Top Tips On Quick Trick To Start Building Your Credit Fast

We’re thinking of a number between 300 and 850… and it’s your credit score.

Do you know what it is? And most importantly, is it where you want it to be?

Unless you have an absolutely perfect credit score—850—we’re willing to bet that you’d like to tack on a few points to that three-digit number.

Building credit fast is no easy task. Your credit rating is with you for the long-haul and is built up over years and years of credit history—so it won’t just change overnight.

But there are things you can do to bump up your credit score quickly.

When it comes to building credit fast, here’s what we recommend: credit monitoring.

We strongly believe that the more you know about your credit rating, the better you can take care of it.

Building credit fast is hard, but credit monitoring can help.

Here’s how.

Why You Need to be Monitoring Your Credit
If you’ve ever applied to small business loans before, you know just how crucial your credit score is. It’s probably the single most important piece of information on your business loan application.

And that’s not just for business loans. Your credit rating is considered for any big financial move in your life.

When you’re taking out a mortgage, applying for an automobile loan, getting a credit card, securing a student loan, or even landing your dream job… your credit score matters—a lot.

We could talk about how important your credit score is all day. But it all comes down to this:

Having a great credit score can save you thousands on your personal (and business) finances. On the other hand, black marks on your credit rating can really limit your financial options.

That’s why anyone who’s interested in building credit fast needs to be monitoring their credit score carefully and often.

A Run-Through Of Your Credit Score
Monitoring your credit—and building credit fast—first comes down knowing what actually goes into your credit score.

So here’s a quick credit score refresher:

Your credit score measures how reliable you are with your financial obligations. When a lender, a bank, or even a potential employer looks at your credit score, they’re essentially asking themselves this: “Can I trust you?”

A stellar credit score shows that you’re responsible with your financials and a safe borrower to work with. On the other hand, if your credit score suggests that you often don’t repay what you owe—or you’re always late to repay—lenders are less likely to trust you with their money.


There are three main credit reporting bureaus that monitor your personal credit score: Equifax, Experian, and TransUnion.

They each have their own formula for reporting your credit score—and none of them actually tell us what that formula is.

But we have a good idea of what matters and what’s not as important.

Here’s what they pay attention to:

1. Payment history (including bankruptcies and judgments)
2. Amount of debt you have
3. Age of your open credit accounts
4. Diversity of credit accounts
5. Your credit utilization (or how much of your available credit is actually being used)
6. Tax liens
7. Hard credit inquiries

Now that you know what makes up your credit score, you’re ready to monitor your score—and start building credit fast.

Best Practices for Monitoring Your Credit Score
There is no cut-and-dry formula for how you should monitor your credit score.

But when it comes to building credit fast by monitoring your score, here are the steps you can take:


Your credit report is a summary of your borrowing and repayment history—and it’s the backbone of your credit score.

Every piece of information that’s used to calculate your credit score comes from your credit report. So it pays to know and monitor exactly what your creditors are see on your credit report.

If your credit report shows that your late bills are weighing your score down the most, then you can put more effort into paying your bills on time. If your report shows that you’re being dinged for having too high a credit utilization, then you can reign in on your usage instead.

All in all, monitoring your credit report keeps you up-to-date on what’s affecting your credit score. By staying on top of your report, you can change your borrowing behavior when any red flags arise.

Building credit fast isn’t easy, but monitoring helps you stay on your toes and make changes in your borrowing habits where necessary.

You of course can’t monitor your credit report if you don’t have access to it. So check out to get your report for free. You’re also entitled to one free credit report once a year from each of the three credit reporting agencies.


When it comes to building credit fast, monitoring your report for errors is an easy, effective step you can take to boost your score.

You’d be surprised by how often you can get dinged for things you didn’t actually do. In fact, studies show that 1 out of 5 credit reports contain errors in them. And when those errors were corrected, credit scores increased. (If that’s not evidence of how crucial credit monitoring is to building credit fast, we don’t know what is.)

When you find an error in your credit report, dispute it.

If you’ve never disputed an error on your credit report, here’s how:

Check all three of your credit reports—if an error has popped up on one of them, you’ll want to see what’s going on with the other two. Next, make sure it’s really a mistake. Just because you might be surprised by some negative information on your report doesn’t mean that the information is inaccurate. If the blip on your report did result from a misstep by the credit bureau, now it’s time to gather documentation to prove your case. This could be proof of payment or a correspondence related to the charge in question. You’ll also need to have a copy of your credit report with the disputed charges clearly highlighted.

Once you’ve gathered the documents you need to support your claim, write a letter to the credit bureau reported the error. Check out the Federal Trade Commission’s example of a dispute letter for help. You can also dispute an error on the credit bureau’s website, too. Once you’ve submitted your claim, you should hear back within 30 days.


If your credit score isn’t where you want it to be, there’s no overnight solution that can bring it up a notch.

But if you know what’s bringing your credit score down, you’ll know exactly what you need to do to bring it up. And the only way to stay up-to-date on your credit score is to monitor it closely.

Once you make the quick fixes that are hurting your score, you’ll start to see it rise within a few weeks!

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A spokesperson for Yesmail says their study has “debunked the idea that email marketing is a dying tactic,” adding that the “never active” subscriber segment fell below 69% for the first time. For retail, it fell below 60%. In other words, the amount of people who are never active with email is decreasing.

The study also found that half of all emails deployed in Q2 were responsive, which is up from just 28% for the same period the prior year. That’s some pretty impressive growth in an increasingly important marketing channel.

“Marketers have been claiming the death of email is near for years,” said Fisher. “That myth couldn’t be further from the truth. Consumers are engaging with email more than ever, in large part due to improved email marketing strategies with lifecycle triggers, relevant content and data-driven contact strategies.”

Q2 2015 saw the highest number of emails sent per opener (roughly 4 messages per week), which is an 11 percent increase year-over-year, according to Yesmail’s study. At the same time, open rates across industries were above 9 percent and as high as 30.1 percent for financial services. For retail they were nearly 15 percent.

Meanwhile, opens increased by 10 percent year-over-year and by 17 percent over the last two years.

“We’re halfway through 2015, and it’s safe to say that this is the year for email marketing,” said Michael Iaccarino, CEO and Chairman, Yesmail parent company Infogroup. “But not all email marketing is created equal. For brands to be able to capitalize on the opportunities the email channel has to offer, it’s essential for them to invest in analytics that uncover the consumer preferences, data-driven communication strategies that cater to these preferences, and innovative technology that enables flawless program execution.”

Not only are more people opening and engaging with emails more than ever, they seem to be largely enjoying the experience. In case you missed our article earlier this week, a study from Digital River’s Bluehoret, which surveyed close to 2,000 consumers about how they interact with and perceive marketing emails, found that they acknowledge the impact these emails have on their purchasing behavior.

That study found that most people prefer to hear from companies with marketing emails on a weekly basis. That’s the preference of 43.8% compared to 18.8% for monthly, 14% several times per week, and 13.9% for every couple of months.

“With the proliferation of mobile devices they are more connected than ever – with more than a third now checking email continuously throughout the day,” said the report. “And our target audiences are savvier than ever… they know what they want, and their expectations are personal. According to our data, consumers now expect us to understand who they are, and what they do and don’t want. They expect us to give them control of how frequently we email them. They expect a seamless experience across, and informed by, all channels.”

“Our consumers acknowledge that they are impacted by what they receive every single day,” it later said. “They get daily emails from flash sale sites. They are connected 24/7 and receive personalized content from their favorite brands on most of those days. They are asked not only to convert, but to engage, interact, and share. Simply put, all this digital exposure means our audience is smarter than ever when it comes to digital communications. They’ve reduced the number of email addresses they use (who has time for all those accounts?), and use multiple devices to stay connected throughout the day. Today’s consumers expect personalized content and when they get it, appear to be happy with higher frequency.”

As discussed in previous coverage of that particular study, the holiday season is creeping up, and businesses need to be getting their email marketing’s strategies planned. Last year, email was huge for the holidays, and it will likely play an even bigger role this year, especially considering that consumers are engaging with emails more than ever.

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Did You Know Social media influences consumer buying decisions

The effects of social media are not something business owners can afford to overlook. The Deloitte report noted that consumers who use social media during their shopping process are four times more likely to spend more on purchases than those who do not. It goes even further. The report states that shoppers are 29 percent more likely to make a purchase the same day when using social media to help shop before or during a trip to the store.

Demonstrating value

While business owners can’t make customers use social media, they can influence the kinds of things a social media connected shopper finds. This is why it’s important to establish a social media presence.

Business owners can even encourage people to use social media while shopping by including social media in their point-of-sale marketing. If people know they can find out about specials on social media, they’ll go check it out.

This report adds to a growing volume of research that shows the value of social media. Social media influences shopping behavior in all age groups, but especially the important younger and Hispanic populations. Business owners need to work to refine their social media marketing strategies so they can get the boost in sales that some of the stores in the data set did.

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Twitter May Be The Favorite Social Platform Amongst Sales People?

As a sales person it’s important to keep in constant contact with your customers. It is equally as important to make new connections and network. Social media has become a great resource for making connections with ease. These days, there seems to be an unlimited number of social platforms from which to choose. Given all our options, which platform is most beneficial to the modern salesperson?

KiteDesk, a sales consulting and data research firm, conducted a study to see what social media platforms were favored by sales people most. The major players were Facebook, Twitter, LinkedIn, Google+. From a group of 524 salespeople, it was determined that Twitter was the favorite.

According to KiteDesk’s ranking system Twitter scored 1,301 and LinkedIn 1,273. You would think LinkedIn, the social media tool created to bring professionals together, would end up on top, but Twitter happened to squeeze by. It leaves us wondering what lies in the future of LinkedIn.

Sales consultant Vanessa DiMaurn told KiteDesk, “I l ike to describe Twitter as the bar after work – where you keep your tie on but loosen it a bit, LinkedIn is the conference room in the corporate office.”

With Twitter there is a sort of freedom that comes with a profile. You can control who sees your tweets or you can allow anyone to see them. LinkedIn allows for restrictions, where the only way to contact someone is by requesting a connection.

Using Twitter allows the conversation to flow more because you’re able to find out more from a person’s casual tweets than you are from the articles they share. Once learning someone’s interest salespeople can target them and use this to their advantage.

As sales people rely on Twitter more does this mean a change for the business world?

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Ever Wonder How to Make Your Startup Fundable?

Whether you are trying to apply for bank loan, convince a few friends or family members to invest in your big idea or raising a round of venture capital on Sand Hill Road, your startup needs to be “fundable.”

While your concept and execution is all your own, there are a few basics that all fundable startups have in common. Follow these guidelines whether you plan to apply for a traditional bank loan or raise money from private inventors.

Mind the Basics
When preparing to raise money it’s easy to get swept up reading venture capital blogs or dreaming about the design of your company’s campus once you’re ranked in the Fortune 500. But fundable companies always keep their eyes on the basics, like:

1. Personal Credit Score – Just as a good credit score demonstrates trustworthiness, a bad credit score can make lenders question whether you are the best steward of your money. Take steps to maintain a good credit score, such as paying off debt, paying all loans on time, and keeping credit card balances low or nonexistent.

2. Good Financial Habits – Pay bills and taxes on time, avoid non-sufficient funds charges in your bank account, and don’t overextend your credit – all before you begin trying to fund your startup.
Disciplined financial habits not only help you get your business to profitability sooner, they cement your reputation with investors and financial institutions.

Trust a Financial Professional
These days everybody is “bootstrapping” a “lean startup.” But one place where you don’t want to skimp is on your financial advisor.

Your advisor, may she be an accountant, lawyer or certified financial planner, can guide you on corporate structure, tax strategies, timing and other important factors when it comes to obtaining funding for your business.

A business that plans to slowly bootstrap using only the owner’s capital will have a very different outlook from a business that plans to raise money, so make sure you’re setting your business up for success when it comes time to reach out to investors or lenders.

Keep Precise Financials
Speaking of finance pros, you should also keep a close eye on your business’s financials. Many types of loans require an up-to-date balance sheet (if you’ve been in business long enough to have one), at least a couple of years of back tax returns and recent bank statements. Investors will also do due diligence on your company before writing a check.

Don’t miss out on a funding opportunity because your books are a mess.

Know What Investors Want to See
A traditional financial institution funding your company wants to see an organized balance sheet showing revenue and profitability.

Angel investors, venture capitalists or other early investors want to see potential for profitability. After all, they’re in this to make money, not realize your dream. When making your startup fundable, stay in that mindset, and look at your company with a critical eye from an investor’s point of view.

Keeping these guidelines in mind should help you create a “fundable” startup. Good luck!

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Top Four Tips For Small Businesses To Utilize YouTube Marketing

In 2005, YouTube was launched and no one really knew what it was. Today, YouTube has more than 1 billion users with 300 hours of videos uploaded every minute and the hours people are watching videos are increasing by 50% each month.
So why aren’t you using this to your advantage? All those views, all those people, all that exposure.
Yes, creating videos for YouTube can be a large time commitment, but it could also be used to market your business. Kind of like a homemade commercial. However it’s important to use the right equipment and have your video properly edited. This will entice more people to watch what you have and click on more videos.

Create shareable content:
The best way to come up with content is to promote yourself and your products. Making tutorials on new products whether it’s on the computer or live action is a great way to promote your new inventory. A walk through of your facility and conduct interviews with your employees.

Breakdown the barrier:
YouTube can be the tool to break down the wall between consumer and mystery business. It can give your business a face and personality, show that it’s run by real people.

Explain your business to people:
If you are a business with a lot of aspects (like Newtek) use YouTube to make a fun demonstrational piece on what your company does. Create visual aids and make it fun to watch. Sometimes someone explaining something is a lot easier than reading about it, and more fun.

Create vlogs (video blogs):
Make a weekly (or biweekly) video of updates in your business. Make it fun and entertaining! Make several episodes at one time even and name your series something fun, that you can promote when sending out newsletters.

YouTube allows for vast areas of creativity just remember with every social media tool its important to keep your branding consistent and to engage with your viewers. Name your video titles something enticing. Theme your page to match your brand.

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The Importance of Email Marketing For Small Businesses

There are many different marketing tactics that we can use to promote our businesses. One of the best tools to use is inexpensive, and readily available at your fingertips: email.

With the help of third-party email software such as Monitor, iContact, MailChimp, business owners can manage, target, and track email campaigns. In addition you can use their templates for creative flare. The goals of email marketing are to keep your customers informed, establish a positive relationship, keep your business on their minds, special targeted promotions.

1. Keep Customers Informed – You can keep your customers informed by having a monthly newsletter. Here you can group together your blog posts, pictures and promotions going on with your business. The key here is to keep the newsletter informative and easy to read. Make your newsletter glimpses of greater things to get traffic to your website if people want to read more. The more brief enticing information you have, the more people will click onto your site and the more your newsletter will shared and viewed.

2. Establish a Positive Relationship – When a customer signs up to your email list, send them a welcome notice, or when they order something from your website send them a thank you note with receipt. Don’t bombard with unnecessary emails

3. Keep Your Business On Their Minds – Send emails wishing happy holidays. Perhaps if someone hasn’t been to your site in a while send them an email saying you miss them or that something they’ve looked at on your site is available for them. Don’t let them forget you!
4. Special Targeted Promotions – Email your specific customers promotions of the services they bought, or looked at. Promote specific items during holiday seasons. Create different lists for different products or trending products, this way you will be able to target more successfully.

Email marketing is fairly economically and easy to do. It’s important to keep your brand and business relevant in people’s busy lives. In addition its important to keep your branding consistent in your emails! Make sure your logo is involved and your art is consistent with your brand. Be sure to put your url and ways to contact your business, and make sure to have a “call-to-action,” a place that calls for a click, phone call, or email.

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So, it’s really just a matter of what all these elements are saying about your business. Are you projecting a cohesive, professional front? Or are you screaming “my business is kind of a mess!”

If the latter, we can help fix that. Here are six actionable tips for branding your Store on eBay.

1. Define Your Brand Identity
One of the first things that you should cover is what does your Store say about your business? Is your logo professional, attractive and memorable? Does your Store billboard add any value to your brand? Does your Store have a cohesive look and feel? How about your Store description…does it concisely encapsulate what your business is all about? Put yourself in your buyer’s shoes, based on all of this, would you buy from you? If not, keep reading.

2. Create a Style Guide to Help Keep Your Brand Consistent
Once you establish your brand identity, consider creating a simple Style Guide (or Manual) that outlines your brand’s established font styles, sizes, colors, etc. We’re talking one page. This will help you maintain consistency with everything from your listings to your printed business materials. Because, the more consistent you are with your brand, the more brand equity you’ll build. You don’t see Coke changing its color palette or general font style, right? That’s because people are invested in their look and feel. So, once your brand has attracted buyers, you don’t want to lose them by changing things up too much.

3. Don’t Ignore Printed Materials
Yes, you sell online. Your Store is your main touch-point. However, printed marketing materials, like business cards, feedback request forms, thank you cards, and even stickers, can really help you stand out in this digital world.

Visualize your customer’s unboxing experience. Let’s say that you just shipped a designer blouse wrapped in tissue paper, affixed with a sticker displaying your business name and logo, accompanied by a printed “Thanks for Your Order” card carrying the same general look and feel as your Store. This is the kind of touch that says, “I go the extra mile,” and helps you stand out from the e-competition.

4. Be Known for Your Superior Customer Service
When a customer inquires about an item, do you pull out all the stops to make them happy, or do you consider them lucky to be buying from you? Because, having a reputation for exemplary customer service can catapult your brand to the top of the heap. This is one of the main reasons why the Millennials at Worldwide Cyclery continue to “kill it.” They work to make their brand synonymous with phenomenal customer service. You want that.

5. Think Outside of the Branding Box
Car signage, t-shirts, and marketing giveaways (a.k.a. tchotchkes, schwag, or goodies) might seem totally out of place for sellers on eBay. But why? The more brand exposure you can muster, the better. There are no rules here. Let’s say that you sell pet supplies and you plan to have your team (however small) participate in a pet rescue walkathon. Think there might be a couple of people in your target market at this event? Definitely. Think wearing a t-shirt with your eBay Store name and vanity URL might attract a few customers? Most definitely. You could even take it a step further and sponsor some dog treat bags, accompanied by a custom tag promoting your Store. Not so strange now, right?

6. Check Out How the Top eBay Sellers Are Doing Branding
In a previous blog exploring the commonalities between the world’s top eBay sellers, we noted that branding seemed to be something the top “dogs” had mastered. For the most part, their logos were memorable, their Store billboards were attractive and added value to their brand (i.e. they weren’t random backdrops), and their listings were clean and consistent. This is the proverbial “proof in the pudding” that branding works, and not just for big business, but for sellers on eBay.

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Tips And Tricks To Effectively Market Your Videos

Lots of individuals and businesses have achieved impressive results by using video marketing of one form or another. The thing they all have in common is detailed knowledge of what works and what does not. Keep reading below for some great tips that are sure to help as you begin exploring this exciting strategy for business growth.

When your customers ask the same thing over and over again, create a video to answer them. This will allow them to quickly solve their problems without having to email or call your company. This saves you money in customer support and builds rapport with both current and potential customers.

Consider what others are wanting when they are searching for videos. Most people are looking for something entertaining as well as informative. If you are explaining how to do something, use inflections as you talk and give information that others may not know. It is also beneficial to show how to do something while talking. An excellent tip for people starting out with video marketing is to choose great titles. Relevant, interesting titles will attract viewers. This is the best way to keep them interested. Take the time to think of creative and relevant titles for successful video marketing.

Do not assume that you must hire a professional video crew or rent professional equipment. If you have written your own content, have a quiet room and a webcam or digital camera capable of recording video, you can do it yourself! Make a few trial runs and upload them to YouTube but only for private viewership. This will let you see how to get it right without anyone seeing your trial and errors.

If you plan to search YouTube for video, content ideas, don’t forget the

Try to be honest and real in your videos. Unless the video is a professional video, it’s okay to be imperfect. Practice your material before shooting and then go for it. You don’t need to worry about editing out every little imperfection because people will see that you’re honest and that they can relate to you. Just focus on getting the message across in a clear and concise manner.

If you want to create videos of yourself talking to your audience, keep in mind that your appearance and diction are important. Take the time to do your hair, pick some nice clothes and apply some makeup. Make sure the lighting works to your advantage and do not hesitate to do multiple takes if your diction is not perfect.

Watch the statistics available for your video, whether it be your server stats or on YouTube. This will help you compare each video you make so you can easily tell which are successful and which should have been left on the cutting room floor. This is the only way to continue building your campaigns skyward.

Many entrepreneurs of all stripes swear by the effectiveness of video marketing. The important thing to remember, however, is that sufficient time must be spent learning the tricks of the trade before launching this type of campaign. Hopefully the guidance found above has given you just the sort of start you need to achieve the results you desire.

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Informative Tips About Performing Network Marketing Successfully

If you want to get into network marketing, then now is the time. You probably have a lot of questions on how to start and what to do, but have no fear, this article can help. Listed below are some tips that will help you get started with your network marketing aspirations.

Regardless of your status as a network marketer, you need to have a person acting as your mentor as they will be the ideal person to gain information, helpful tips, and strategies from. Typically a sponsor is the best mentor as opposed to a recruiter who is just looking to solicit you to the team and then throw you out into the field without much direction. Sponsors can help you determine the best methods to selling the products and services which is the basis for your success.

People who do join in your network are undoubtedly going to have a lot of questions, so you will need to make yourself available to answer them. You can’t shut yourself off from your network once they’ve handed over a little cash. As their network grows, so do your earnings. Always help them help you in every way you can.

Use the internet to your advantage in network marketing. You can interact with many more people than you would in your personal network. The more contacts that you can make, the more your network will grow. Spend some time to create a web site that people can use to interact and to find out more about you.

When you’re working as a network marketer, you definitely need to be accountable. If someone thinks the product you sold them is bogus, or if it is bogus, you need to be accountable. Ignoring your responsibility might cause word to spread, resulting in a shrinking network and no profits.

Always make sure the prospect is relaxed and comfortable with you before trying to promote your product. Being a good listener and showing the person that you care about their feelings and thoughts goes a long way towards building trust. Be sincere in your want to hear from them because people can tell when someone is faking them out.

Don’t wait for everything to be perfect before you get serious about your business. Nothing is ever perfect and you will always find just one more thing that you want to fix, first. This type of hesitation will eventually lead to failure, so go ahead and get started. Even the mistakes you make will be worthwhile to learn from, so stop stalling and start selling.

Use deep breathing as a technique to keep calm in even the worst of moments. Your network marketing business is like any other business, and you will encounter frustrating people and events that will make you want to explode. Stop for a moment and do some deep breathing to regain your composure and be able to tackle the problem head on.

The sky may be the limit, but it’s not as if you can just reach up and touch it. You need some help getting there. If you can use the information provided here to help build a successful marketing campaign, you should find that the sky is definitely within your reach.

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