If you have bad credit, then you know how tough it can be. Bad credit makes many things difficult, impossible, or more expensive. We all know that banks check credit scores before they give you a credit card or a loan. That means the process of buying a house or car is more difficult when you have bad credit. Even renting an apartment is tough without a good credit score. Insurance companies often charge a higher rate for drivers that have bad credit scores. Utility service providers check your credit to decide whether you should pay a security deposit. As years go by, the list of companies who check your credit will probably grow instead of shrink.
When a creditor reviews your application for a loan or credit card, they’ll check both your credit report and credit score to determine your creditworthiness. Based on that and other financial information, they’ll decide if you qualify for a loan or card. If you do, you’ll receive a higher interest rate if you have poor credit because they think you pose more of a risk of defaulting on your payments if you have a rocky financial past.
New credit tips: Note that it’s OK to request and check your own credit report: this won’t affect a score, as long as you order your credit report directly from the credit reporting agency or through an organization authorized to provide credit reports to consumers.
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Even if you eventually catch up on what you owe, any payment that is more than 30 days late can appear on your credit report. However, some creditors don’t report the past due payment until a second payment is owed because they don’t want to upset good customers who simply forgot to the deadline and made it up the following month. Credit reporting rules do require that after a second payment is missed, all past due payments must be reported. Late payments or delinquent accounts may be reported for up to seven years after the date of the last scheduled payment.
Quick Loan Shopping – If you have bad credit and can’t find any other way to improve your score, you could consider taking a “quick loan.” These are typically loans for small amounts — $250 to $1,000 — that get repayment history reported to credit agencies, and can become a positive on your credit report. This is a last resort. See If You Qualify for a 0% Interest Card – Several companies offer cards with 0% interest on balances, but there are caveats to this. There can be a fee for transferring the balance and the zero-percent offer is only good for an introductory period, typically 12-18 months. It usually takes a very good credit score to qualify for one of these.
Travel industry news : newsletters with AMP for E-mail. What is AMP for Email ? AMP for Email will make it possible to take simple actions (like booking a calendar appointment or RSVP-ing an event) directly within the layout of the email – users can interact with content without leaving the Gmail client and without visit a website.
Like Doodle, Booking.com takes advantage of AMP’s dynamic content to deliver users a better experience in email. In this case, it relates to their search for lodging. As you see in this first email, Booking.com offers its users a room recommendation with an image. But, one thumbnail? That’s hardly all you need to see to decide on a room, but unlike static email, which would force you to click through to the listing page to see the photos of this apartment, AMP for email allows the user to click the arrow on the edge of the image to slide to the next photo, seen below, The user gets a more informed view of the listing without ever having to leave the email. While an email slider like this can be created with CSS, it’s been called a far smoother experience with AMP for email.
AMP for Email is currently exclusively available for Gmail users. While Gmail is one of the most popular email clients with 26% of all emails opened in a Gmail inbox, on average, the audience for consumers that could see AMP-powered emails is limited. And it could be lower depending on your own audience. Tracking may be limited: Tracking is crucial to optimization. Currently, marketers can track opens, clicks, etc. to improve campaigns. When you add to the list of actions users can take, you also add to what marketers must to track. Will there be ways to track them?
What are the benefits in Email Marketing for the Travel Industry? Offering hotels, flights and holiday packages through an email newsletter channel has been a challenge in the travel business as customer satisfaction can be very cumbersome. By the time a newsletter subscriber opens the email, it is likely that hotel prices have changed or flights are already sold out. The travel seeker has to leave the email realm and is forced to visit the travel agencies’ website to check prices and availability again. In such cases, the traveler is also tempted to involve another travel provider in the search. With the launch of Google AMP for Email, however, that information and usability gap can now be closed, eventually leading to a higher ROI for the whole travel industry in email marketing. Save website bandwith: Especially during seasonal peaks (i.e. winter holidays) booking websites tend to reach their request limits rather quickly. AMP-based emails will help to keep your customer busy and up-to-speed even if the website is down or slow. Read extra info at Travel industry developments : newsletters with AMP for E-mail.
Clearly, marketers are excited about the prospect of leveraging AMP to easily create interactive experiences for their audiences. For a long time, interactive email has been seen as a technique that only large brands with extensive development and design resources can execute on. AMP for Email could make creating interactive email more accessible for all marketers, especially those with lots of Gmail users among their subscribers.
Email developers have long craved the kind of coding standardization that the web has had for years. Despite efforts from the email community, that standardization still hasn’t happened. AMP-powered emails rely on client-specific coding—again, it’s only supported by Gmail. That is another step away from email coding standardization, and will require email developers to learn another specific skill set in order to simply build an email.
Email is about to become more useful and interactive – or even more annoying and distracting, depending on how you look at it – thanks to Google’s new AMP for Email project. Essentially, the search giant is seeking to save people who get lost in the rabbit hole that is their smartphone. You know when you’re reading something on your phone and after clicking around for a few minutes you think to yourself, “what app am I in again?” And then it turns out you’re not actually reading that article in Safari – you’re in Facebook.