Category Archives: Business

Online Businesses You Can Start FREE

 

There are many online programs launched daily. It is hard to choose. The following systems you can start FREE and start earning right away. You are likely to make more, if you upgrade. BUT YOU DO NOT HAVE TOO. In addition to earnings, these programs are to be used to build your list of clients.

CREDIT CARD PAYS YOU REBATE ON YOUR REFERRALS PURCHASES

Visa-backed credit card gives rebates on your referrals purchases. It is free to join. You may not have to pay taxes as the earnings are from rebates.

EARN MOOLA WITH UNIQUE SYSTEM

Unique system as it sends buyers wanting to purchase from you. Once they purchase, you are in the system to earn. Exemplary and desired products.

BECOME CEO NOT BOSS

Auto-pilot Earnings. All done for you system. Simple to use. Get Started for FREE.

FREE INCOME MACHINE

Dream system that is easy for beginners. Earn up to $350/day.

EARN BY GIVING AWAY FREE WEBSITES

You earn by giving away 100% automated websites. FREE members earn too.

EARN BY GIVING FREE MEMBERSHIPS

Innovative concept of giving away “silver” memberships. Up to ten memberships.

30 Day Traffic Flow Review- Methods To Get Free Targeted Traffic

There are many folks engaged in online business. They have built a website. They have done the hard part. They are sitting back and waiting for all the eager customers to visit and pay for the product/service. But not many visit their website. What’s wrong with this scenario?

If you are in online business, your success depends on getting folks to look at your offer- product or service. Getting visitors to your offer is known as getting traffic. Being able to get continuous traffic is of essence.

Well, I’ll tell you this; the visitors do not ‘magically’ appear at their websites. Wouldn't it be great to have a system which allowed you to access numerous traffic getting methods and to be able to keep track of all your traffic, so you can see at a glance what is working and what is not?

>>> Learn How To Get Traffic Here! <<<

You need to give visitors directions. You need to show them how to find your website and drive them to your website, product or auction using ‘Free Targeted Traffic Methods’. You need to set up multiple streams of free targeted traffic.

It needs to be emphasized that to succeed in online business, you will need to master in getting traffic. There is a system, called 30 Day Traffic Flow designed by Dave Whitworth and John Thornhill.  It is a great resource.

It is targeted to people who don’t have a big budget, or any budget and it offers a whole range of great methods, advice, tips, tactics, and information. The course shows easy to follow and provides a whole load of information, advice, and tips that are separated into tidy little modules.

>>> Learn How To Get Traffic Here! <<<

It is a system that uses a computer program that anyone can use with free resources. A system that when followed will give you a steady flow of traffic that will turn into a flood. If you are sick of all those programs promising thousands of visitors to your site and you are not afraid of a little work, then why not check out the 30-Day Traffic Flow.

It is a step by step system which anyone can follow.

Moola Vine Review- System Brings Buyers

Moola Vine (MV) is based on innovative reverse marketing concept. Simply put, instead of you chasing buyers to buy product from you, buyers seek you to buy products. The products can generate hefty 50 to 75 percent commissions. MV generates multiple sales from Clickbank and JVzoo marketplaces.

Moola Vine is a simple affiliate program in which your Clickbank and JVzoo affiliate links will be placed. Every time you make sales you get paid from the respective networks. Instead of going after people to sell, the system makes people chase you to purchase products from you, meaning any products you’d like to sell to your entire Moola Vine members.

Get Access & Start Earning Now

There are two ways to become a Moola Vine affiliate member. You can register as a free account and purchase the product from your sponsor or directly activate the Moola Vine membership by upgrading. Interestingly, free members also earn commissions.

Earnings Made Easier

Moola Vine offers a simple way to boost your income from two prominent online sources -Clickbank and JVzoo.

As a free member, you’ll have to purchase a product from your sponsor affiliate link. It can be anything. The more you purchase the more credits will be given. Each product purchase comes with a certain number of days. If you have the credits you can make money from your members who will purchase products from your link. When credits reduced to zero, you again purchase another product to be able to earn continuously.

Get Access & Start Earning Now

If you do not want to purchase products, you can instantly upgrade to premium membership, so you will not need to meet the purchase requirement. That is, it. Then you simply promote and start earning monthly commissions.

Well, MV may be a new system but the founder is one of the best affiliate marketers and enjoys reputation of paying on time. Furthermore, MV system entails you getting paid directly from Clickbank and JVzoo.

Get Access & Start Earning Now

MV is not a bitcoin, revshare, MLM where you need work a lot upfront. MV is very innovative and it is converting well.

Free Income Machine Review- 6 Reasons It Makes Money


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What is Free Income Machine (FIM)

The best part of Free Income Machine (FIM) is that as you enter the sales page, you are entering “machine” where the fully automated sales system takes over. As a FIM marketer, you don’t have to explain anything, ask anyone to buy anything, fill any orders or train people under you. The “income machine” handles those tasks while you get the money.

To benefit from FIM, all you must do is promote FIM. When your prospects get to the sales page, they enter the “machine” where the fully automated sales system takes over. The FIM pumps out hard cash instantly right into your PayPal.

Start Earning Now with Free Income Machine

It is a great little program to earn extra income after retirement or any time. Here are the reasons how earning is made easy with FIM.

Tried and Proven Money Earning System

The business is already set up for you. If you are a newcomer or have not made money online yet, you step into an existing business. That means you efforts will be to get better at marketing.

The Proven Niche- Opportunity To Earn High income

The top search online (Google) is for information on making money from home. It is estimated over half a million people per month. Free Income Machine has internet marketing products which you can earn up to 100% commission. Though money may not be everything, high income is needed for wealthier, happier and satisfying lifestyle.

Versatile System To Make Money For Everyone

FIM has a system that works for people at any level of ambition and experience. The system works for:

  • Newbies: who don't want to have a web site, invest any money, do any selling, or learn much about marketing;
  • Beginners: who have high income goals and are willing to make a small investment and work at least a few hours per week;
  • Experienced marketers: who want an easy way to add a lot more income to their business at no expense and with little or no additional work;
  • Anyone: who wants to make good money from home without having to talk to anyone or answer any questions by email or social media.

Start Earning Now with Free Income Machine

System Designed To Enhance Your Marketing Skills To Earn

Your task with FIM is to let people know about FIM and give away the system. FIM provides the information and tools for using simple, effective ways to reach good prospects. FIM also provide the tools which will enable you to build an email list. The list is not necessary to make money with FIM; but your list will enable you to make money with other systems.

System Enables Quick Earnings

The system is designed so that newcomers get commissions right away (100%). The sales are closed automatically filled at no cost to you. Immediate earnings enable you to invest earnings into your online business if you are serious about your online business.

System Can Be Used As Marketing Tool

The significant of the system that it can be used as enhancement to your marketing of other programs- income opportunity, health enhancement, personal development fields. You could offer the system as a FREE gift- in emails, on thank-you pages or any downloads. And it is done with no added expenses and little or no added work.

Start Earning Now with Free Income Machine

No system alone can earn you money, but your powerful marketing system will yield you continuous success with any program you deem beneficial to you.  It may not be bad idea to start your venture with Free Income Machine.


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Best Easy Work Review- Ideal For Online Business Starters


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I came across Best Easy Work (BEW) several month ago. BEW promotion was a way to make over $500 per day! To me sounded like hype, so I did not pay attention. But lately BEW has been getting momentum, so I opted to check out again.

Though hype aside, BEW system can be used as a foundation for your online business. It can be leveraged to collect revenue and learn marketing techniques to promote your future online business ventures. The best feature of BEW is that the system enables you to earn even as a free member. Though your earnings are limited, but you are able to earn $25 for each paid referral. So that is substantial considering BEW does the most of the closing for the deal.

FREE Members Earn Too Here!

In many reviews, it is claimed that BEW does not offer any product. That is not totally correct. All members- free and paid- get following:

  • Dedicated website hosted free
  • Individual dashboard with training, marketing essentials
  • Marketing follow up and close of sale

As a newcomer (or those who have not earned online), BEW is a great opportunity. BEW provides major framework of business. You are paid to promote BEW- that is to get traffic using your dedicated link. Your efforts enable to get traffic generating leads so BEW can close them. In order for you to succeed in the program you will need to send a lot of targeted traffic and get people to sign up.

Getting traffic is essential step to be successful in online business. Getting traffic cost time and/or money. There are various free methods to get traffic, but it will require your time to implement those methods. There are faster methods to get traffic if you are willing to pay for it. Note that some of these methods are covered in BEW training area.

FREE Members Earn Too Here!

The uniqueness of BEW system is that you can earn even as a free member. You can earn $25 for each paid referral. Of course, as a free member you are not able to get commissions from your team members. The BEW system allows you to earn 4 ways:

  • Direct sales
  • Upgrades
  • Rollups
  • Overrides

In order to join Best Easy Work, you’ll need to purchase at least one of the ten different plans being offered by the company. This means that your joining costs can be as little as $88. You can also choose to join BEW without paying anything, but this only allows you to earn direct commissions for your recruitment.

BEW is relatively new system and as such one does not know how long it will maintain dominance. The only source of income that’s making its way into the BEW is through the money sent in when affiliates pay the required fees. Thus, when affiliate recruitment dies down, BEW will be no more.

FREE Members Earn Too Here!

That is a brutal reality. As such, you should not rely on BEW to be your exclusive source online revenue. Using BEW concept, you will need to build your marketing system- traffic generation, capturing leads, sorting leads in various niches. That way you are able to generate revenues from multiple opportunities. Never rely on one system or one entity to earn online.

You may want to checkout the reviews of following systems to add to your online business system:

In short, BEW is good system to start and build your online business. As your marketing system expands, you can add multiple systems to your portfolio. The emphasis is to build your online business, to that end BEW is a good system to start with.


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Covert Commissions Best System To Start Online Business

Covert Commissions (CC)is unique system especially for the newcomers entering online business. It is also a good system for those who have not made any money online business. It is best to know what CC is about.

CC is a “system” or “software” that has numerous products-referred as “missions”- either from ClickBank or JVZOO. Each product is provided with necessary marketing tools- landing page, banners, Tweets, emails, articles, etc. With the standard license you can create 5 different landing pages. You’re given a link which you can use to drive traffic to your landing page and hopefully the visitors purchase the product you’re promoting. You can also add additional missions (products) as you start earning revenue. Detailed review of the system appears here.

Be CEO- Not Just A BOSS!

CC has selected products in various niches- making money, earning money, relationships, healthy lifestyle. So, you can promote any niche(s) you prefer.

In all honesty, CC is not likely to generate massive earnings. But what is unique about CC is that it will help you solidify your online business in the long run. With CC entire system from landing pages to marketing system done for you, all you must concentrate is generating traffic to the systems’ landing pages. This is important as you will be focusing on traffic generation. The essence of succeeding is being able to generate traffic to your products/services.

CC does the marketing for you as people sign up to your dedicated link. As people purchase the products with your link, you get paid. It is recommended strongly that you have people sign up to your squeeze page and then send them to CC landing page. This enables you to collect the customers’ name and email, so you can build your mailing list.

Be CEO- Not Just A BOSS!

It needs to be stressed here that to succeed in online business proficiency in traffic generation resulting in buildup of email list is essential. With CC, you are bound to get there as you need not worry about products and associated marketing.

Here are the suggested steps:

Why would I want to do that, you ask?

Be CEO- Not Just A BOSS!

If you are serious about online business, then you must have strategy to build your business. The strength of your business will depend on your traffic generation that is reliable and your mailing list that comprises your customers and clients. Once you have mastered, you will be able to promote any product or service to earn as often as you want with certainty.

Covert Commissions is indeed the best way to get into online business for newcomers. It is also workable solution to those who have not earned online yet.

Be CEO- Not Just A BOSS!

Covert Commission Review- Earnings On Autopilot


Not a day goes by without a several business opportunities offered promising you to riches overnight. There lies the problem. So much misinformation that you must compete with if you are promoting any opportunity. It is tough for beginners.

But fear not. Cover Commissions is easy, simple and effective. It’s an awesome affiliate commissions generating system with done for you sales funnels. But you must note that Covert Commissions (CC) is not a magic solution that you will earn money without any efforts. It is innovative affiliate marketing system developed by Cindy Donovan. She’s a well-known professional online marketer who has been in marketing for years.

Get It Now- FREE To Start

CC is aimed at beginner affiliate marketer or for those seeking an extra income. CC allows you start FREE to test the system out. Then with the standard version, you get 5 ready- made funnels to promote (and some great traffic training). Covert Commissions is ? very thorough and comprehensive product.

CC products are a complete “done for you” sales funnels. It’s so complete that it is a plug-and-play system that helps you make money from affiliate marketing easily. It is easy for newcomers because only they must drive traffic. This allows newbies to master driving traffic.

Get It Now- FREE To Start

You can’t beat CC as it is a 100% done for your program. Don’t worry if you are a beginner. The program was developed in 2015 but enhanced by . After years of development, Cindy Donovan has added in more incredible new programs to make it even MORE lucrative than before.
CC system consists funnels done for you automatically:

  • Squeeze Pages Links
  • Promote high-converting offers
  • Highly responsive emails
  • Bonus packages creation for each promotion
  • Mailing affiliate links in each promotion

Each funnel consists out of these steps:

  • Send people to a squeeze page with a free report. The free report gives some tips for the main problem (but doesn’t solve the problem completely).
  • People subscribe to get the report via double opt-in.
  • People land on Thank You page and will be asked to check email to confirm subscription.
  • People confirm subscription and land on the confirmation page.
  • Subscriber receives your first welcome email with a link to the download page.
  • Subscriber gets at least 4 follow-up messages.
  • By using optimized emails (confirm subscription, confirmation, welcome and follow-ups) and landing pages (squeeze, confirmation, thank you and download) your prospect will at least see your main offer 7 times.

Get It Now- FREE To Start

CC has over 60 money-generating programs (missions). CC also includes release for popular upcoming launches. CC anticipates 1-4 new ones being released EVERY week.
The main feature of Covert Commissions is that affiliate (YOU) can concentrate in driving traffic to dedicated link to each program (mission). here is nothing that requires setup, hosting or coding at all. All you do is promote your dedicated link. That will result in commissions to your site.

Covert Commissions let you know how you could get sales and where to get them. Each promotion mail has a tracking ID which allows you to track how much money you can make from a JVZoo account.

The Major benefit of CC system is that as you drive traffic to programs you earn commissions as well as build your list for future profits. CC focuses mainly on newcomers. For the experienced marketers, CC will be system to entice newcomers to their team

Get It Now- FREE To Start

The main advantages of Covert Commissions are:

  • Easy to use – Just need to enter your JVZoo and Clickbank affiliate ID to access the system.
  • All sales funnels are built for you by the authors.
  • Covert Commissions has removed all the technical and product challenges that can hinder your business.
  • They deliver pre-sell reports and videos to capture leads.
  • They track and watch for your link on a regularly to make sure that the system continues to work effectively.

No system is perfect, but CC is a unique system for newcomers to test the online income generation. The CC concept will help you earn commissions while you master traffic generation methods.

Get It Now- FREE To Start

In summary CC serves as learn while you earn system, but it will enable you to concentrate to master traffic generation methods. Once you master the traffic generation, your online earnings are likely to boost dramatically.

Get Paid To Watch Movies

Yes indeed, you can earn extra money by watching movies.  If you are serious, you can make extra cash by having fun while watching movies.

There are some entities that will pay you to watch movie previews, celebrity videos, the latest news and dozens of other videos?  In addition, some will pay a bonus $5 just for signing up.

You need to watch entire shows in a specific playlist to earn your bucks, so be prepared. The paying sources will let you know how long the playlist runs before you start watching, and playlists range from a few minutes to about a half hour.

Start Making Money Watching Movies Now!

The availability is subject to change, but you are able to sign up various companies to earn hefty amount per month watching these videos!

Theaters and movie studios want to collect data about the audience that attends their movie premieres. They want to know how many people buy tickets on opening day, which screening time is most popular and which previews are being shown. And they want independent data from third party evaluators – that's where you come in.

Movie premiere secret shopping is called an “in-theater check.” To apply, you'll need to fill out an application with various organizations.  The application is just a few questions long, and nearly everyone in the U.S. and Canada is eligible.

Start Making Money Watching Movies Now!

Once you're accepted as an auditor, keep an eye out for email alerts for new assignments in your area. You can accept or decline any assignments – so if a movie's not even worth watching for the amount you get paid, you don't have to see it!

Surely, you will not have huge paydays, but you'll get a free movie and earn about $10 to $20 an hour for your time and you will be entertained.

Start Making Money Watching Movies Now!

Niches To Earn Money Big Time

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If you are in online business (or thinking seriously about it), it is important to know what niche is likely to generate income. Getting targeted traffic to a low-end offer is just as difficult as getting targeted traffic to a high-end offer.  So, why not go after the most profitable affiliate niches that pay high commission.

eCommerce

Many people contemplate breaking away from the 9-5, spending more time with their family and dream of a more passive income.  E commerce can eventually be a passive income after you set it up.  By directing your audience to their eCommerce solutions, some places pay up to $150 per referral.

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Credit Repair/Debt Settlement

Over 80 per cent people have issues in their credit report. Many have old or erroneous information that results in their poor credit scores. In some cases, they have too many debts. So, people need help in getting their credit in order. So, there are services that offer to help people in repairing credit and or consolidating debts into a single payment that is easier to manage.

Home Security

The strongest emotion is fear. The fear of being robbed or family being attacked is dominant factor for those want to feel safe at their home. Over $42 billion is spent each year to buy guns. But most resort to home security to keep their home safe. Over the years home security has become massive industry.

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Drones

Once drones may have been used for dropping bombs in a war.  Not any more. Now drones are used to deliver mail or packages. Some food outlets are using to deliver food to their customers. Some are using it to pursue their hobbies such as photography. The use of drones will be on the rise as laws are in place for operation in normal day to day life in the civilian world. Lucrative opportunities with high end profits.

Private Spying

Often termed as a private detective, in current state of the world it has turned into spying. As relationship goes sour, one party is anxious to check out who their partners are cheating with. Jealousy knows no limits when it comes to nabbing their partner. But now it has gone further. Special interest groups want to spy on companies, CEOs, landlords, etc. The list is endless. In many instances, no special licensing is required, and most people are willing to high price.

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Luxury Travel

More and more people are travelling whether it be for work or pleasure. Some folks spend millions of dollars each year on having special occasion bash- wedding, birthday, graduation, bachelor party, etc. But people are getting fed up with waiting in line at airports etc.  The solution is people hire a complete aircraft. Special niche that is likely to pay hefty commissions.

It is no secret that baby boomer generation is getting older and they have accumulated wealth. But as they get older, there are special health issues arise. Helping those folks can be rewarding.

Medical Tourism

People have a desire to look and feel great. As the cost of cosmetic surgeries being extremely high in western countries, people are willing to travel to countries like India, Thailand, Cuba and Costa Rica. In many cases, many health insure companies are willing to pay for the treatment because the costs are reasonable.

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Massage Chairs

Massage chairs are great for use in the home. But the need of massage chairs is in demand at- airports, shopping malls, heath clubs, hotels, rehab centers, etc. By the way, massage chairs are certainly not cheap.  Find the right target and you are set to profit.

You'll forever have both rich people who have an endless amount of money to spend on high end goods and poor people who are constantly seeking money who turn to loan companies and gambling. So, whilst there's no 1 niche that is the ‘most profitable' for affiliate marketing (or any other) purposes if you want to get involved in big money niches then pick one of these three niche types.

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america's best selling credit repair

Credit Score Defines YOU

america's best selling credit repair 

Most people know that credit scores are important for their financial related transactions, but their knowledge of the credit scores is woefully inadequate. There is a tremendous lack of understanding in the US about how credit scores work. Lots of people are actively damaging their credit score while thinking they’re helping it. Others are completely ignoring it altogether.

Here are some tips to change several personal financial habits for the better.

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Do Not Avoid Credit Cards

Recent recession has taken toll on many young folks as they witnessed destructive power of poorly managed loans and credits. In addition, most youngsters are buried in their own student loan debt. According to a recent Bankrate study, only a third of Americans under 30 own a credit card. By comparison twice as many people over 50 own a credit card.

As an alternative to credit cards, millennials and other Americans are using debit cards more than ever. The reason is obvious: debit cards are a great tool to help you avoid spending money you don’t have. But there are many misconceptions about debit cards.

Debit Cards Do Not Help Your Credit Score. Debit card gives you access only to YOUR funds. It does not give access to a line of credit. Thus, it does not help your credit score.

Debit Cards Are NOT Safer Than Credit Cards. It is true that debit cards may provide you protection against increasing your debts. But debit cards do not protect you from liability. You may be liable up to your entire bank account if your debit card is compromised. Most credit cards offer $0 fraud liability and there is a law called the Fair Credit Billing Act that caps credit card liability to $50.

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Building Your Credit Adds Value

You need to strive for building a good credit score (over 680). Here are some top reasons to have a good credit score:

  • Improves your ability to buy or rent a home
  • Lowers interest rates on home loans saving you potentially thousands of dollars
  • Increases your chances of landing a business loan if you want to start a business
  • Gives you access to credit cards with better rewards programs
  • Can improve your chances of getting certain types of government and finance jobs

Managing Your Credit Is Essential

Note that there are countless stories of credit misuse. The average US household owes more than $16,000 in credit card debt. Misusing credit can have a disastrous effect on your credit score. It is true that you need to use credit, but it is also true that you will need to focus on building improved budgeting, spending, and earning habits first before diving into the world of credit.

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Misconceptions About Credit Score

Another reason millennials avoid, and misuse credit cards is due to some big misunderstandings about how a credit score works. Below is a list of the most common and egregious misconceptions:

Increasing Credit Use DOES NOT Improve Credit Score. Common belief that you can increase your credit score by spending more with credit cards is totally false. Having a high credit use rate will hurt your credit score.

Maxing Credit Card Limit Does Not Improve Credit Score. Often there may be needing to use the credit card to the maximum limit, but you need to make sure you reduce balance as soon as possible.

Checking Your Credit DOES NOT Lower Your Credit Score. Surprising many people believe that when you check your own credit score, will affect their credit score at least as much or more than a hard pull. You can check your credit once a year from each credit bureau for no cost or any impact to your score. Furthermore, if credit is pulled because of creditor’s inquiry during your search of a loan within a time frame, your score is not impacted.

Partially due to this big misunderstanding, there are tons of millennials walking around without knowing what their credit score is.

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Factors Affecting Your Credit Score

Paying On Time. Paying your credit card bills and loan payments on time is hugely important to improving your credit score. Late and delinquent payments can stay on your credit report for up to seven years so it’s really important to avoid them. You need to note that service credit bills such as rent, phone, and electricity do not get reported to credit bureaus. So, you are not building good credit by paying those on time.

Reasonable Credit Utilization. Credit utilization simply means how much of your total available credit you’re actively using. For example, if you have one $5,000 credit card and you’ve spent $2,500 on it, your credit utilization rate is 50% for that card. If you have multiple cards and balances, they all get added together to figure out your overall credit utilization rate. Overall, the lower your credit utilization rate, the better your credit score will be. With that being said, as long as you keep it under 30%, you’ll be in pretty good shape.

Age of Credit History. Simple rule to remember is that the older your credit accounts, the higher your credit score will be. This is because the longer you responsibly utilize credit, the more trust you will build. Never close old account that is in good standing.
Credit Mix. Credit bureaus favor profiles that contain a wider mix of credit types. Somebody that has a credit card and a mortgage will score higher in this category than somebody with just a credit card, all else being equal.

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New Credit and Credit Inquiries. If you open a bunch of new credit cards in rapid succession, it’s going to look like you’re desperate for money and it will negatively impact your credit score. When applying for loans, apartments, or new credit cards, the issuing provider will usually do some hard credit inquiries or “hard pull” on your credit score to get a detailed understanding of your credit worthiness.

Credit Score Summary

Different credit bureaus use different score calculations, but usually they fall into the same general pattern. FICO is very transparent about how they do their calculations and offer the following breakdown:
Payment History – 35%
Credit Utilization Rate – 30%
Length of Credit History – 15%
Credit Mix – 10%
New Credit – 10%

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Impact of Student Loans

Student loans are treated like any other installment loan such as a mortgage or auto loan. And just like a mortgage, the total amount of your student loans won’t have much of an impact on your credit score.

Student loans can be a net positive on your credit score. Student loan payments are reported to credit bureaus, so if you’re making your payments on time that will be counted as a positive towards one of the most important factors.

Having student loan counts as another form of credit so it’ll help the “Mix of Credit” category by giving you a more diverse credit portfolio.

Being Proactive About Your Credit Score

Monitor and Understand Your Credit Report. Just as you check your balance in your bank account, you will need to monitor your credit regularly. Just monitoring is not enough but dispute any inaccuracies that might be present- such as a duplicate report or identity theft. Here are few tips to improve credit score.

Become an Authorized User. If you have a friend or family member that has excellent credit, they can make you an authorized user of one of their credit cards simply by calling the credit card company and requesting the addition. That account will then start to show up on your credit report as well as theirs. If the account is solid and the primary account holder hits all their payments on time, this can help your credit, especially if you’re just getting started building a credit history.

Pay Credit Card Balances Multiple Times Per Month. Credit bureaus will check your credit utilization rates at different times throughout the month. So even if you pay off your balance on time at the end of each month, your credit utilization rates might still appear to be very high if you used a large amount of your credit limit during the month. To get around this you can pay off your balance multiple times throughout the month.

Report Rent Payments To Credit Agencies. Even if you don’t have much of a credit history, you may have a nice history of paying your rent on time. All three major credit bureaus will include rent payment history if it’s reported to them. To accomplish this there are a variety of services and costs as well as some amount of assistance from your landlord.

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Conclusion

The essentials that you need to note:

  • Never use more than 30% of your available credit limits
  • Pay all loans payments and credit card bills on time and in full
  • Don’t generate more than three hard credit score pulls per year

If you follow these three simple rules, your credit will likely be in great shape. But it’s still best to more fully understand the way your credit score works.

You can manage your credit on your own, but  seeking professional service will yield positive outlook in your financial matters.  See additional information here.

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