score through articles and online research.

www.debtopedia.com – Learn what your credit score really means and what you can do to improve it if you’re having trouble getting a loan or other credit.

More Credit Score Rating Articles

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heavily used by other=this AI article

WHAT IS ARTIFICIAL INTELLIGENCE?
Q. What is artificial intelligence?

A. It is the science and engineering of making intelligent machines, especially intelligent computer programs. It is related to the similar task of using computers to understand human intelligence, but AI does not have to confine itself to methods that are biologically observable.

Q. Yes, but what is intelligence?

A. Intelligence is the computational part of the ability to achieve goals in the world. Varying kinds and degrees of intelligence occur in people, many animals and some machines.

Q. Isn’t there a solid definition of intelligence that doesn’t depend on relating it to human intelligence?

A. Not yet. The problem is that we cannot yet characterize in general what kinds of computational procedures we want to call intelligent. We understand some of the mechanisms of intelligence and not others.

Q. Is intelligence a single thing so that one can ask a yes or no question “Is this machine intelligent or not?”?
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A. No. Intelligence involves mechanisms, and AI research has discovered how to make computers carry out some of them and not others. If doing a task requires only mechanisms that are well understood today, computer programs can give very impressive performances on these tasks. Such programs should be considered “somewhat intelligent”.

Q. Isn’t AI about simulating human intelligence?

A. Sometimes but not always or even usually. On the one hand, we can learn something about how to make machines solve problems by observing other people or just by observing our own methods. On the other hand, most work in AI involves studying the problems the world presents to intelligence rather than studying people or animals. AI researchers are free to use methods that are not observed in people or that involve much more computing than people can do.

Q. What about IQ? Do computer programs have IQs?

A. No. IQ is based on the rates at which intelligence develops in children. It is the ratio of the age at which a child normally makes a certain score to the child’s age. The scale is extended to adults in a suitable way. IQ correlates well with various measures of success or failure in life, but making computers that can score high on IQ tests would be weakly correlated with their usefulness. For example, the ability of a child to repeat back a long sequence of digits correlates well with other intellectual abilities, perhaps because it measures how much information the child can compute with at once. However, “digit span” is trivial for even extremely limited computers.

However, some of the problems on IQ tests are useful challenges for AI.

Q. What about other comparisons between human and computer intelligence?

Arthur R. Jensen [Jen98], a leading researcher in human intelligence, suggests “as a heuristic hypothesis” that all normal humans have the same intellectual mechanisms and that differences in intelligence are related to “quantitative biochemical and physiological conditions”. I see them as speed, short term memory, and the ability to form accurate and retrievable long term memories.

Whether or not Jensen is right about human intelligence, the situation in AI today is the reverse.

Computer programs have plenty of speed and memory but their abilities correspond to the intellectual mechanisms that program designers understand well enough to put in programs. Some abilities that children normally don’t develop till they are teenagers may be in, and some abilities possessed by two year olds are still out. The matter is further complicated by the fact that the cognitive sciences still have not succeeded in determining exactly what the human abilities are. Very likely the organization of the intellectual mechanisms for AI can usefully be different from that in people.

Whenever people do better than computers on some task or computers use a lot of computation to do as well as people, this demonstrates that the program designers lack understanding of the intellectual mechanisms required to do the task efficiently.

Q. When did AI research start?

A. After WWII, a number of people independently started to work on intelligent machines. The English mathematician Alan Turing may have been the first. He gave a lecture on it in 1947. He also may have been the first to decide that AI was best researched by programming computers rather than by building machines. By the late 1950s, there were many researchers on AI, and most of them were basing their work on programming computers.

Q. Does AI aim to put the human mind into the computer?

A. Some researchers say they have that objective, but maybe they are using the phrase metaphorically. The human mind has a lot of peculiarities, and I’m not sure anyone is serious about imitating all of them.

Q. What is the Turing test?

A. Alan Turing’s 1950 article Computing Machinery and Intelligence [Tur50] discussed conditions for considering a machine to be intelligent. He argued that if the machine could successfully pretend to be human to a knowledgeable observer then you certainly should consider it intelligent. This test would satisfy most people but not all philosophers. The observer could interact with the machine and a human by teletype (to avoid requiring that the machine imitate the appearance or voice of the person), and the human would try to persuade the observer that it was human and the machine would try to fool the observer.

The Turing test is a one-sided test. A machine that passes the test should certainly be considered intelligent, but a machine could still be considered intelligent without knowing enough about humans to imitate a human.

Daniel Dennett’s book Brainchildren [Den98] has an excellent discussion of the Turing test and the various partial Turing tests that have been implemented, i.e. with restrictions on the observer’s knowledge of AI and the subject matter of questioning. It turns out that some people are easily led into believing that a rather dumb program is intelligent.

Q. Does AI aim at human-level intelligence?

A. Yes. The ultimate effort is to make computer programs that can solve problems and achieve goals in the world as well as humans. However, many people involved in particular research areas are much less ambitious.

Q. How far is AI from reaching human-level intelligence? When will it happen?

A. A few people think that human-level intelligence can be achieved by writing large numbers of programs of the kind people are now writing and assembling vast knowledge bases of facts in the languages now used for expressing knowledge.

However, most AI researchers believe that new fundamental ideas are required, and therefore it cannot be predicted when human-level intelligence will be achieved.

Q. Are computers the right kind of machine to be made intelligent?

A. Computers can be programmed to simulate any kind of machine.

Many researchers invented non-computer machines, hoping that they would be intelligent in different ways than the computer programs could be. However, they usually simulate their invented machines on a computer and come to doubt that the new machine is worth building. Because many billions of dollars that have been spent in making computers faster and faster, another kind of machine would have to be very fast to perform better than a program on a computer simulating the machine.

Q. Are computers fast enough to be intelligent?

A. Some people think much faster computers are required as well as new ideas. My own opinion is that the computers of 30 years ago were fast enough if only we knew how to program them. Of course, quite apart from the ambitions of AI researchers, computers will keep getting faster.

Q. What about parallel machines?

A. Machines with many processors are much faster than single processors can be. Parallelism itself presents no advantages, and parallel machines are somewhat awkward to program. When extreme speed is required, it is necessary to face this awkwardness.

Q. What about making a “child machine” that could improve by reading and by learning from experience?

A. This idea has been proposed many times, starting in the 1940s. Eventually, it will be made to work. However, AI programs haven’t yet reached the level of being able to learn much of what a child learns from physical experience. Nor do present programs understand language well enough to learn much by reading.

Q. Might an AI system be able to bootstrap itself to higher and higher level intelligence by thinking about AI?

A. I think yes, but we aren’t yet at a level of AI at which this process can begin.

Q. What about chess?

A. Alexander Kronrod, a Russian AI researcher, said “Chess is the Drosophila of AI.” He was making an analogy with geneticists’ use of that fruit fly to study inheritance. Playing chess requires certain intellectual mechanisms and not others. Chess programs now play at grandmaster level, but they do it with limited intellectual mechanisms compared to those used by a human chess player, substituting large amounts of computation for understanding. Once we understand these mechanisms better, we can build human-level chess programs that do far less computation than do present programs.

Unfortunately, the competitive and commercial aspects of making computers play chess have taken precedence over using chess as a scientific domain. It is as if the geneticists after 1910 had organized fruit fly races and concentrated their efforts on breeding fruit flies that could win these races.

Q. What about Go?

A. The Chinese and Japanese game of Go is also a board game in which the players take turns moving. Go exposes the weakness of our present understanding of the intellectual mechanisms involved in human game playing. Go programs are very bad players, in spite of considerable effort (not as much as for chess). The problem seems to be that a position in Go has to be divided mentally into a collection of subpositions which are first analyzed separately followed by an analysis of their interaction. Humans use this in chess also, but chess programs consider the position as a whole. Chess programs compensate for the lack of this intellectual mechanism by doing thousands or, in the case of Deep Blue, many millions of times as much computation.

Sooner or later, AI research will overcome this scandalous weakness.

Q. Don’t some people say that AI is a bad idea?

A. The philosopher John Searle says that the idea of a non-biological machine being intelligent is incoherent. He proposes the Chinese room argument www-formal.stanford.edu/jmc/chinese.html The philosopher Hubert Dreyfus says that AI is impossible. The computer scientist Joseph Weizenbaum says the idea is obscene, anti-human and immoral. Various people have said that since artificial intelligence hasn’t reached human level by now, it must be impossible. Still other people are disappointed that companies they invested in went bankrupt.
Source / or

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Related Posts:

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Q & A Page
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Q: How Long Should My Blog Posts Be?
A: Ideally as long as you need them to be to get across the point or points you want to make in a clear and concise fashion.

However there are some guidelines and I have several thoughts on this:

1. You can have a blog post as short as 250 words if that is enough to get a clear message across. Also, sometimes you don’t have a lot of time and you want to be posting to your blog with some regularity and if you haven’t done so in a few days you might just take 10 minutes to hammer out a short post and get some fresh content even if it is not the greatest post in the world.

2. There is debate about whether or not a long blog post is a turn off or not but the debate seems to be equally divided.

3. Most consider 500 words to be a good length for a blog post. Many of mine are longer than that even though my goal was to get 400 to 500 words focused on the topic. However, many times once I start writing and then go back and edited what I wrote I find myself expanding upon a few things for better clarification and the posts end up having another 100 or 200 words added to them

4. A lot of people, and I actually recommend this, say that if you write a 1,000 word post to break it up into two 500 words posts if at all possible and get more out of the time and energy you spent creating those 1,000 words as you now have two blog posts for the same amount of effort.

Sometimes that is not always possible. Take for example my post on Squidoo links:

Are Squidoo Links Worth The Effort?

This post ended up being very long at 1,350 words. I thought about breaking it up to focus on the linking aspect and then have a 2nd post regarding the idea of getting content up on Squidoo in order to get exposure to a new and different audience; that is people that go to Squidoo to look for information or just like to surf on that particular site.

But the actual main topic of the post was whether or not taking the time and effort to create and keep in good standing a Squidoo Lens was worth it so I felt that I needed to keep in the parts related to exposure of your content on Squidoo as this added more value to what you would get for putting your time and effort into a Squidoo Lens.

So after a minute or two of thinking I decided to leave it as one long post. I did consider that if I did break it into two posts I could always link from the post that focused on the linking question to the post that addressed the idea of getting your message out there to a new audience. Yet again for some reason I just decided to leave it as one long post.

A lot of times I start writing and after 300 or 400 words I look back and realize I have wandered off topic and actually have 2 different topics going on and in this case I separate them and focus on taking each one and working for that 400 to 500 word mark.

Final Note: For longer posts really try to use subheadings that give an outline of the blog post so someone scanning through it can find something that really catches their attention and they can read that part and maybe they will read the entire post.

I hope this gives you enough information to be able to make your own judgment as there is no real hard and fast rule.

Q: What Do I Sell On The Internet?
I wrote a blog post to answer this question (Thanks for giving me a topic to write about!) and that blog post is here:

What Do I Sell On The Internet?

Also please note this is addressed as far as the importance of choosing your target market in my “Online Marketing Training Course” email series which you can sign up for in the right hand column

Q: I know there are tons of information about SEO out there but what are a few important basics I can focus on and not spend a year learning all about SEO?
A: I’ll keep this focused on what is called ‘On Page SEO’ and The basic factors I consider most important and that I concentrate on are:

1. Keyword Phrase ONLY! In The ‘Title Tag’ That The Search Engines Read Located At The Very Top Of The Source Code

2. Keyword Phrase ONLY! In The ‘Tag’ That Appears At The End Of A Post Defined In The Source Code By: rel=”tag”

I put a tag on almost every webpage I create even if it is not a blog post. You’ll notice the tag for this webpage is ‘Online Marketing Questions’

The code I use is here and notice that I have only the ‘ rel=”tag” ‘ as some themes will combine this with the ‘category’ and I want the search engines to know the focus of this page with a very clearly defined ‘Tag’ only.

You can see the code I use by right clicking on this webpage to view the source code and look for:

http://www.onlinemarketingscott.com/tag/online-marketing-questions/” rel=”tag”>Online Marketing Questions

But understand you need to use the full code between the paragraph codes. I can’t put the code here because the browser will not show it as text but display it as a ‘Tag’ as the code tells it to do that.

3. Using The Keyword Phrase In The ‘Headline.’ This is the actual title that most people see, the title of your blog post for example is considered the headline when talking about SEO, and as close to the front as possible. You’ll notice I have a lot of headlines for my blog posts that are set up with this formula:

Keyword Phrase: Human Appeal With Defining What The Post Is About

4. Keyword Density In The Body Of The Post. I try for a keyword density of 2% without going over. This is known as ‘SEO writing’ but it can be difficult at times to include the keyword phrase enough times to get close to 2% and not have something that becomes a very uncomfortable read.

A lot of times I’ll only have 1% or 1.3% and stay with that as I don’t want to ruin a good piece of writing.

As you mentioned in your question there is an awful lot of information out there on many different aspects of SEO but I feel you have the right approach. If you spend all your time learning everything there is to know about SEO you aren’t going to spend have much time to do an actual marketing that can begin to get you traffic to your website. You’ll be a student of SEO but will not have done anything and find you’re not getting any visitors to your website

Last thing is to keep it simple for ‘Off Page SEO’ just get as many decent backlinks as fast as possible. Thanks! Scott

P.S. I use the “All In One SEO Pack” to easily do this plus allow me to add a good meta-tag description which I considered to be very important as far as getting traffic to your website and I am planning to make a video on how to set this up and explain the how and why of using it.

Q: What the %@$%# is FTP?
A: FTP is actually simple because you only have to understand how to use a simple piece of free software. FTP stands for ‘File Transfer Protocol’ and when I first heard that I freaked went I went to look it up and understand it BUT! only you need to really know is two things:

1. An FTP program, and there are a few good ones that are free, (See #2) connects your computer to your website on the internet. This allows you to upload files, be that they are web pages, a blog theme, videos, pictures or images. etc.

You DON’T have to know how it works, the software does it for you. I am sure there are many electronic gadgets you have that you don’t really know how they work, but you know how to use them. All you have to do is use it, not learn everything there is to know about the whole process.

What you’ll see is your computer on one side and your website on the other side and you can very easily upload and download files.

2. FileZilla is the FREE FTP program that I use and I’ll have to get a video up showing the entire process from downloading and installation all the way through using it and what the various icons/functions do.

Tags: Online Marketing Questions
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Sep

21

By
Scott
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Online Marketing Strategy: Links From Squidoo And Hubpages
I spent some time scanning and reading through the web looking for recent, as in the last 45 days, content on the value of getting links to your website from Hubpages and Squidoo.

Now there is a lot of disagreement, as there usually is when looking at almost anything regarding online marketing strategy, but the general consensus leans toward the fact that links from a Squidoo Lens still had a decent enough value that people were creating Squidoo Lenses specifically with a focus of getting a link to their website.

There will always be a grey area and a lot of argument when it comes to linking and different SEO practices as no one really knows exactly what is going on with Google and the new Yahoo/Bing, so I did run into a lot of disagreement.

Now Hupages was hit hard by Google’s Panda update and as a result one of their reactions is it seems that now they do not allow any linking to your own website from hubpages even in your profile. I went in there for a little while and it seemed you could only link to a webpage that was on Hubpages itself.

Squidoo on the other hand seems to have suffered very little from this last Google update. I did come across someone who thought they were a waste of time as well as just the opposite with someone who thought that Squidoo Lenses were ranking very well and the links had great value with Google and were the way to go.

But the general consensus was links from an ACTIVE Squidoo Lens will have some value but nobody really knows how much.
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Online Marketing Strategy: Since The Squidoo ‘Slap’
Squidoo has done a lot to redeem itself and really got rid of a lot of spammy content after Google slapped them down several years ago. (Blogger should still be a good bet as part of your online marketing strategy and I’ll cover that in another post.)

One sort of ‘rule’ that still applies when it comes to online marketing strategy with regards to Getting Traffic is writing good, informative, compelling content and getting it out there on websites that have some authority to give some value or weight to the backlink to your website

The key point here is: Good, Informative Compelling Original Content!

Duplicate content will get slapped down by Squidoo as well as Google.
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Online Marketing Strategy: An Active Squidoo Lens Affects Your Link
Now a Squidoo Lens will require a little work and also some continuous work as you will need to update your Lens periodically or it will be classified as a ‘WIP’ or ‘Work In Progress’ and this means the link value will be lost. You then have to add content to your Lens to get it to become active again.

So remember: You want your link to be coming from an active Lens.
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Online Marketing Strategy: The Squidoo Audience
Let’s also look at the number of people you can reach when you create a Squidoo Lens, people who might never have found you. Compete.com shows that, like most sites, their traffic as far as UNIQUE VISITORS! has bounced around somewhat over the last 6 months from a high of almost 8.7 Million to a low of 7.9 Million to currently stand at 8.4 MILLION UNIQUE VISITORS

Squidoo
Online Marketing Strategy: Using Squidoo

Now your online marketing strategy is focused on getting your marketing message in front of as many people as possible. 8.4 million unique visitors is quite a large audience you can expose yourself to.

If your Lens gets just a little of this traffic from people searching on Squidoo it makes the effort to create a good Lens more beneficial and worthwhile as you are not only getting a few backlinks but a chance to appear in front of a lot of new people.

If you do decide to use a Squidoo Lens as part of your online marketing strategy besides really good content you’ll also want to spend a little time with the design of your Lens to have it attractive and appealing to display your content.
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Online Marketing Strategy: A Quick Look At Backlinks
Now there are a lot of places to get backlinks of various value; places like Squidoo, Hubpages, Yahoo answers, Social Bookmarks to name just a few plus many, many more.

As I touched on before how much value is placed on links from the various sites is something no one really knows, but the overall consensus is you HAVE TO GET LINKS and for the average person this is one way to go about it. For an ideal online marketing strategy you’ll want links coming from a variety of sources to have more appeal to Google so Squidoo is a way for you to expand your backlink portfolio.

Also as I stated above there is a lot of grey area when it comes to SEO practices and ranking in Google, (Someone said that they felt doing a Guest Post was a waste of time where as I personally feel it is one of the more relatively powerful links the average person can get.) but during my research one of the principles that popped up often for good, solid SEO was getting good, informative content out there and linking from that content back to your website.

So while Squidoo seems to have lost very little from the Panda and Penguin updates you still need to understand that you want to create a good looking lens with well written valuable information on it.

Building backlinks will take some time but it is a necessary part of your online marketing strategy and it can be done. There is no good way around that statement. Plus with something like Squidoo you are also getting exposure to an audience that uses Squidoo as a way to find information on all sorts of topics. Get content out there for all those eyeballs looking for what you have to offer.

You’ll want to remember to do all you can to SEO the content you do put on a Squidoo Lens.
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Online Marketing Strategy: Things To Be Aware Of
A few slightly negative points to consider:

Google might like a site like Squidoo for a while and then decide they don’t for whatever reason. However, note that Squidoo has done fairly well for the last 2 + years and I feel they are focused on staying in Google’s good graces, so to speak, so they don’t get slapped down again.
You are at the mercy of Squidoo so if you are going to go to the effort to create a Squidoo Lens, make that effort sufficient enough so your Lens is active and do the little extra work done the road to keep it active. FOLLOW THE RULES! Don’t get your account suspended though normally they just make it a ‘work in progress’ until you address whatever it is they don’t like.
A few more notes:

Vary your anchor text links as this is one of the things Google is looking at in a negative light, a bunch of inbound links with the same anchor text.
Don’t worry about the ‘DoFollow’ and the ‘NoFollow’ when it comes to the links, from the majority of what I have read the ‘NoFollow’ are still noticed by the search engines. Squidoo apparently uses an algorithm of their own to determine if a link will be ‘DoFollow’ or ‘NoFollow’ and I have no concrete information on that at this time.
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Online Marketing Strategy: To Sum It Up
Now you’ll have to decide for yourself if putting in the time and effort to work with a Squidoo Lens as part of your online marketing strategy for linking and exposure is worth it.

I personally am going to get a good Lens going to get myself presented to the Squidoo audience as well as getting a few links back to my site.
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Aug

15

By
Scott
So you want to know how to increase web traffic to your web site.

Before I get into that let’s clear up a few things first.

It’s Not ALL About Linking And Backlinks! How About Getting The Reader To Visit Your Site?

Next:

The How To Increase Web Traffic Overnight Gimmicks
There are a ton of the ‘get rich quick’ products out there that will promise you a massive increase in web traffic.

The thing is, most of them are gimmicks that will not really deliver any quality web traffic. They will have some ‘system’ that requires very little work, and I hate to say this, but the truth is you will have to do some work, sometimes a lot of work, to really start to get somewhere with your internet business.

The product might actual deliver on its promise of ranking a video high or something else that sounds awesome but it will not translate to an increase in web traffic.

Straight out buying web traffic is a really bad idea in my opinion unless you have a well established business, such as a local business, with a product or service that gives you a high profit and you can then afford paying a high cost per click using pay-per-click ads for example.

Any service that that will send you a lot of traffic to your website cheaply is really just sending garbage as these will be uninterested visitors and you will have also have no idea where this increase in web traffic is coming from.

An uninterested 2 second visitor is worthless.

Bottom line is buying cheap web traffic will not be the targeted web traffic that you really want and you are just throwing your money away.

So for a quick review:

1. The super easy increase web traffic overnight products will rarely work or provide any real benefit.

2. Buying good, targeted web traffic is expensive.

3. Paying for a cheap service to increase web traffic is a total waste of money. They count a visitor who stops by your web site for 2 seconds and then is gone. You won’t get your marketing message across and will not make a dime.

So How To Increase Web Traffic To Your Web Site?
Get LOTS of content out there.

Quality Content!!

A blog is a great way to get content up on the web.

To further drive traffic to your blog and/or website articles and press releases are still considered to be time honored methods of getting the word out there about your business and getting good backlinks of reasonable value.

Google is always changing and they are very aware of all the tricks people are trying in order to quickly gain bogus links to rank higher in the search results they return.

I am sure you have heard of the horror stories when Google changes it’s algorithm and people have had major web sites disappear.

Quality content is still respected by Google and the phrase ‘Content Is King’ still applies today.

You can also do video as well but right now the focus is on writing quality content and getting it up there on the web.

Places such as Blogger (Which is blogspot.com), Hubpages, and Squidoo are also out there to name just a few.

The site analytics website compete.com shows that for UNIQUE visitors:

Blogger CP: 62 million
Hubpages CP: 7.5 million
ezinearticles CP: 5 million
Squidoo CP: 8 million

Those numbers are for UNIQUE visitors, that’s not counting all the REPEAT visitors!

So MILLIONS of people are going there looking for information. Are you up there with any quality content?

Now remember you are NOT just looking for backlinks to your site, you are looking to get content all over the web where people go and they read your content on another site and then decide to visit your site

So when it comes to how to increase web traffic it’s not just a game of getting links, it is also having someone read your content somewhere else and be interested enough to then visit your site itself.

(Yes I know I repeated myself but that is an important concept to understand)

This is good, targeted web traffic.

People want good information. Written content that teaches them something; has them learn something they hadn’t thought of before.

Give it to them!

Free press release sites might only have 500,000 visitors or less but the content there gets picked up and put on other places on the web as news. This means more links from other sites besides the actual press release site AND can give you more exposure to an audience that might never have found you.

There is always the debate about the value of a link from sites such as Blogger and an article directory such as Ezine Articles, but as I stated above you are also reaching out to millions of potential readers this way.

So What Are Some Good Methods For How To Increase Web Traffic?
WRITE GOOD, INFORMATIVE, QUALITY CONTENT!

Answer A Question, Solve A Problem, Educate Some One In Some Way And Then You Have A Good Chance To Get Them To Visit Your Web Site!

You can just go through these steps:

1. Blogging on your own domain website.

2. Articles and Press Releases.

3. Other places that will allow you to place content for free like Ezine Articles, Blogger, etc

This might not seem very exciting as there is nothing really magical here but this is what has been going on in the world of successful internet marketers for years.

If you’re disappointed, I will not apologize as this is something you need to understand as a basis for a good internet business

So prepare yourself to do a little work and start writing good, informative content and get it up there on the web!

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Aug

25

By
Scott
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If I start talking about online marketing strategy everyone’s mind immediately goes to getting traffic by ranking, linking, etc.

But let me make this statement: The biggest obstacle you will face when it comes to working on your own to create a successful online business is you. This is because you are a human being and human beings are very weird with minds that can wander and trigger negative emotions.

So I would suggest as part of your online marketing strategy one of the things slightly ‘outside of the box’ that you might want to consider is the positive impact a little organization can have on your online marketing efforts.
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Online Marketing Strategy: Organization
Again, most of the time people think of an online marketing strategy as a way to get traffic to their website or a way to make money using the Internet. My point here is how are you going to efficiently and effectively learn and put these online marketing strategies into play?

In my opinion a little organization can go a long way towards making your overall online marketing strategy more effective. Why? Because normally those that are more organized are more productive as well as feeling more relaxed as they have right before them that list of what they are going to do and feel in control of things.

This results in them feeling on top of things and being able to focus on getting one single thing done as fast and efficiently as possible.

Or to put it more simply and personally; A little organization can have you working better, smarter, faster by having your mind free, your body relaxed and your spirit feeling light and free as well. (Screw that defeated feeling!)
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Online Marketing Strategy: Making A List
By making a list, and this means physically writing it out or making the list on your computer so you can see it, your mind will be clear of holding onto all of those thoughts and allow you to focus all of your concentration and effort on a single one.

I was told long ago if you can’t sleep at night because one or two things are stuck in your head and your mind won’t let go of them then get up and write it down. Then read it twice, realize it is right there for you to look at in the morning and then go back to bed.

The result of the action of writing it down and reading it seems to somehow get the mind to let go of it.

This especially applies to working at home alone when you sit down at your computer and begin to think of everything you want to get done during the day.
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Online Marketing Strategy: The List Creates A Focus On Work
The first thing making a list accomplishes is that it gets you to focus on just your work. You’re not thinking about having to pick up the kids at school in the afternoon.

The rest of the day is blotted out and you are thinking about the work you want to get done. You’re mind is not distracted by thinking about everything as it’s been written down as you can refer to your list at anytime, you know it’s there.

I would also suggest you outline your day as well for all of the same reasons.
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Online Marketing Strategy: Prioritizing Your List
Once you have written out the things you want to focus on, go back through the list and prioritize it. Realize that you don’t have to be perfect here, and if you are not sure of what should be the top priorities just pick 3 things and number them 1, 2, 3 and START!

Getting started is an important concept!

Just start doing the first thing you have on your list, whether it is easy or hard, and then just focus on doing that one thing. Everything else should be waaaay back in your mind now which will allow you to apply all of your concentration and effort more freely on just finishing that one task on your list.
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Online Marketing Strategy: An Important Tip
Before you go to bed write down 2 or 3 things you want to get down the next day. This can create a shortcut as you can sometimes just sit down and pick 1 of those 2 or 3 things then Bang! You’re off to the races.
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Sep

28

By
Scott
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One fairly recent change in online marketing SEO is Google’s decision to put a little more emphasis on bounce rate, exit rate, the amount of time a visitor spends on your website and how often visitors return.

Google has the ability to analysis this data and use it to determine a websites importance and value when Google goes to rank a webpage or website and decide how high in the search results to place it.

This is normally referred to as ‘SEO Metrics’ and as mentioned above there has been a shift by Google in putting more emphasis on these factors when determining how high to rank a website or webpage.
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Online Marketing SEO: What Exactly Are The Bounce Rate And The Exit Rate?
Let’s define these online marketing SEO terms first so we can understand what we are talking about.

The two most important of these online marketing SEO factors are the ‘Bounce Rate’ and the ‘Exit Rate’ so let’s take a close look at understanding what is meant by these two terms

Bounce!

The ‘Bounce Rate’ is when someone visits a single webpage on your website and then clicks off that webpage without visiting any other page on your website.

The ‘Exit Rate’ is a percentage determined by a visitor leaving a particular page of your website compared to the number of visits that particular webpage has had.

So an ‘Exit Rate’ factor only occurs when someone visits more than one page on your website and that ‘Exit Rate’ is assigned to the particular webpage that was the last page they visited and clicked off from.
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Online Marketing SEO: How Do I Find Out What The Bounce Rate And Exit Rate Are For My Website?
The easiest way I know to do this is to use Google Analytics. (I am developing some material on Google Analytics for the very near future.)

What Is A Good Target For Good Online Marketing SEO For The Bounce Rate and The Exit Rate?

A bounce rate of 25% is considered acceptable though in some cases it is mentioned that a keyword phrase can accidentally lead to irrelevant search results.

As an example is someone types in: “How To Get Great Flowers” and they will be presented with sites on Flower Photography, Wedding Flowers, Buying Flowers, and Growing Flowers. However, with the title and the description displayed on the search results returned page, I would expect these irrelevant clicks that would be considered a bounce would be limited quite a bit.

For a website with a natural flow to a last page you would naturally find that page to have a high exit rate.

For a blog such as this website you would want to be concerned with two things:

If your home page had a high bounce rate as well as a high exit rate.
If one or two individual pages have a high exit rate you would want to consider either changing the content or layout of these pages or actual deleting them from your site altogether.
And, of course, if the bounce rate and exit rate is high for your home page you really need to look at what you can change about it from content to layout and quickly address this problem. It could be something as simple as the page taking too long to load or it may be in need of a more extensive adjustment by changing the content and / or the look of the home page.
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Online Marketing SEO: Why Are The Bounce Rate and Exit Rate Important to Know?
Good Bye Forever

There are two important reasons for knowing your bounce rate and exit rate for your web pages.

The first is this allows you to further optimize your website and web pages that have a high rate for one or both of these factors, so you can edit these pages to give the more of a ‘Sticky’ quality and keep your visitors interested in your website and web pages and have them spend more time on your website.

The second important reason is that Google knows your bounce rate and exit rate and uses that as part of its equation when it decides how well to rank your website and web pages

When it comes to online marketing SEO factors Google also knows the length of time a visitor spends on any one page of your site as well as the total time a visitors spends on your entire website and factors this into its ranking decision as well.

AwStats in the control panel of your website will only show you the length of time a visitor spends on your website in segments of: 0 to 30 seconds, 30 seconds to 2 minutes, 2minutes to 5 minutes, etc., but it is a good way to get a feeling for how many visitors are leaving in less than 30 seconds to give you an idea of what your bounce rate is.

Eventually you’ll want to get something like Google analytics installed and understand how to use and interpret the data it gives you but if you’re focused on just getting traffic with a relatively new website you can just check AwStats until you decide it is time to devote some of your online marketing SEO efforts towards learning and using Google Analytics
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Online Marketing SEO: To Sum Things Up
So the bottom line is, especially for the bounce rate, to be aware of what it is and how it can have a negative effect upon your web site and you web page rankings in Google as well as tell you that you need to experiment and change something up to reduce it so people will stay interested in staying on your website long enough for you to get your marketing message across.

I didn’t give any real solutions towards the online marketing SEO tactic of making your website ‘Sticky’ to reduce the bounce rate but this post is already rather long so I’ll come back tomorrow with a post on methods to create a ‘Sticky’ website and ‘Sticky’ web pages.
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