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What makes up your credit score.
Discover how to improve your credit today !
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!
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.
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your company image isn’t compromised by an outdated website.
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.
information about Sharp Credit, please contact us at:
email@example.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
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Improved Credit Scores Could Save
Staff Reporter of THE WALL STREET JOURNAL
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
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.
Archived Important News
Experian settles free credit
report charges FTC accused credit bureau of mislead
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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