How to Fix Your Credit Score and Maintain Good Credit

One of the most frustrating things is seeing people get out of debt but then get right back into it. Sometimes we know what's bad for us, but we do it anyway. Next thing you know, you've got collectors calling at all hours.

How can you fix your credit score and maintain that healthy credit rating long into the future? It's not rocket science, but it can sometimes seem that way. So let's break it down.

Here are some things you can do to keep that credit score healthy and to stay out of debt:

• Payments: Always pay your monthly bills on time. One of the biggest reasons people slip back into debt and bad credit is because they miss one payment and then feel like they can miss another. This is not a good strategy for having a healthy credit history.

• Stay Current on Your Payments: Missing a payment happens. Maybe you had some time off from work; perhaps a family emergency came up. Now you don't have the money and you miss a payment, but the next month you get back on track. The important thing is to get back on track and to stay there.

• Pay on Time: Are you paying your bills, but you're paying them late? Many times your credit score will be damaged beyond belief simply because you refused to pay on time. Consider paying your bills with your first paycheck after they come, not before they're due. Just a few late payments can destroy all the hard work you do to get that healthy credit score.

• Collections: Whatever you do, do not let a collection agency get its hooks into you again. A bad debt that is sent over to the collection agency will stay on your credit report for 7 years! That means for 7 long years you'll have bad luck when it comes to loans, and you'll always pay more than the other guy. Don't let this happen - pay your bills on time!

• Communication: Are you having a tough time staying above water? When you know a bill isn't going to be paid, calling or sending an email to the company or creditor is always a good idea. And if you're in debt now, contacting the creditor directly is a lot better than having a collection agency sent out after you.

• Survey your credit reports for precision: It's extreme enough paying for your own errors; you don't have to be punished for somebody else's. Verify that your credit reports precisely reflect your obligations and the installment history.

• Set up installment updates on your bills: Paying on time, additionally called your payment history, means 35% of your credit score.

• Quit utilizing your credit cards as much: This is an alternate method for saying to live inside your methods. While you get your credit card obligation under control, it's a great thought to depend predominantly on great, hard trade in for the money request to pay off some of your obligations. Get a protected credit card if you have to develop your credit history. Secured credit cards work sort of like check cards.

This list is by no means exhaustive, and there are a lot more issues that could affect you directly.

If you're having credit problems right now, contact us. We've worked with people to get their lives back and we're ready to work with you and your creditors to get you yours back.

Calling All Technophobes - With Determination and Persistence You Can Beat the Challenges

It's funny how we are all so different and how our mental wiring makes us better at certain things. Some types of challenges have us foxed whilst others we sail through without a hitch. Is it something to do with past experiences? Or is it the subconscious memory of finding similar things difficult in the past and our memory of things we can do well.

Practical challenges, I have no problem with, such as sorting out a mess, organising removals, and arranging schedules. Whereas learning a technical task by watching a video can take me hours to master.

Is it because I didn't grow up in the technological age, with computers, mobile phones and every other device you can think of. These devices don't faze youngsters today they thrive on technology; any knowledge I have gained is self-taught in later life. I associate everything technological with difficulties. As soon as I begin a technical task I feel a knot in the pit of my stomach and my understanding and memory turn to blancmange and frustration takes over.

Recently on attempting a technical task I had a brain-wave, I would create screen shots first from the video. I find working from pages of a book simpler. Great idea but the printer wouldn't work so then I had two problems!

I moved to plan B I would use two laptops, one to watch the other to process the actions. With two mice to contend with I couldn't stop the video every few seconds precisely enough to catch the finer points demonstrated. So that was no help!

On to plan C with 4 screens open on my laptop pausing and clicking I eventually made progress.

I find it is easier to break the task down into segments and work with a small section at a sitting, that way I don't feel so overwhelmed, as I would working through the complete complicated video, it gives me the opportunity to learn a small part at a time.

The other action I find helps to overcome procrastination and putting a task off until another day, is to concentrate on the outcome and all the benefits it will bring to the point it becomes more important to continue than to put it off. This helps to override the fear of the unknown and the apprehension too.

It's a great feeling when you override the challenges, and achieve the desired outcome you get a wonderful buzz of satisfaction. Never think you cannot do something, just allow a little more time and break the actions down to bite sized sections! So stick with your demons and conquer them! Every time you succeed with a challenge you get stronger and more confident. So to all technophobes out there you can do it, if I can build a business online so can you!

Affiliate marketing is the simplest online system for starting a home based business. Find yourself a good mentor with a proven successful business method and follow the plan. Enjoy watching your fledgling hobby business grow, enjoy the satisfaction and feel proud of your success. Every part you learn to conquer is another victory.

A few books that could help you:

"Feel the Fear and Do It Anyway" by Susanne Jeffers.

"The Power of Your Subconscious Mind" by Joseph Murphy.

"I Can Make You Smarter" By Paul McKenna.

"SEO Step by Step" by Caimin Jones.

"Microsoft Windows 8 Made Easy" by James Stables

My name is Anne -"We always aim to give more value than you expect"

Best Wishes in your venture, take a look at the information if you are looking to grow a business FAST.

I would like to introduce you to Sarah Staar's fantastic FREE information videos she has allowed me to share with you. She is a very successful Internet Marketer and Coach. Her videos are very clear and easy to follow - See for your-self NOW whilst they are available to view FREE! You will find several on our website - enjoy!

How to Earn More and Keep Your Customers Happy

We would all like to increase our earning power, wouldn't we? There are several ways to do this and all of them begin with keeping your customers happy and giving them what they want. What they look for is value for money, excellent products that match exactly to what the advertising specifies, accompanied by a guarantee for reassurance. If you deliver products like this your will gain their trust and repeat orders will follow along with recommendations.

Whatever your niche, once people are interested in a topic they often want to continue to learn more. For example if you are selling golfing products the chances are as your customers get involved in playing golf they will continue to want more information about improving their game and more golfing products. This gives you an excellent opportunity to increase your earnings. Begin your range with free or low- cost items, an access to a video course or eBooks to get people interested, then gradually increase your comprehensive range or higher value products and watch your profits grow.

Have a well written email sequence, with some great offers in it but don't attempt to make sales all the time offer free helpful information too. Use a good auto-responder to deliver your emails, both broadcast and sequence emails. Put yourself in your customers shoes, figure out what they want and give it to them, sales will be much easier then. Ask them, do a survey or questionnaire.

Affiliate marketing is a great way of fulfilling people's needs; once you have your own website you can source many suitable products and offer a funnel of products to your niche. The various suppliers will arrange the payments and delivery.

When you begin your affiliate marketing business you will find a simple solution is to have a great mentor, who has a great selection of quality products to offer your customers, maybe even free gifts. Your mentor will have a proven plan of action for making sales as quickly as possible with tools like an email sequence, training videos etc. These will help you reduce trial and error and costly mistakes. Although there may be a fee for joining or training costs, you are likely to be earning quicker with a mentors help than if you go it alone. There is also the comradeship from joining a group with the same aims, and tips available you might never learn otherwise. Working with a mentor you just direct customers to the products and get paid when they purchase making your initial entry into the online world as simple as possible.

Some books to give you more ideas:

"Feel the Fear and Do It Anyway" by Susan Jeffers.

"Thank God it's Monday" by Charles Cameron and Suzanne Elusor, a book to offer strategies for making life more tolerable whilst you make changes.

"Laptop Millionaire" by Mark Anastasi.

"Building an Online Cash Cow" by Anthony Barlow.

"Facebook for business" by Bud E Smith

"Email Persuasion" by Ian Brodie

"500 Social Media Tips" by Andrew Macarthy

"Profitable social Media Marketing" by Tim Kitchen and Tachmeem Mirza

"SEO Step by Step" by Caimin Jones

My name is Anne - "We always aim to give more value than you expect"

Best Wishes in your venture, take a look at the information to grow your business FAST.

I would like to introduce you to Sarah Staar's fantastic FREE information videos she has allowed me to share with you. She is a very successful Internet Marketer and Coach. Her videos are very clear and easy to follow - See for your-self NOW whilst they are available to view FREE! You will find several on our website - enjoy!