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Further
Reading ...
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Ethical Competition with Grace and Good Sense - Kate Smalley
Using Grace and Good Sense for Ethical Competition While all companies have the right to do business; this does frequently present a question with regards to ethical behavior when it comes to competition. How much should you trust the "other"...
Keep Getting Paid Over And Over For Every Sale You Make! - Adam Buhler
If we could all have one wish granted chances are most of us would wish for a huge flood of sales. That is the point right? We're all in the game to make (at the very least) a little extra pocket money. There's only one problem. Sales don't come...
ClickBank Link Theft: Is It Really That Bad? - Tim Coulter
If you have visited any of the affiliate-related websites or read any of the various ebooks about affiliate marketing, you’ve almost certainly seen references to the thorny subject of link theft. Indeed, so contentious is this issue that it is...
Testing and Tracking to improve your conversions - John Taylor
Creating an effective sales letter page is an essential part of your online success. However, unless you're testing and tracking each critical element in your sales content and your sales process, you may be losing a great deal of time and money. ...
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How To Establish Great Credit
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Written By:
Alex Fir
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Building a good credit history is important. If you have no reported credit history, it may take time to establish your first credit account. This problem affects young people just beginning careers as well as older people who have never used credit. It also affects divorced or widowed women who shared credit accounts that were reported only in the husband's name.
If you do not know what is in your credit file, check with your local credit bureaus. Most cities have two or three credit bureaus, which are listed under "Credit" or "Credit Reporting Agencies" in the Yellow Pages. For a small fee, they will tell you what information is in your file and may give you a copy of your credit report.
If you have had credit before under a different name or in a different location and it is not reported in your file, ask the credit bureau to include it. If you shared accounts with a former spouse, ask the credit bureau to list these accounts under your name as well. Although credit bureaus are not required to add new accounts to your file, many will do so for a small fee. Finally, if you presently share in the use of a credit account with your spouse, ask the creditor to report it under both names.
Creditors are not required to report any account history information to credit bureaus. If a creditor does report on an account, however, and if both spouses are permitted to use the account or are contractually liable for its repayment, under the Equal Credit Opportunity Act you can require the creditor to report the information under both names. When contacting your creditor or credit bureau, do so in writing and include relevant information, such as account numbers, to help speed the process. As with all important business communications, keep a copy of what you send.
If you do not have a credit history, you should begin to build one. If - continued below ...
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continued ...
you have a steady income and have lived in the same area for at least a year, try applying for credit with a local business, such as a department store. Or you might borrow a small amount from your credit union or the bank where you have checking and savings accounts.
A local bank or department store may approve your credit application even if you do not meet the standards of larger creditors. Before you apply for credit, ask whether the creditor reports credit history information to credit bureaus serving your area. Most creditors do, but some do not. If possible, you should try to get credit that will be reported. This builds your credit history.
If you are rejected for credit, find out why. There may be reasons other than lack of credit history. Your income may not meet the creditor's minimum requirement or you may not have worked at your current job long enough. Time may resolve such problems. You could wait for a salary increase and then reapply, or simply apply to a different creditor. However, it's best to wait at least 6 months before making each new application. Credit bureaus record each inquiry about you. Some creditors may deny your application, if they think you are trying to open too many new accounts too quickly.
If you still cannot get credit, you may wish to ask a person with an established credit history to act as your co-signer. Because a co-signer promises to pay if you don't, this can substantially improve your chances of getting credit. Once you have repaid the debt, try again to get credit on your own.
About the Author
Do you need business or finance information? Visit "Business Finance information", FREE
web site for those who want to learn how to achieve success in business and finance.
http://www.business-finance-site.com
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| _Additional Resources ... |
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Sell YOU With Your Small Talk. (Yes You Can.) - W Paul Barton
Want to build a relationship -- sell yourself for a job -- get ahead -- make a sale? Your 'small talk' is crucial. Everyday conversation can make or break you in personal relationships and in the business world. Sadly, most people don't...
Credit Cards For People With Bad Credit Scores - Jakob Jelling
Sometimes life lands you in a situation that causes your credit to suffer. A job loss or illness can send your credit rating south leaving you with nothing to do about it. Some creditors may let you slide a month or two, but your records will...
Not An Affiliate? Why Ever Not? - Marianthi Iatridou
If the idea of pursuing a living on the net has repeatedly crossed your mind but you still haven't found a way to implement it, then affiliate programs are going to break the ice for you. Affiliate programs are a lot like learning how to swim...
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