Get Funding with Bad Credit A pay day loan is excellent choice

Having low credit or bad credit can be a demoralizing thing. No more so than when you need that credit to secure a loan. Your credit score affects your life in a multitude of ways. Having a good credit score allows you to secure the best rates on your mortgage, your auto loans, and even when refinancing your student loans.

Most people don’t realize that having bad credit doesn’t necessarily reflect on your spending habits. Responsible people can end up with bad credit for a few surprising reasons.

  1. Using only one credit card for everything

Many people are surprised to learn that only using one credit card and using it frequently can negatively can give them a low credit score. This applies even if you pay the balance off in full each month.

While paying off you balance in full each month is something you should definitely be doing, banks also calculate your debt risk levels with something called utilization. Utilization refers to how much credit you’re using, and not the debt load you’re carrying.

For example, if you have one credit card with a $1000 limit and you use $200 of it at all times, that’s a 20% rate of utilization. A high utilization score can have a negative impact on your credit score for two reasons: it suggests that you cannot control your spending and it negatively affects your credit limit increases. This is because banks see you as using too much of your available credit to offer you more.

To prevent this, pay your credit card down more frequently, keeping the balance above zero but still quite low. You can also increase your available credit to make your utilization percentage smaller.


  1. Not knowing what’s on your credit score

There are many strange things that can pop up on credit reports. This is why it’s important to know what’s on your credit report by checking it at least once a year.

What’s even more important than knowing what’s on your credit score is knowing how to take action when you see something there that shouldn’t be. Reporting inaccurate information can often be done online through reputable services, or you can report the issue directly to the Consumer Financial Protection Bureau by registering the complaint online. Creditors act much quicker to remove erroneous information when the regulator is involved. 

  1. Paying collection items first

We understand, when something goes to collection the constant harassment by collectors can be downright infuriating. This is why many people pay collection items first and skip or neglect active accounts, like skipping a couple credit card payments.

The issue with this is that once something has gone to collections, the damage is done. However, your credit cards and active accounts can still damage your credit if they are neglected.

By ignoring your credit cards to pay your collection items, you may actually end up with worse credit.

Getting by when the chips are down

If you happen to be a in a tough situation and are suffering from a low credit score, you’ll still need a quick way to get money into your hands. Whether this is to cover an unexpected bill from your car breaking down, or making sure your credit cards get their minimum paid when something else goes to collections, the fastest way to do it is with a payday loan.

Payday loans are a relatively small amount of money borrowed at a high rate of interest that is meant to cover you for a short period of time. It’s important to be able to pay back your payday loan in full, otherwise you will suffer the damages of the high interest payments.

Credit Card Processing Mistakes to Avoid in Ecommerce

The life’s blood of ecommerce, credit card payments are the killer app without which online shopping would not exist. Of course, along with the convenience they provide, credit cards bring some pretty significant issues of which digital merchants need to be aware.

Here are five common credit card processing mistakes to avoid in ecommerce.

1. Skimming Over Terms and Conditions

We’ve all become accustomed to simply clicking “Agree” when presented with a Terms and Conditions screen. As 50,000,000 Facebook users recently discovered, that’s probably not the best idea when you’re counting on business to be done in a specific way. Skimming over the terms and conditions can be positively ruinous for your ecommerce store when it comes to credit card processing agreements.  You could be leaving yourself open to all sorts of financially debilitating situations. Read over everything carefully before signing, or have it gone over by someone you trust who has competency in such matters.

2. Agreeing to a Volume Requirement

Many processors insist upon merchants doing a set dollar amount of business with them each month. Meanwhile, if you’re just starting out, you have no idea where your sales volume will land. If you’ve agreed to one of these deals, you could be on the hook for money you didn’t make. If you must sign on to a volume agreement, start out with a low volume processor, then scale up as your sales increase.

3. Overlooking Hidden Fees

Every processor has fees. After all, that’s how they make their profits. Now, with that said, don’t just automatically go with someone who seems to have the lowest fees. There are many ways a lower fee structure can wind up being costlier in the long run. Fees can vary based upon the type of credit card your customer presents. Online transactions can entail higher fees than physical ones in brick and mortar stores. And, those “customer rewards” offered by certain card companies are paid for by charging you higher fees too. Being mindful of the fee structure when you choose a processor is an imperative.

4. Skimping on Fraud Protection

Whether you’re running ebooks online stores, selling furniture on the ‘net or cosmetics, one good run of chargebacks in a given month could put you out of business. Chargebacks can occur when unscrupulous individuals steal credit card numbers and use them to make purchases at your store. When these charges are discovered by the rightful owner of the card and reported to their financial institution, you can be compelled to refund the legitimate cardholder. This puts you at a double loss. You’re out of the money as well as the merchandise the fraudster “purchased”. You want to work with a processor who will do everything possible to minimize fraud—and offer you protection if criminals slip through their defenses.

5. Taking on The Responsibility of PCI Compliance

Payment Card Industry Data Security Standards (PCI DSS) were put in place to make credit card transactions as secure as possible. A necessary part of doing business, they can also be expensive to meet. Further, PCI DSS protocols evolve as new threats emerge and methods to thwart them are developed. Keeping up can be difficult when you’re also trying to run your business. To avoid this, choose a processor who maintains PCI compliance and make sure your site is being hosted by a PCI compliant entity as well.

Affording the proper attention to these five credit card processing mistakes to avoid in ecommerce will save you a lot of headaches. They will also help you keep more of your hard earned money where it belongs—in your bank account.

Attractive Propositions: Do These 5 Things Right and You Won’t Have Any Trouble Finding a Buyer for Your House

In the current competitive property market, it is essential when trying to sell your house that you give yourself an edge when finding a buyer. Recent evidence shows that half of the properties that come on the market do sell. With that in mind, you must put in an extra effort to effectively market your property. So what will help you find a discerning buyer for your property?

Enlist the right estate agent

Gone are the days when home buyers needed someone to walk them through a house and show up when finalizing the sale. Nowadays, home buyers are looking for a lot more when enlisting the service of an agent and have high expectations for what precisely the agent should deliver. As a seller, you need to find the top selling real estate agent in your area, taking into account their charges, client’s reviews, the agents speed of selling houses, as well as how effective they’ve been at securing the asking price for a property. Check the local papers and property portals to get a feel of which top three agents are and ask for proof of sales when you invite them to your property for an appraisal. Also, you can ask for a marketing plan for your property detailing the comprehensive details of the proposed advertising avenues where your property will be showcased, as well as an explanation of how they are going to convince buyers to buy your house.

You can also inquire about the action they propose to take if the property is not sold within the first three months. Compare the fees charged and suggested market prices for your property and be suspicious of an agent charging meager fees and stating high market prices as a way to beat off competition.

Get the right marketing price

We all assume our properties are worth more than the others in the market, but if you want to sell it, then you need to market your property at a competitive price. Be sure to research on similar properties in the neighborhood to ascertain what they are selling for and the average price per square foot so you can price your property accordingly. Keep in mind the price displayed on most real estate portals as the marketing price differs from the sale price by a 5 percent margin. Don’t be tempted to start high and then lower your price if it doesn’t sell within a set period. Home buyers are wary of properties that have been on the market for a while and slashed their price. This makes them think that something is amiss with the property and will choose to rule it out. You may also include a special buyer package to give to clients when touring your home.

Tidy up your property

Forgive my bluntness, but you are not going to get the top price for your house if it looks messy. Buyers are keen to find homes that are move-in ready and lack any problems. Clean all surface areas and store away all magazines, books and clothes. Do some gardening and move the bins to a less visible location. It may require you to drive vehicles away from the front of your house when viewings take place as it will open up your property and give it a more appeal. Find an appropriate place to store all the junk for a while as this will be meaningful in the long run. Do all the small touch ups that will make your property more appealing when someone comes to view. Don’t do massive renovations that will eat up most of your investments as you are likely not to get your cash back. You may as well consider having your home pre-inspected to assure buyers your house is in good shape before putting it up for sale.

Capture the best-unobstructed views of the property

The first impression always matters. Home buyers love to see photos and videos of the homes to help in deciding whether to schedule viewing. Make sure the pictures displayed on the property portals by your real estate agent are bright enough. Feel free to have them take other photos if the ones used in advertising do not look appealing. Do not use pictures captured on a cloudy winter day but wait for a spring day or sunny summer to show off the beautiful yard, the landscape and neighborhood. Ensure the uploaded photos are presented in the best sequence. The cloakroom photos should not be first photos a web visitor sees.

Get constant feedback from your property agent

Regular communication is vital as this keeps you in the know of the scheduled viewings and client response. Request for feedback to understand what home buyers are looking for in a property and what actions you should take to make the property saleable. Find out from your real estate agent how many people viewed your property online on the portals as well as the real estate agent’s website. If the numbers are high but the viewings low, then consider reviewing the presentation of your property. If the numbers of web visitors are low then definitely your marketing prices need to be readjusted downwards. Get to know if any responses were given to internet leads and after how long the prospective buyers did receive calls backs or email responses to their inquiries. A significant portion of the property buying process is the need to validate the buyer’s choice that they made a right decision that will lead them to the closing table.

Home buyers are looking for the best deals in the property market, and one way to ensure this is achieved is by finding a good real estate agent. Have the best photos displayed and a detailed description of the property on sale that will give buyers a feel of the property. Present as much information as possible such as the neighborhood information, the real estate agent contact details, virtual tours of the site, and interactive maps that the buyers can use to locate the property.  Ensure that the buyers feel satisfied. The end of a transaction is just the beginning of building a relationship with your clients while helping them adjust to the community. You can offer suggestions of fun things to do in the area.