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Home » Business And Finance Articles » Its Your Credit What Are You Going To Do To Protect It

It's Your Credit. What Are You Going To Do To Protect It?

For anyone who has, has had and wants to avoid being had, this series of articles reflects years of continuing research. I'll discuss the worse that can ever happen to people thrown into credit situations - whether through their own doing or as victims and how they were able to come of them in one piece. These article are based on facts as I read and understood them.

A credit report is a history of your bill payments record. These can be bills such as home loans and mortgages, revolving credit and even cell phones. There are three credit-reporting agencies that are commonly referred to as credit repositories. Each uses a different type of symbol. When looking at your credit report, be aware of the very first page. This will most often contain the explanation of the symbols that are used by that company. There are various symbols that are utilized to identify payment histoy, types of accounts and whether or not the account is individual, joint or involves a cosigner.

Credit reporting agencies are NOT part of the U.S. Government. They are privately owned companies that get paid to sell information about you to your creditors. They get paid for good and bad information. You are NOT their customer. You do not purchase any goods or services from the Credit Reporting Agencies.

They do not care whether your credit is perfect or poor. They receive their money from the creditors in the form of charges and memberships. Why should a credit reporting agency care about you? You are only a consumer of goods or services.

In fact, Experian, which is one of the three large Credit Reporting Agencies is owned by a British conglomerate. Think about that. Why would a foreign company own a credit reporting agency in the United States? The answer is simply for the profit. Those are the facts.

Remember, most credit reports identify the consumer (you) by your name and your credit entries by the name, account number and the date that the account was opened. Being able to identify information that is not accurate can help you to raise your credit scores. One of the single most important parts of the following articles is your ability to identify on your credit report your legal right to know WHEN an account is first delinquent.

In a future article I'll devote an entire paragraph that further explains this portion of the law.

And here is another random article you might be interested in...

Ten Ways To Improve Your Customer Service

1. Stay in contact with customers on a regular basis. Offer them a free e-zine subscription. Ask customers if they want to be updated by e-mail when you make changes to your Web site. After every sale, follow-up with the customer to see if they are satisfied with their purchase.

2. Create a customer focus group. Invite ten to twenty of your most loyal customers to meet regularly. They will give you ideas and input on how to improve your customer service. You could pay them, take them out to dinner or give them free products.

3. Make it easy for your customers to navigate on your web site. Have a "FAQ" page on your Web site to explain anything that might confuse your customers. Ask them to fill out an electronic survey to find out how make your web site more customer friendly.

4. Resolve your customers complaints quickly and successfully. Answer all e-mail and phone calls within an hour. If possible, you the owner of the business, personally take care of the problem. This will show your customers you really care about them.

5. Make it easy for your customers to contact you. Offer as many contact methods as possible. Allow customers to contact you by e-mail. Hyperlink your e-mail address so customers won't have to type it. Offer toll free numbers for phone and fax contacts.

6. Make sure employees know and use your customer service policy. Give your employees bonuses or incentives to practice excellent customer service. Tell employees to be flexible with each individual customer, each one has different concerns, needs and wants.

7. Give your customers more than they expect. Send thank you gifts to lifetime customers. E-mail them online greeting cards on holidays or birthdays. Award bonuses to your customers who make a big purchase.

8. Always be polite to your customers. Use the words your welcome, please, and thank you. Be polite to your customers even if they are being irate with you. Always apologize to your customers should you make a mistake. Admit your mistakes quickly and make it up to them in a big way.

9. Reward customers a point for every one dollar they spend. Let's say customers can get a free computer for 300 points. That means customers will spend $300 dollars on your products and services to get enough points to get the free computer.

10. Build strong relationships with your customers. Invite them to company meetings, luncheons, workshops or seminars. Create special events for your customers like parties, barbecue's, dances etc. This will make them feel important when you include them in regular business operations and special events.