Bad Credit: How Long Can It Stay On Your Record?  

Will negative items stay on your credit report for 7 years? What about a reliable and cheap bad credit merchant account? Who can help you with this? Just read this article to know what you need.

Bad Credit & Bad Credit Merchant Account

The federal law that governs the period of time bad credit info can still be available on your report is called the Fair Credit Reporting Act (FCRA). Bad credit info is usually removed after 7 years. However, be aware that bankruptcy can stay for up to 10 years.

Be aware that the 7-year mark doesn’t remove your actual debt, especially if you haven’t paid it off. Specifically, the exact time depends on:

  • The information type
  • The area you live in
  • By which credit bureau the report was created

Now, let’s take a look at what affects your credit record:

  • Secured loans
  • Legal judgments
  • Bank accounts
  • Registered items/debts
  • Debt collection
  • Revolving transactions
  • Hard credit inquiries
  • Consumer proposals
  • Bankruptcy
  • Positive information

What about getting a reliable and cheap bad credit merchant account? Well, this can’t be an issue if you turn to a reputable merchant services provider that’s ready to work with your type of business. This is the fastest way to get the necessary merchant services for your company.

Bad Credit on Your Record

Factors that affect the time your damaged credit will take to improve include various things such as the time period that’s passed since your last missed payment, and more. Thankfully, you can prevent your information from getting worse even when it’s still on your file.

Importantly, you should regularly go through your credit report to find out whether there’re any issues you can dispute or negative items there so to delete them from your credit report as soon as possible.

To sum up, it usually takes 7 years for most negative items to get deleted from your credit report. So, do your best to improve your credit and enjoy better terms for merchant service. Anyway, there’re respectable alternative online lenders and payment processors that have no problem working with merchants with bad credit and ready to offer the cheapest possible rates to high risk businesses.

Author Bio: Michael Hollis is a Detroit native who now lives in Los Angeles. He is an account executive who has helped hundreds of business owners with their bad credit merchant account solutions. He’s experimented with various occupations: computer programming, dog-training, scientificating… But his favorite job is the one he’s now doing full time — providing business funding for hard working business owners across the country.

Looking To Boost Your Email Marketing? Try These Tips!

Do you have an online business that could use a boost? One easy solution is a business strategy called email marketing. Marketing through targeted emails to potential customers is a great way to get some extra visibility for your business. Read on to find out how you can start today!

If you want your email marketing messages to get to the right inboxes, target anyone whom you send to. If you already have a core set of fans or followers, offer discounts or promotions to those who get friends to show up. Anyone curious in your products and services probable has known others with similar interests, which mean you, can organically grow your list through existing social relationships.

Continue offering incentives to customers after they sign up for your email list. For example, give customers a 10 percent discount if they remain on your email list for a month. This keeps customers from losing interest in your marketing materials and unsubscribing or deleting your emails after just a couple of newsletters.

Be especially careful when crafting your first three emails to new customers. A new customer should get an introductory email inviting them to join your marketing list. Once they accept your invitation, the next email should tell them about discounts or special offers they can expect to get now that they’ve signed up. The third email should contain their first newsletter and their special offer.

Use passive and active feedback to make your email marketing better. Active feedback is obvious: ask for suggestions and opinions from your readers. Passive feedback is less obvious, or sometimes non-existent, to readers. Look at the links and images that are getting the most clicks.

Remember that your subscribers are more and more likely to use smartphones or other mobile devices to view your emails. These gadgets have lower resolutions than modern computer monitors, so you won’t have as much space to use. Be certain that all of your mailings can be read on small, phone-sized screens.

You don’t want to alienate a good customer just to keep your email base high. For this reason, you should always give readers an easy and obvious way to unsubscribe. To put a silver lining on unsubscribe requests, constantly ask readers why they want to unsubscribe and use that information to improve the experience for future readers.

When someone subscribes to your email marketing list, confirm that this is what they really intended to do. Implementing this double opt-in strategy will make it much less likely that your email provider will receive spam complaints about you. Also, you will be assured that the people receiving your emails are actually interested in what you are sending them.

As you can see, email marketing is something that any business owner can use to great effect for their business. Applying the tips in this article to your marketing strategy will make some great improvements to your business right away! Try it now and see what a difference email marketing can make.…

Find The Secrets To Social Media Marketing Success Here

Social media is a daily part of many lives today. With so many millions of people using them, you can harness a thousandth of that power in order to exponentially grow your business. How do you tap into the mass of online customers? The advice from this article will help you learn what to do.

Make links that tie all your social media sites together. Readers should be able to “Like” you on FB, find your YouTube videos or follow your Twitter feed. On the profile you have for Twitter, have a URL leading to your Facebook and to your blog. If you put up a link for all of your sites this will create more exposure.

Establish your goal for a social media campaign. If you do not know what you hope to achieve with your campaign, you won’t know when you have been successful. Are you looking for product awareness, concrete sales, or better customer service? When you can answer these questions, building a strategy is an easier step.

In order to assist your site in becoming social media interactive, add comments and ratings. In addition, you should have the ability to be able to sort out items. Giving people an option to rate things on their own will help you gain credibility.

Post links to other blog posts and have bloggers feature your content on their website. This will work if you return the favor and if bloggers see your blog as a good way to get publicity. Make sure there is no conflict of interest between you and the blogger who is going to feature you.

Make sure that you add buttons everywhere on your social media profile. Make this stand out on your blog, website, emails and also signatures whenever you leave a comment on the internet. These links should be placed on all your social media profiles, as well, to spur users to follow you on those sites as well.

Always remember who your audience is in your social media marketing campaigns and what matters the most to them. You need to post content that is applicable to them and focus your efforts in ways that keep their attention. Your posts should be relevant and of high quality that your followers and fans do not just skip them over because they are not interested.

You can have your Twitter posts appear on your Facebook wall as well. Perhaps writing different posts might be best since your audience on Twitter might slightly differ from your Facebook friends, and Twitter is about writing extremely short posts. However, this allows you to update both websites very easily.

Before starting out with any social media promotion, it is best to thoroughly research all the different ways you advertise through social networking sites. Every social network is different and learning what makes them different can help you use each one properly. If you know which sites reach the most people in your target audience, you can use your time wisely when reaching them.

Those who use social media regularly are going to be the same people who follow your links and read your updates regularly. Use the tips you just read to design a successful campaign. You will soon be making social media work for you!…