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Thanks to the FACT(Fair and Accurate Credit Transactions) Act, all U.S. residents will be allowed one free credit report annually from each of the three major credit reporting agencies - Equifax, TransUnion, and Experian. This legislation makes it easy for you to keep an eye on your credit profile throughout the year easy as 1-2-3.



1) Why should I monitor my credit?

Checking your credit report regularly is a vital step to establishing good credit, especially if you anticipate making a major purchase such as a car or a home. If your credit report contains errors, and many do, this could prevent you from being offered the best credit terms from a lender.

You can also monitor your credit for signs of identity theft. More than 10 million cases of identity theft were reported to the FTC last year alone! (For steps on how to prevent ID theft, see the free e-book offer at the end of this article).

2) How do I check my credit report for FREE?

The FACT Act required the three major credit reporting agencies to set up an internet site where consumers can request their reports at no charge annually. That site is www.annualcreditreport.com.

The program is being rolled out gradually. As of June 1, 2005, those living in the Western, Midwest, and Southern states will have access to their reports. If you live in the Eastern states or a U.S. territory you will have to wait until September 1, 2005.

For those without internet access, you can contact the agencies toll-free here: Equifax 1-800-997-2493, Experian 1-800-397-3742, and Trans Union 1-800-888-4213.

3) How do I check my report throughout the year if I only get one report annually?

The FACT Act lets you request your credit report from EACH agency once per year. The temptation when you use the site is to check all three reports at the same time - DON'T.

Instead, check one report from the first agency listed. If you notice any errors or problems, contact that agency immediately and find out what you have to do to correct those errors.

Then four months later, check the second agency. Four months after that, check your report from the third credit reporting agency.

And there you have it - an easy 3-step process that lets you monitor your credit profile for errors and identity theft throughout the year at no charge to you!
1 2 Xbox 360
When developing the content for your marketing collateral such as color brochures or flyers, you have to be very descriptive. Your words or your visuals must be able to capture what you intend to offer. In this case, your ordinary steak becomes a connoisseur's delight. The ordinary pound of steak becomes a gastronomical treat with a few simple words.

This article will talk about how you can improve your marketing strategy with these simple tips. Read on and create powerful collaterals.

1. Use humor. It is said that the humor is the shortest distance between two people. Collect your own stories. Use funny anecdotes. Borrow witty jokes from co-workers or talk show hosts and put your own spit to it. A witty hook in your color brochures would not only capture the interest of your target client, it will also make the entire spiel more amusing.

2. Make your information easier to follow. There is nothing more frustrating than brochures full color ads that is cluttered with information. In other words, nothing beats well-organized, well thought-of marketing collateral. The key here is to make your information memorable by making it easy for the readers to follow. Sign posts help readers go through the entire print. Consider this example:

This steak is not your ordinary steak?

First, it is grilled to perfection according to your desire?

Second, it comes from the best Angus beef farm from the mid west?

Third, it is topped with our specially concocted steak sauce?

3. Keep it jargon free. Woo with simple, easy to understand words that build trust. Keep the heavy words in academic discussions. Always remember that language that tries to impress fails to connect. The aim of your brochures full color is to connect with your readers. As much as possible, veer away from jargons, bureaucratese, and pompous language in your marketing tools.

4. Recap. A good marketing collateral concludes with conviction. Since this is your last attempt to persuade, your conclusion must be able to seal the deal. Most marketing collaterals just end without a good recap. It is like a dinner without dessert. Any good sales pitch must end somehow but always remember that you end with a bang. Consider your ending and design it in a way that it would lead to a favorable decision from your target client.

Need I say more to conclude? Just follow these tips and create wonders in your color brochures.
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About Author
Both James H. Dimmitt & Kaitlyn Miller are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

James H. Dimmitt has sinced written about articles on various topics from Credit Cards, Debit Credit Card and Cars. Discover the secrets to managing your finances in our free weekly E-zine "To Your Credit". Subscribe TODAY and receive INSTANT BONUSES.Subscribe HERE. James H. Dimmitt's top article generates over 18100 views. to your Favourites.

Kaitlyn Miller has sinced written about articles on various topics from Credit Cards, Advertising Guide and Brochures. For more information, you can visit this page on . Kaitlyn Miller's top article generates over 22200 views. to your Favourites.
101 Small Business Ideas
Simply focus on taking one step at a time, and before you know it, youll be the one sucking up all the glory, while someone else slaps their forehead and says, Hey, that was MY idea!
 
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