Archive for May 12th, 2008

Free Credit Report and Score - Quick Tips You Can Use Now For Credit Report - FICO-Credit Repair

Monday, May 12th, 2008

These are just a few of the best credit tips and facts to help you improve your credit report and score and give you some ideas for fixing or repairing your credit. When buying a car get pre-approved first at your bank or credit union for example, because car dealers will contact several companies in an effort to get you the cheapest rate and this will affect your FICO score because you’ll have several hits at one time on your credit report.

It’s often recommended to drastically reduce your credit card use leave your credit card at home. However many people find it hard to do this if they need to carry it in case they need to call for a tow truck or other emergency. Weigh the risks.

If you can’t make your payments on time, contact your creditors immediately. Always be proactive when it comes to any debt you have. Develop a simple plan to repay your debt, and do your best to follow that plan even if it’s only to pay a small amount each month. If you contact your creditors write down the specific names and phone numbers of your contacts at the companies. Follow up any phone conversations with creditors with letters confirming any agreements you’ve made.

Keep in constant contact with your creditors until you resolve your credit problems. Bankruptcy should not be the first solution to your financial problems. It doesn’t wipe your credit slate clean or give you a fresh start because it stays on your credit report for up to ten years. The ability to buy a car, and/or get a home loan absolutely depends on your credit history and score. Some employers will use your credit score in their evaluation of you as a future employee.

What is FICO? FICO is a three-digit number that determines the interest rate you’ll pay on your credit cards, car loans and home mortgages and determine whether you’ll be able to get a cell phone or have your rental application for a house or apartment accepted or declined.

What does FICO stand for? It’s an acronym for Fair Isaac Corporation. Your FICO score is the biggest factor in determining your credit rating with lenders.

The average amount of time it takes to “clean up” any serious negative credit history is seven years. A higher FICO score puts you right in line for a lower interest rate on a loan or credit card. Any time you apply for a loan of any kind your FICO score will take a hit. High school students are thought to be one of the easiest targets by credit card companies because it’s known they’re uninformed and eager to spend.

Simple but true: the only way to avoid credit card debt is to never use your credit card. A good guideline - always use your cash, not your credit cards for food, movie tickets and anything less than $10.00.

A good plan to follow when paying on any debt is to pay a little bit before the due date and pay at least a few dollars more than your scheduled payment. Pay your credit card debt online to avoid finding out that your mailed checks haven’t arrived on time and pay these three to four days ahead of time at least.

When paying credit card bills online, be aware that sometimes the site can be down for emergencies or maintenance or you may have a problem with your ISP. Pay a few days early if possible.

You’re entitled to an annual free credit report online from each of the three major credit report bureaus. Make sure to check for errors. You may find someone else’s name and debt on your report, an incorrect birth year, etc.

These are just a few of the best credit tips to help you with your credit report and score and repair. The more you can learn the more you’ll be able to raise your FICO score and help your credit history.

Quickly find out how to get a free credit report online instantly, fix your own credit and get help with credit disputes. Lots of tips, advice and help from a caring credit expert. Get free credit repair info - go to http://www.FreeCreditReportInstantOnline.com

Are You Getting Better With Women Despite Yourself?

Monday, May 12th, 2008

In the wildly popular book Freakonomics, authors Steven Levitt and Stephen Dubner make the case that there are often hidden reasons for various phenomena in life, often going way beyond “conventional wisdom”, defined as the most convenient logical assumption.

That is to say, cause and effect aren’t always as obvious as they appear.

Having given this premise some thought, I believe that as guys it’s not only theoretically possible-but altogether probable-that when we begin to improve our success with women we could completely miss exactly what the root cause of that newfound success really was.

Let’s face it. What red-blooded guy among us doesn’t have the inherent need to pull the machine apart and figure out what makes it work?

The primary problem with defining what it is that is helping us get better with MOTOS is that very few if any of us make changes one at a time. Typically, we’ll make the decision to do something about a history of mediocrity with women and start “field testing” all sorts of stuff rapid-fire. As a result, we are left with lots of variables.

It’s kind of like this.

One of the necessary tasks when you are a guy like me who is passionate about increasing dating success for people everywhere on a global scale is having a Web site that delivers the message you want as effectively as possible.

Most of you who know me by now can easily figure out that I am a dating coach first rather than an Internet marketing guy. That’s probably a good thing, except that I’m still left with the task at hand, huh?

So I’ve studied up and gotten some input from very key “Web marketing” types.

In the process, and much to my chagrin, I’ve learned that certain things like giant headlines in red, “Tahoma” font cause people to keep reading.

Further, things like annoying, unblockable popups cause people to find free bonus episodes of “X & Y On The Fly” on one’s websites tons better than even a screaming yellow banner at the top of the page. Crazy.

But also, there are certain aspects of what “works” on web pages that confound even the seasoned pros. The answer? Test, test and test again.

There’s one caveat: Test only ONE THING AT A TIME, or else you’ll simply never be able to figure out what exactly worked.

Indeed, like the principles of Freakonomics, the pitfalls of testing more than one change at a time are even more complicated than they seem at first glance.

Quite possibly, if you test several things at once and see good results, you may in fact be seeing super-sized results from one change you made-while the others may have in fact had a detrimental effect.

But seeing a net positive result overall, you assume all the changes were the right ones.

Holy fright, dude… What if applying what we learn about getting better with women is like that?

One of my guilty pleasures is getting Emily to listen to various interviews, podcasts, etc. with guys on how to get better with women-just to get her unsolicited response. I typically play one or two for her on road trips or hand her my iPod on flights just to see what happens.

Recently, I played an audio from a guy who talked of having a life of pure frustration with women…until the day he was finally fed up enough and decided to make wholesale changes. He had been utterly terrified of women for years, and automatically assumed none would ever like him as a defense mechanism from having to approach any of them.

After years of self-rejection (which we’ve talked about around here as perhaps the most painful form), he pledged to put aside all trepidation and start talking to women and asking for phone numbers REGARDLESS of the outcome.

In his mind, nothing could be worse than status quo. And to get himself ready for this new direction, he proceeded to change his style accordingly. He bought t-shirts with decidedly sexual sayings on them. He got himself a rhinestone-encrusted belt buckle with a scrolling LED message on it.

On top of all else, he enacted a policy of talking about sex with women as soon and as often as possible…every time. All of these sweeping changes were made immediately…and therefore simultaneously.

And guess what? He started meeting women. And having sex. A lot.

In describing his success and making recommendations to Average Frustrated Chumps everywhere, he wholeheartedly recommended that guys do what he did. He told the listening audience that women “rolled their eyes” at some of his actions and attire, but it was all a front…they obviously really loved it all.

Out of nowhere, as the whole audio program was truly warming up to a crescendo, Emily blurted out, “Wait! Pause it for a second.”

In the suddenly resulting quiet, she looked at me incredulously and finally gathered the words, “This could have been a thirty second program.”

After another pause, she elaborated.

“It was the confidence. Purely. The ‘peacocking’, the blatant propositions…that’s NOT why he’s succeeding. Women are just putting up with that because his confidence is irresistible. I mean, he said himself that women ‘roll their eyes’ at him. People just don’t ‘roll their eyes’ when they are attracted to someone.”

Then the clincher. “I wonder what kind of women he’s getting this way. Are they actually the women he wants?”

With that I resumed the audio. The very next portion of it flat-out creeped me out. The guy had been hanging out mostly with strippers and other “professionals”. Yet, he claimed he was pretty sure he could get any other kind of woman he wanted-he just hadn’t gotten around to that yet.

Let me tell you, that was all collectively a real eye opener.

And then it hit me.

Can we actually begin to succeed with women DESPITE OURSELVES?

The guy in the audio program was definitely pleased with how he was doing these days with women compared to how things had gone in years past. I wondered how much greater success was out there for him were he able to get a handle on how the various components of his makeover had actually worked in his favor…or not.

But the problem is that unlike with something concrete like a web page, it’s all but impossible to apply what we learn “one step at a time” when we’re talking about something as entirely subjective as “getting better with women”.

So how do we get a handle on whether the various things we do are helping…or the opposite? Fortunately, I don’t think it’s impossible to sort out. Accordingly, here are some concrete ways to assess your overall scenario in this regard:

1) What is the REACTION of women to what you are doing? As much as you’ve heard about how women test us and hold their cards close, don’t fool yourself into believing that consistent negative reactions are somehow “code” for positive results.

2) Is what you are doing designed to attract the women you actually WANT? Are you using pickup strategies designed for bars and clubs to meet women at, say, church? Or vice-versa?

3) Are your strategies congruent with who you are as a man? Does what you do feel natural, if not yet comfortable? Do you feel you are sacrificing integrity or even IDENTITY in a quest to get better with women?

4) Are your results consistent and transferable, or are you only succeeding in certain circumstances and/or only with a certain type of woman that may not fit your ideal?

5) Similarly to #4 above, do you know the changes you’ve made to be generally applicable to attracting women or are they only useful for attracting a “niche” among women (e.g. Masculinity and confidence are pretty much universal. Getting a cool tattoo is attractive to some women, but not all.)

6) What is the input of people you trust? Look for patterns in what they are telling you. The best indicators you receive will be both subtle and unsolicited.

Improving one’s skills with women is important… arguably the most important undertaking of your life. After all, even your very spirituality can be strengthened or shaken based on the quality and compatibility of the women in your life.

So then, you’ve got to make the commitment to getting your skills with women handled so you can begin to enjoy what every deserving man should: the companionship and adoration of great women.

Scot McKay’s dating strategies for those who refuse to settle and choose to deserve what they want are found at: http://www.thechickwhisperer.com - Stop by right now and Scot will personally send you a FREE bonus podcast with Brent Smith and a FREE 8-part mini-course ($47 value) when you sign up for the X & Y Communications Newsletter, which is always packed with unique and practical dating tips.