Online credit reports are an easy way to learn what potential lenders will see about us, before we apply for a loan or credit. All too often, our early mismanagement of credit, like during our irresponsible youth, winds up hurting us for years. We get negative information on a credit report that could ruin our chances of getting additional credit long after we have begun managing credit more wisely.
So, if you're considering making a major financial move it's a good idea to check your credit report to know where you stand. That way you can be aware of problems before they derail your plans. And once you are aware of these problems, you can take steps to rebuild damaged credit and clean up that record.
If you've made mistakes in paying previous loans, bouncing checks, making late payments or other problems, you may still be able to reduce the amount of damage they will do to your credit with explanations or some basic repair. The first step is getting copies of your credit reports. Luckily, obtaining an online credit reports is easy. There are many companies on the Internet that will provide you with a copy of your credit report free of charge.
You can also get a copy of your credit report by requesting a copy directly from each of the three major national credit bureaus: Equifax, Experian and TransUnion. Checking your credit through the credit bureaus directly can cost you as much as $9 per report, although it differs from state to state. You can request that the report be mailed to you or obtain it online. But with so many options available for a free credit report – why pay for the same information that you can get without having to spend a dime?
But regardless of how you obtain a copy of your credit report, the most important thing is that you get a copy for yourself, review it and make sure that it is the best it can be. Then begin working to resolve any activity that can be repaired. The sooner you get a copy of your credit report, the sooner you can begin improving your credit.
Online Business Credit Report
A single Mom with online business ambitions became a website design client after experiencing total disaster the previous two years. The client is foreign born and speaks conversational English, so without adequate pc skills or the ability to create business correspondence in English, over the course of time she fell victim to what I would characterize as online scams. Many decisions were based on late night television commercials, and trusted advisors were what she really needed. Each of her 8-10 www domains made zero dollars over two years, yet she continued ignoring my advice in the hope of salvaging these cookie cutter sites into a profitable business.
Here is the message sent by email. Company names have been replaced with their product or service to avoid identifying them or her.
You shouldn't do too many web sites all at once. Success on the internet takes more than just having web sites. If you don't have products from companies that you can trust, you will be lost and your money will be lost, too.
I'm not sure if you have someone giving you advice, or if you search the internet and decide what to do next, but the success you imagine can't happen by magic. It takes knowledge and experience, and then long hours and hard work. The commercials on television late at night are often too good to be true, and with them you have one web site that looks like 1000 others (or 10,000 in the case of the gas pill company).
The gas pill business was a big disaster no matter what happens with their legal case later this year. Like the wholesale products company, buyers have 1000's of online stores that all look the same, so you need to understand competition, and how to win this battle.
Here is what you need to succeed:
1. A popular product that is unique
2. A web site to promote the product and get listed in search engines
3. Traffic to your web site to see the product
4. Marketing to get more people to your web site
5. Return visitors to buy the product
6. Customer service by email and phone
People will never buy from you the first time they visit your web site. You need something SO exciting that they will return to your web site again and again. You need customers that are so happy they will tell other people about what you do. Finally, you need to improve search engine ranking to drive traffic to your site, or take on personal marketing like mailers to promote your online business.
A designer can help with the web design and graphics. Many do not have time to do marketing. Repeating what I said above, "It takes knowledge and experience, and then long hours and hard work." It will be difficult or impossible if you do not have the knowledge and experience, or make the mistake of trusting people who will take advantage of that fact. You can get help to know what to do, but you must be prepared to do the long hours and hard work.
For example, any new web site usually takes 6 months to one year to get listed in search engines, and a one-page website may take years (or never). The answer is pick one business, have a big web site that is search engine friendly, do personal marketing immediately, and realize that traffic from search engines will take 6 months to one year (or longer). Your personal effort will determine success, so you must do more to have sales quickly.
Sites like wholesale products or the gas pill include 1000's of owners with similar content. Search engines see that they all look alike, and you can never end up on page one when people search for those products. Search engines absolutely hate web site names with "super" or "best", etc like the Super Realty site. People may not find that type of site with search engines. You keep writing about all these web sites and new web sites. You need one web site that makes money. After it succeeds, then you can look at new ones using the profits. Otherwise, you do not have enough time to promote 10 web sites and so in the end you make no money.
Next, you have ideas about web design. The first impression is so important that your visitors need to feel comfortable at your web site. A cute blinking picture of your daughter smiling is not what people want. People spend money to solve problems. They go online for information, not to spend money. They visit web sites and compare information. Once they do that, they return to what they feel is the best solution. Gas pills? Clothes? Gifts? Real Estate? If you don't understand the competition and how to get some of that business, it will be difficult. Your web site must convince visitors to return after they are done comparison shopping. A one-page site or portal to 8-10 web sites can't do that. They shop, they compare, they gather information, and then they return to buy. If you can't get them back it won't work.
Each of the 6 items in the list above takes a plan. The strategy is critical to success. Make a mistake in any one, and making money will seem impossible.
The brutal comments to new marketing wannabes are made as a friend, not to make anyone feel bad.
Many web designers will take your money without giving advice, especially marketing advice. For me, trying to help some clients is very difficult if they already trust the wrong people, and don't have the experience to do this without help. Website designers may not have the time to teach you everything you need to know. Think about what you want for one project, and make that the priority. It's better to spend $1000 on one web site than to have 10 at $300 each.
Conclusion
Be cautious with online turnkey offers. Realize that the formula for success seems simple; offer a quality product or service at a fair price and deliver on time, and then follow up with exceptional customer service to ensure referrals. The process listed in the 6 steps above is more complicated, so my advice is do your research and seek out trusted advisors. The writing skills necessary to succeed may require the work of a freelance writer, so investigate copywriting specialists. The investment in making a professional first impression often determines the difference between success and failure.
Both Beth Pardue & Jim Degerstrom 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.
Beth Pardue has sinced written about articles on various topics from Credit Cards, Finances and Credit Cards. . Beth Pardue's top article generates over 5400 views. to your Favourites.
Jim Degerstrom has sinced written about articles on various topics from Small Business, About Branding and Computers and The Internet. Jim Degerstrom offers small business advice based on 30 years in management, sales, and marketing, including President or General Manager of small companies in 5 states. He is proficient in website and graphic art design, and runs his online Small Busines. Jim Degerstrom's top article generates over 33100 views. to your Favourites.
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