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[L30]Land Right Of Way

by Ian Webber, Ian

If you want your credit repair effort to succeed you need the right credit scores and credit reports. The wrong approach can put you on the path to lower credit scores and frustration. The information you are about to read may shock and amaze you. But if you do it right you will have a great advantage and avoid some serious frustration.

The Scores You Need

Do you know what your credit scores are? Are you sure? If you are going to begin a credit repair effort and want to benchmark your starting point you should do it right. Here's the problem. The credit scores sold by the credit bureaus are not the same scores lenders use. Huh? That's right; the credit bureaus created their own credit scores to cash in on the market opportunity. If you muddle through the fine print at the credit bureau websites you will discover the disclaimer.

Avoid Those Imitation Scores

This unfortunate fact applies to the army of credit resellers on the web as well. There is another problem with bureau scores. You may think that even an imitation score will serve your credit repair purposes, believing that your progress should be reflected in some way. I'm sorry to say that these scores do not behave the same as your real lender scores and are almost sure to result in disappointment.

MyFICO, the Right Score for Credit Repair

If you want your real scores you have to go to MyFICO.com the website of Fair Isaac Corp, the creator of the FICO score. The current cost of scores is about $50 for all three combined. A bit pricy, but it's the only game in town. And for those intrepid credit repair warriors that want more detail, Equifax does in fact sell a FICO score. Unfortunately, they only make it available for your Equifax report, and you definitely want all three scores for your credit repair effort. Also, they use an older release of the formula, so the results will vary.

But Nix on their Credit Reports

So, head on over to MyFICO and get your scores right from the source. It's the right credit repair choice. But there is another twist. Although MyFICO is the only way to get your scores, the credit reports they provide are the pits. For some strange reason MyFICO blocks out virtually all of the account numbers and offers only about half of the information that your credit repair effort will need. So get your wallet out again because you will have to buy your reports elsewhere. It takes few bucks to get your credit repair underway, but it's worth doing it right.

The Right Reports

Although the credit bureaus peddle poor credit score products, they offer excellent tri-merged reports, full of all of the detail you need for your credit repair project, and when it comes to credit repair every detail matters. I've taken you down a twisty road so far, and I'm sorry to say that there is one more twist on this journey before we arrive at our goal.

Credit Repair and the Right Deal

Here is the final twist. The credit bureaus want to sign you up for monthly membership, hence the offers of free credit reports in exchange for joining this or that service. If you are not careful your free credit report will end up costing you hundreds of dollars. If you want to join a monthly service, that's another story. There are benefits. But if you just want to get your credit repair underway and want a good cheap tri-merged report you have to look very carefully.

Hiding in Plain Sight

TrueCredit.com offers the best cheap one shot tri-merged report on the web. But it's not easy to find, so don't just run off to TrueCredit and think you're going to find it clearly advertised. In fact, it's about the last thing that they want you to buy. But it's there, hiding in plain sight. Well, almost. Scroll down the home page. Look under the main picture for small print in light gray that says that coverage is not available for residents of New York.

Credit Repair Treasure Hunt Success

Right under that line you will find another line that says that you can also get your 3-bureau credit report without the free score. Click on the words, without the free score. It's a credit repair treasure hunt. How hard can they make it? Wow. Make sure to uncheck the two boxes where they try to sell you two other ridiculous items that have no use for your life, not to mention your credit repair efforts. Now you have the tools you need to get started. Good luck!

Because of the fact that there are many new people who start an affiliate marketing business every day I decided I was going to write an article for the internet marketing newbies. Even though this article will be primarily targeted to new internet marketers I'm sure even experienced marketers may pick up a good piece of advice.

What is Affiliate Marketing

Affiliate marketing is really two things in one. Firstly, it's a way for a company that has a product or service they want to sell to sell that product or service without spending a huge amount of money on advertising and product promotion. Secondly, affiliate marketing is a way for individuals like you and me to make money selling a product or service without having to provide the product or service ourselves.

It's really a win-win situation for both parties involved but the great thing about it is it's a great way for someone to start an internet business literally on a shoe-string budget.

The reason you can get started so easily and inexpensively is because you can get started without your own website, sales letters, advertising copyrighters, and other things that can be very expensive if you're trying to start a business selling your own products. As you gain experience and start making some money you might want your own website and your own product to sell but you don't have to start out that way. In fact, I recommend that you don't start that way.

In my opinion, affiliate marketing is the perfect way to get started with internet marketing and something you should definitely consider when you decide to get your feet wet.

The reason I believe this is because there are literally thousands and thousands of merchants offering millions of products that can be sold through affiliate marketing. I'm not just talking about e-books, which is usually the first thing people think about when they think about affiliate marketing. I'm talking about products that range in price from a few dollars to thousands of dollars.

Let me give you a brief overview of how affiliate marketing works and then you can start getting into the details of what you need to do to have a successful affiliate business.

Briefly, here is how affiliate marketing works. You find a product or service that you want to promote. Your choice of product can be determined a couple of ways. You might only want to promote a product that you are personally interested in or have personal knowledge of. Or, you might want to choose a product based on how much demand the product has or how well you think you will be able to promote it. Probably the best thing to do is pick a product that meets both of those criteria.

Once you decide on the product you are going to promote you then need to go the company's website and sign up for their affiliate program. This is usually a simple process and it shouldn't cost you anything to sign up. In fact, if a company tries to charge you to become an affiliate I would run the other way.

Now that you're officially an affiliate of the company you will probably be supplied with a special affiliate's page that you can log into in order to get promotional materials to help you promote the company's product(s). Usually, at the least you will be provided with banners that you can place on your website and an affiliate link with your ID attached to it that leads visitors to the company website.

Other promotional materials that are often offered include classified ads, pre-written emails that can be used to send to your newsletter list. If you don't have a newsletter list a lot of times you will be provided with "Solo Ads" and "Top Sponsor Ads" that can be used in Ezine advertising campaigns.

Now it's your job to pick one or more of the promotional tools and get them out there in front of prospects that will click on them and hopefully earn you a nice affiliate commission.

A good place to get some detailed information on the best ways to promote your affiliate program is on your affiliates member's page.

Now that you've gotten started it's time to start doing your homework. Subscribe to a free ezine, read more articles, and if you can afford to buy a couple of good affiliate marketing books please do so. Every little bit of good information you learn will help you make your affiliate business more successful.

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About Author

Both Ian Webber & Rodney Bruce 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.

Ian Webber has sinced written about articles on various topics from Home Management, Credit Loans and Free Credit Report Score. Ian Webber is an expert in consumer law and credit repair. Ian is a graduate of the London School of Economics and The University of Chicago where he earned his LLM. Ian consults with one of the leading online. Ian Webber's top article generates over 5400 views. to your Favourites.

Rodney Bruce has sinced written about articles on various topics from Credit Loans, Affiliate Programs. Rodney Bruce is an Internet and Affiliate Marketer who offers advice and tips in his Free ezine:Permission is. Rodney Bruce's top article generates over 1900 views. to your Favourites.