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  Market to Your Customers For Less Than
the Cost of a Stamp!

Studies have shown that the value of retaining customers is much more profitable than the cost of new customer acquisition. Yet we all know that much of the focus and effort of sales is placed on new customers. Do you put the same effort into keeping your customers as you do to land them? Sure you may cater to your large customers, but how much time do you spend staying in front of your smaller customers and letting them know you appreciate their business? You never know when today’s small fish will grow to be the target of your top competitors. The more you have contact with your customers, the better chance you have of retaining them. Now for less than the cost of a postage stamp, you can ensure that your customers are receiving regular, consistent messaging that keeps your company top of mind!

Sharp Messaging from Sharp Credit
Sharp Credit is a company that is dedicated to assisting the nation’s credit reporting agencies with marketing programs and information to help them run more effectively. Our experience in the mortgage credit industry coupled with our marketing and technology expertise, make us well qualified to deliver valuable programs to your organization. The message you send to the market is important. Let us help you with your marketing needs.

Point of Touch
The Point of Touch program allows you to communicate regularly with your customer base through monthly email newsletters that are customized with your company name and logo. Each newsletter will contain relevant content such as credit scoring explanations, useful tips, and regulatory information that affects the mortgage industry. Point of Touch lets you show your customers added value and attention while validating your authority in the industry. Sharp Credit will manage your newsletters and handle distribution. Through this customized communication, your customers will be able to respond directly to you with questions or comments.

Website Design
Sharp Credit can assist you with a variety of web related projects, from developing content and pages that link from the Point of Touch newsletters, to complete web redesign, to implementing forums and online help ticket systems. Make sure that your company image isn’t compromised by an outdated website.

Additional Services
Sharp Credit is also available for consulting and campaign development. Let us assist you with developing your marketing programs so that your time and resources can be put to better use.
- Market segmentation and analysis – We will evaluate your customer base and provide information on the general market characteristics, historical market-share analysis and projected growth areas.
- Marketing collateral development – logo design, brochures, company overviews, value proposition, layout and graphic design services available.
- Advertising and media planning – Do you want to advertise? Not sure where to start? Give us a call for an initial consultation.

For more information about Sharp Credit, please contact us at: jdean@sharpcredit.com or call Jeff @ 949-689-0449

FICO Scores are calculated from a lot of different credit data in your credit report. This data can be grouped into five categories as outlined below. The percentages in the chart reflect how important each of the categories is in determining your score.
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Improved Credit Scores Could Save Billions


By taking small steps to improve their credit scores, consumers as a group could save billions of dollars each year, according to a new study that sheds light on the widespread confusion over credit scoring.

The study, released yesterday by San Francisco-based card issuer Providian Financial Corp., analyzed industry data on 352 million credit-card accounts to determine the average daily balance, interest rate and credit limit for a broad range of consumers across the credit-score spectrum. Based on this information, the study found that consumers could save an average of $76 annually on credit-card finance charges -- or $16.4 billion in total -- by making a 30-point improvement in their credit score.

The three-digit credit score, which typically ranges from 300 to 850, is the most widely used measure of a person's credit risk. It has little to do with income and everything to do with credit history. Consumers with higher scores -- the current U.S. average is roughly 723 -- have an easier time securing low-interest loans and other favorable terms on credit.

The best way to raise a credit score is to pay bills regularly and on time, but there are other important considerations. Some of the most common missteps that lower scores include maxing out credit cards or home-equity lines, making only minimum monthly payments and shuffling debt between different accounts.

Another important factor is the "balance-to-limit ratio," which measures what percentage of available credit is being used. Lenders like to see a credit utilization of under 60%, and consumer groups recommend keeping it below 50% of available credit. If a consumer has four credit cards with a $1,000 credit line each, for example, carrying a total balance of less than $500 per card will likely keep a credit score from declining.

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Archived Important News
Experian settles free credit report charges FTC accused credit bureau of misleadCredit
By Bob Sullivan Technology correspondent MSNBC Updated: 5:43 p.m. ET Aug. 16, 2005

Credit bureau Experian has settled charges that it misled consumers with the lure of a free credit report and instead enrolled them in costly credit monitoring services, the Federal Trade Commission said Tuesday.

Under the terms of the settlement, Experian admitted no wrongdoing but agreed to give refunds to some consumers and surrender $950,000 in what the FTC called “ill-gotten gains.” In addition, Experian, one of the nation's three major credit bureaus, has changed the way it advertises credit monitoring services at ConsumerInfo.com and FreeCreditReport.com. 

...click to read more

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