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The Fair Credit Report Act

The Fair Credit Reporting Act (FCRA)

Below is a summary of the FCRA. The full Act can be obtained directly from the Federal Trade Commission’s web site here.

Fair Credit Reporting Act (Summary)

Public Law 91-508

The Fair Credit Reporting Act (FCRA) allows a consumer to challenge the information on his credit report on the basis of “completeness and accuracy.” If, after a reinvestigation by the credit bureau, the disputed information “is found to be inaccurate or can no longer be verified, the [credit bureau] shall promptly delete such information.”

The credit bureaus are required to complete the investigation within a “reasonable period of time.” This period has been set at thirty days.

The credit bureaus can ignore the consumer dispute if they have reason to believe that the dispute is “frivolous or irrelevant.” The FTC commentary on the FCRA cites, as an example of a frivolous dispute, a dispute wherein the consumer challenges all negative items on his credit report without providing any allegations regarding specific items in the credit file. However, “A [credit bureau] must assume a consumer’s dispute is bona fide, unless there is clear and convincing evidence to the contrary.”

When a consumer challenges a negative credit listing on the basis of extenuating circumstances, such as health problems, divorce, job loss, etc., the credit bureaus are entitled to ignore that dispute.

When a consumer submits a dispute which is neither frivolous nor irrelevant by credit bureau standards, the credit bureau must “at a minimum… check with the original sources or other reliable sources of the disputed information and inform them of the nature of the consumer’s dispute.” In some cases of consumer dispute, “Reinvestigation and verification may require more than asking the original source of the disputed information the same question and receiving the same answer.”

In other words, when a consumer files or re-files a valid dispute, the credit bureaus must contact the source of the credit information (the creditor) and confirm that the information is accurate, verifiable, and not obsolete. In some circumstances, the credit bureau is required to go beyond a simple verification of the creditor’s own computer record. If, within 30 days, the credit bureau has not received verification from the creditor, then the credit bureau must promptly delete the credit listing.

In theory and law, the process is deceptively simple, thus leading many people to think that they can easily handle this themselves “for the price of a few postage stamps.” Most quickly discover that the credit bureaus have made it much more difficult than one would imagine. For help in this, we recommend using Lexington Law a professional credit report repair company.

Making Money Online

Many people today are looking for different ways to supplement their income to help them earn a living, and one of those ways is through making money online. If this has been something that is drawing you to take a closer look at, then the following article is just for you! Keep reading for solid tips on how you can go about making money online.

Take paid surveys online if you want to make some extra cash on the side. Market research companies will want to get as much consumer feedback as possible, and these surveys are a great way to do this. Surveys may range anywhere from five cents to 20 dollars depending on the type you do.

Sign up for a site that will pay you to read emails during the course of the day. You will simply get links to scan over different websites and read through miscellaneous text. This will not take you a lot of time and can pay great benefits in the long run.

Take online surveys for money. There are a plethora of surveys to pick from on the Internet. Surveys can be a great way to earn money online. Sometimes, their pay isn’t that great. However, you can easily do these things when you have some down time, and you can make quite a bit of money when things add up.

If you love to draw, you can sell some of the photography that you create on the web. Initially, you may want to post your goods on Craigslist or a smaller site to get the word out and see if people will bite. If there is a high following, you can move to a more prominent site.

Try freelance writing as a form of online income. There are many websites out there that open up the doors to freelance writing, like oDesk and eLance. With both, you can apply for and bid on online jobs of all types. Many of them are writing focused. If you’re a fast writer that composes quality pieces, you can do very well!

Enter contests and sweepstakes. By just entering one contest, your odds aren’t great. Your odds are substantially better, however, when you enter multiple contests regularly. Taking a little time to enter a few free contests daily could really pay off in the future. Make a new e-mail account just for this purpose. You don’t want your inbox overflowing with spam.

There are legit ways to make money, but there are also scams online. That is why it is important to check the reputation of a company before you use them. Make sure that the company you choose is legitimate.

As you can see from the above article, anyone can make money in the online world when they have a good idea and solid tips to follow. If you have been reluctant in the past to use the internet as a way to make money, you shouldn’t have to worry any longer now that you read this article. Keep studying this topic, and soon you will see how it is possible to make money online.

Advertising in Yellow Pages

Some people believe that yellow pages do not receive a response like other advertising methods do and this is true to some extent but not in totality. When talking about traditional yellow pages, there sure is a decline in the number of people opting for advertising in it. According to a recent report, even the most attractive advertisement in a particular section is not getting the response from callers like they used to get before. On the contrary, the prices of placing ads in directories are on a rise, which speaks a different, story altogether. – Share Your News with Journa

In reality, different categories are witnessing different rates of decline. Like the Lawyers category is seeing the maximum decline, whereas emergency service providers section has the same call rate. And sections like mobile phones, real estate, and furniture are seeing an increase due to the increasing customer demand. Altering the size of the advertisement or changing the look cannot do wonders anymore.

Experts suggest that relying on yellow pages to get customers isn’t enough. Other options should be considered as well along with it. With the Internet reaching every home, nearly half of the Internet users use the net every day. They prefer to buy stuff online, from the comfort of their homes. Research should be done on the Internet to get reviews about the product. People, who don’t usually shop online, also are also opting to shop online as information is provided at the click of a mouse. It is easier for people to trust as customers who used the product give their feedback about the product after using it.

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A relatively newer concept is the yellow pages going online. The good thing about them is that they are updated frequently unlike the printed directories and can be viewed from any part of the world. According to researches conducted, the response increased by twenty-five percent every year. So those who are interested to invest in yellow pages advertising can think of going online. Directories are submitted to search engines, which on typing a keyword or phrase bring the results. Small and local businesses, too, can land on the pages brought by the result. The cost of creating a website can be saved if all the relevant information about the company is included in the online yellow pages. Look out for the date to renew the directory listing, and if there is a need to change the advertisement, it is not a big problem on online yellow pages. Some starter websites offer to place advertisements in their yellow pages for free. Search out for such websites on the Internet.

Larger businesses can start their own websites and place links in the online yellow pages. Articles can be framed about the business and can be submitted to Ezines and websites related to the area of business. Some websites also allow posting articles for free. The purpose of the yellow pages is basically to get potential customers but that doesn’t mean that existing customers should be neglected. Steps should be taken to strengthen the relationship with them and to retain their trust by maintaining the standard of the products supplied to them. Once they are completely satisfied, the price-rise won’t bother them and they will talk about the company to people they know, which will fetch new customers.

The objective is to work smartly and select the right method of advertising. If a business isn’t using any other method of advertising apart from using yellow pages, it can cause problems and the products may not sell. Analyze how much money is spent on placing ads in directories and estimate whether the amount of customers the business gets is desirable. Whenever a call is received from a potential customer, ask them how they got to know about the enterprise. This will help to analyze which advertising method is ideal for the business. It is never late to correct the mistake and go for the right method.

Discover Free Pay Per Click Money is Available

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It may not seem easy to find free pay per click money out there or free pay per click campaigns for that matter. Let’s face it the truth is, it is very hard to find anything for free these days. Aside from that, free pay per click is obviously an oxymoron, because how do you get something you pay for, for free,

However, there are a number of pay per click search engines out there that are offering free pay per click campaigns, or free money incentives for anyone who is willing to try out their programs. “Why,” You ask! Because these pay per click search engines are trying to grow to the size of the larger networks like Google’s AdWords. There is no financial obligation required, so it is worthwhile to check out these unique means of marketing your websites. offers $1.00 worth of PPC advertising. offers $10.00 worth of PPC advertising. offers $25.00 worth of PPC advertising. offers $25.00 worth of PPC advertising. offers $10.00 worth of PPC advertising. offers $5.00 worth of PPC advertising. offers $10.00 worth of PPC advertising. offers $10.00 worth of PPC advertising. offers $100.00 worth of PPC advertising. offers $10.00 worth of PPC advertising. offers $10.00 worth of PPC advertising. offers $10.00 worth of PPC advertising. offers $5.00 worth of PPC advertising. offers $5.00 worth of PPC advertising. offers $25.00 worth of PPC advertising. offers $25.00 worth of PPC advertising. offers $10.00 worth of PPC advertising. offers $10.00 worth of PPC advertising. offers $25.00 worth of PPC advertising. offers $2.00 worth of PPC advertising. offers $200.00 worth of PPC advertising. offers $50.00 worth of PPC advertising. offers $10.00 worth of PPC advertising. offers $10.00 worth of PPC advertising. offers $5.00 worth of PPC advertising. offers $50.00 worth of PPC advertising. offers $5.00 worth of PPC advertising. offers $5.00 worth of PPC advertising. offers $25.00 worth of PPC advertising. offers $50.00 worth of PPC advertising. offers $10.00 worth of PPC advertising. offers $10.00 worth of PPC advertising. offers $25.00 worth of PPC advertising. offers $10.00 worth of PPC advertising. offers $10.00 worth of PPC advertising. offers $1.00 worth of PPC advertising. offers $10.00 worth of PPC advertising. offers $5.00 worth of PPC advertising. offers $20.00 worth of PPC advertising. offers $25.00 worth of PPC advertising. offers $25.00 worth of PPC advertising. offers $50.00 worth of PPC advertising. offers $25.00 worth of PPC advertising. offers $5.00 worth of PPC advertising. offers $20.00 worth of PPC advertising. offers $5.00 worth of PPC advertising. offers $10.00 worth of PPC advertising. offers $10.00 worth of PPC advertising. offers $50.00 worth of PPC advertising. offers $25.00 worth of PPC advertising. offers $25.00 worth of PPC advertising. offers $10.00 worth of PPC advertising. offers $10.00 worth of PPC advertising. offers $10.00 worth of PPC advertising. offers $10.00 worth of PPC advertising. offers $10.00 worth of PPC advertising. offers $10.00 worth of PPC advertising. offers $50.00 worth of PPC advertising. offers $10.00 worth of PPC advertising.

This list is by no means comprehensive, but these free pay per click search engine campaigns listed amount totaled to around $1000 in free pay per click advertising that you can take advantage of. Even if you only get a few clicks per day from each, imagine how much these free pay per clicks can add up.

However, a word of caution needs to be put forth at this time. It is always important for you to check the terms of service for signing up with these search engines. The “free pay per click” may not be so free. Furthermore it should be noted that some or all of these offers have been changed or withdrawn.

American Politics And Insurance

Many Americans have many more complaints with the American government and politics, and how ill-prepared the government was for helping American citizens before, during, and after Hurricane Katrina struck is only one example. However, it is readily apparent that the American government and the politics that surround it are not just sitting around waiting for the next disaster to strike they have been making preparations, and not just for natural disasters such as hurricanes.

Natural disasters are not the only emergencies in which organizations have been founded to help citizens when insurance policies are nonexistent or not enough; organizations such as the Federal Emergency Management Agency, better known as FEMA, have stepped in and helped during troubled times. However, past terrorist attacks and present risks of terrorist attacks have prompted the federal government to get involved and pass the Terrorism Risk Insurance Act, also known as TRIA.

TRIA may not be an organization like FEMA, but the act is designed to arrange a provisional program that makes sure both citizens and insurance companies are as prepared as prepared can be in the event of a terrorist attack. TRIA does this by guaranteeing that the federal government will share the costs of losses due to terrorist attacks with the insurance companies. This helps ensure that insurance companies will not, for lack of better terms, run out of money. It also helps ensure that American citizens provided with the help they need, as well as be compensated for their losses.

Insurance companies were not adequately prepared for the financial losses that resulted from the September 11, 2001, terrorist attacks, and had to rely heavily on reinsurers, companies that make available insurance to insurance companies, to help pay the cost of damages. Now that TRIA is in effect, insurance companies are at less risk of being inadequately funded. Plus, the time it takes to underwrite an insurance policy is reduced since the losses have been reduced.

How YouTube Affiliate Videos Became a Marketing Weapon

Affiliate marketing has exploded across the web lately. More and more people are switching on to a revolutionary way of making money that can turn into a passive income each month. Article directories exist by the hundreds, and people are blogging like mad, and bookmarking their sites on places like digg and delicious to promote and promote again. Those whom are grasping the power of the internet to market products are also including viral videos in their marketing arsenal.

YouTube has become a forum for the new YouTube affiliate marketers launching a product or service. This is working very well for many companies ? for some extremely well. Across YouTube can be seen videos attracting thousands of views. It’s a no-brainer to know what this can do for the launch of a new product like a book, or a computer game for example.

It’s not just the small to medium business sector that are taking hold of this medium. Large corporations like those in the music industry are capitalizing from video marketing. YouTube has recently launched a ‘click-to-buy’ link attached to music videos linking to Amazon. This has boosted sales considerably with an easy point n’click to the Amazon site.

For the average sole marketer realizing the power of affiliate marketing with video, there is plenty of screen capture software like Camtasia that can help a marketer launch tutorials, product demonstrations, etc. This gives YouTube affiliate marketers great power as they can redirect potential customers from their YouTube pages to a web site that converts the visit to a sale. This is huge with YouTube affiliate links occurring by the thousands helping people make lots of money.

When a customer sees a video of a product that interests them, their sheer enthusiasm becomes ignited as they view the product in action. This kind of exposure is allowing a huge growth in internet sales just linking to YouTube. Video captures moments in a way that words can struggle against due to the varied skill level of the writer. Using video to sell allows people to feel more of an urge as they get to actually see what they are seeking.

Examples are a new web site where the viewer gets to see the reasons why it is useful. Another example is a software application where video can show the product in action, and if it’s a simple piece of software to use, that can be demonstrated.

Yet, web marketing is actually in its humble beginnings; merchants are being born who thought they had no sales skills and could never launch a marketing campaign. The internet and the advent of online video has changed that and allowed YouTube to grow into the viral empire we view today. For the YouTube affiliate marketer, this is a gold mine.

Offer something of value, know your buyers, and they will buy from you using YouTube affiliate links. Yes, it is ? with some work ? that simple.

How to Use YouTube to Boost your Affiliate Sales

The growing online popularity of videos has opened up big doors to those who are a YouTube

affiliate. Just the fact that Google bought YouTube for $1.65 billion dollars gives you an idea how

big this online video platform has become. Many have already taken advantage of this lucrative

opportunity. You can see your commissions go through the roof as well if you become a YouTube


To be a YouTube Affiliate, the first thing that you are going to need to do is to get some good

screencasting software. This is done to capture the image of your computer and turns it into a video.

It is also called a video screen capture. Usually this will involve a narration so work on getting your

best professional sounding voice. There are a few good screencasting software programs out.

Camtasia is very good and comes highly recommended. It isn’t cheap but it is well worth the price.

Imovie is also very good and comes bundled with Mac computers much of the time. If you are

limited in your funds then you will find The Jing Project useful because it is free. Once you find the

screencasting software that best suits you then you can begin gathering the content for your video.

Your content should be simple and easy to understand. It should also give people a reason to believe

that not only do you know what you are talking about but you should also give them a reason to

visit your affiliate link. If you want to make money online as a YouTube affiliate, you have to know

to properly bait your potential customer with just enough information to get them hungry but don’t

give them the whole package. Get them wanting more and then make it so they want to follow your

link to see what you have to offer. Your affiliate network should have plenty of opportunities for

you and your affiliate programs will have all the information that you need.

Because YouTube is free, anyone can make an account and doing so is easy. Just follow the

instructions. Once you have done that you will be able to publish your video on YouTube. Doing

that isn’t complicated either. If you need some help they have a video tutorial that you will find very

helpful. Once it is uploaded to YouTube it will be seen among the 100,000’s of videos uploaded

daily. The only difference as a YouTube affiliate is that your videos will be making you money.

Affiliates using YouTube can really boost sales and help generate a higher click through rate. Done

correctly it will also help convert that CTR into sales. Make it a part of your marketing mix. Use it

in conjunction with your article marketing efforts. There are many ways that Youtube can boost

your affiliate marketing ventures. The only limit is your imagination.


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