Comparative Religion is taught in many colleges and universities, often looking at 3 major religions (Judaism, Christianity and Islam) in a supposed clinical, objective way. There is evidence that our multi-cultural philosophy has resulted in many thinking these beliefs are equal, peaceful and compatible. The popular thought even goes so far as to describe them as worshiping the same God. While these assumptions are mostly true of Judaism and Christianity, Islam is an opposing belief in every respect. The Catholic Pope has recently been criticized for regarding Islam as a religion of violence and, as recent behavior suggests, the Pope is right. With so many regarding the religion of Islam as above criticism, it's important to get some facts out so Christians won't be fooled. While, as Christians, we are to love the Muslim people, their religion is one of violence, with a goal to kill all Christians and Jews who don't deny their God and convert to Islam.
Religion Of Peace: After the Pope spoke, as if to prove him right, violence and death threats erupted all over the Islamic world. So far, 2 murders have been attributed to the Muslim furor over his speech. This violent behavior confirms the truth of the Pope's words and, more importantly, the bankruptcy of Islam as a faith of peace. Given how little objection "moderate" Muslims have made in the last 10 years to all the bombings, hijackings, kidnappings and missile attacks murdering tens of thousands of innocents, it seems rather silly that anyone would claim Islam to be a peaceful religion. Christianity, on the other hand, is unquestionably a faith of peace, from the teachings of Jesus to love our enemies to His example on the cross, praying for His own murderers. I suppose this is a good time to give you the obligatory, "I'm not attacking Islam," statement. But, I'm getting very tired of Muslims attacking us, with the conspicuous silence of "moderate" Islamic leaders. We pray that all Muslims find the Truth of God and the Way of peace.
Making Disciples: According to the Bible, Jesus taught us to make disciples by Christian love and good deeds and by proclaiming the good news that Jesus Christ, God With Us, will forgive our wrongs and give us life in paradise with Him, forever. We pray this forgiveness and eternal life be granted to every Muslim, everywhere...that we could become one loving family in Christ. What do you have to do to receive this eternal life? Believe in Jesus...that's it! What if you don't? We'll still love you and pray for you. It's between you and Him! How does the Koran tell Muslims to make Islamic disciples? According to the book "Islamic Invasion" by Robert Morey, the Koran says "Fight and slay the pagans (infidels) wherever ye find them, and seize them, beleaguer them, and lie in wait for them in every stratagem of war." Sura 9:5, and, "Their punishment is...execution, or crucifixion, or the cutting off of hands and feet from the opposite sides, or exile from the land." Sura 5:33. Just in case you missed it, "pagans" refers to anyone not following Islam...in other words...us. As you can tell from the headlines the last couple decades, these guys take their Koran literally. This is why many refer to Islam as a death cult, promoting violence and murder in the name of religion.
Dead Idol-vs-Living God: According to Mr. Morey, Allah is the personal name of the ancient Arabic moon-god, which is why the name needs no explanation in the Koran. This differs greatly from the false assumption of many Christians, myself included, that the name was taken from the Biblical name for God, "El." The crescent moon symbolizes the worship of the moon-god, Allah, and is the symbol for Islam. This understanding is further reinforced by the fact that all Muslims are required to pray toward the Kabah, in Mecca, the home of the moon-god idol. This isn't to minimize anyone's faith in Allah but to make it clear that the God of Christians and the one of Muslims are not the same. The claims that Jesus was a prophet of Allah are false. Jesus is God, the Son, who created us all, was born of a virgin, crucified and rose again to offer us His eternal forgiveness and love. God has chosen to express Himself as Father, Son and Holy Spirit. Anyone claiming the deity of someone or something other than this God is working against his own Creator and risking an eternity without God.
Whether or not you follow Jesus, we Christians and our God still love you. Even while the followers of Islam are murdering us all over the world, we're praying for them, for Jesus to forgive them and bring them into true faith in the one true God. The Muslims regard our Christian love and forgiveness as weakness but it is the sign of true strength from the one God. Love, more than anything else, highlights the vast difference between the obsession of Islam and the faith in Jesus Christ. How do you feel Christians should respond to Islamic violence?
About the Author
Glen Williams is Webmaster at http://www.web-church.com and CEO of E-Home Fellowship (EHF), Inc. He is an ordained minister who has been active in Christian ministry since 1989, counseling and helping people live in Christ.
Thursday, April 26, 2007
Keeping a Steady Flow of Massage Appointments
For more articles like this one visit Massage Therapy Articles on Specific Conditions One of the biggest problems a massage therapist faces is staying busy. You work hard to get through school and training then pass your license and certification exams. Then what do you do? Many new therapists think that they will simply find a place to start massaging and magically have all kinds of friends and family come for massages. I'm sorry but in most cases this never happens. The truth is that most people prefer to find someone they are not directly related to or deal with on a regular social basis to be their therapist. You will find that total strangers are your best source of new clients. Some friends and family can be helpful when recommending your services, but don't count on them being your main source of income. So how do you stay busy? There are many different ideas about how to market your services. I have tried many of them throughout the years and finally have found what works best for me. I don't spend hundreds or thousands on radio ads, television or billboards. I have found that those can quickly run you into bankruptcy when you are earning $40.00 an hour for massage and paying hundreds for one of those types of advertisements. With almost every type of advertisement you have to reach hundreds of people to get a single response. That is why I feel they just aren't economically sound ways to advertise for new clients. Stop and figure out how many hours of massage you would have to give in order to pay for any type of advertising before investing your hard earned money into it. Many of these advertisers stop in my clinic to make me an "on the spot offer" to make me rich with a way to get a ton of new clients. If you simply ask them for a few referrals that you can call and ask how well it worked for them, you will seldom get any or more often get the excuse that they don't give out that information. It is a great idea to check with other therapists about any type of advertising before making a large investment. What I have found that works for me to keep new clients coming in is to simply talk to people everywhere you go about massage, hand out business cards everywhere you go, Talk about Your training, a recent class you took, how you helped someone relieve a specific condition, offer seminars to speak to groups about massage, join a local networking group of businessmen that share referrals with each other. I don't have a huge advertising budget and even if I did I don't think it would make very much difference. The things that I have found work the best for me is to have a good sign in front of your business. If you don't have a huge sign try a more inexpensive sign and add some balloons around it or lights to help get it some attention. Add small signs out front of your business along the road, a banner or a sandwich type sign if possible. Sometimes building up many smaller sings over time with your budget can be more effective than one huge sign. I ask my clients for email addresses and physical addresses with permission to send them newsletters and special offers. Email is a very inexpensive way to keep in contact. I used to send out newsletters by regular mail to hundreds of clients all at once. This is expensive if you have very many clients and if you work alone. You may end up getting tons of calls for appointments all at once that you can't handle. This is good but you may lose people or anger them if you can't get them in right away. I now send out about 20-30 letters per week starting with all of the clients in my A and B files then the following week jump to my C and D files and send 20-30 of those and so on. This keeps those letters going to people that have seen me within the past year and I know they are going to people who are actually interested in what I have to offer. I can also handle the responses in a timely manner by having the time open to get them in for the appointment that I was trying to get in the first place. In your newsletters ask for referrals to friends and family of theirs. Be sure to thank your clients for the business they have given you in the past. These are your bread and butter so be sure to treat them well. A good decal on the back window of your vehicle is also a very good way to advertise inexpensively. Their are some really good ones available on ebay. npsigns is a nice ebay store to get them at. I recently read an article about newspaper advertising and found that you MUST have something creative and new to offer in your specials. Either a new or different service or a new or diffirent type of special offer. When I first started in waterloo I did some research on the internet and found that offering packages of 3 massages for a discounted price would help keep people coming for repeat visits. No one in my area was offering that at all. I advertised it in my newsletters and in the newspaper and got a huge response. Now 3 years later it isn't as effective because many of the other therapists locally have started doing the same type of advertisement. Now people read the paper and just see "another on of those massage ads." It gets old when everyone is doing it. So come up with new ideas, give something away as a gift. Change it up and keep things interesting. Websites are also very effective if they are done correctly. I recently started using google adwords for advertising my website pages. You can set a budget as little as .50 cents a day and create an add that has specific keywords that have to be searched for it to appear on google. You can select how much you are willing to pay per click for the ad when someone finds and clicks on it. This really helps focus and maximize the power of your website and pages. I build websites and webmember pages for therapists and chiropractors quite often. for as little as $60.00 a year you can have a page made for your services. Then take and advertise it locally on google. Around the holidays I get many calls from people who found me on the internet that want to buy gift certificates for someone they know in Waterloo Iowa. I get them from people live in Florida or Germany that want to buy a massage for someone they know in Waterloo Iowa. I specialize in helping therapists set this type of advertising up on the internet, so please let me know if I can be of assistance to you. I hope this information has been helpful to you. It takes work to keep a steady flow of appointments coming in. Never slack off and think that people will just keep coming back on their won. You have to keep doing these things and work at it in order to stay busy. Sincerely, Dwayne Crandall, LMT
About the Author
Dwayne Crandall, LMT researched and wrote this article on the subject: Keeping a Steady Flow of Massage Appointments( http://www.massagevillage.com/ ). Please place an active link to this Massage Village website when you decide to publish this article.
About the Author
Dwayne Crandall, LMT researched and wrote this article on the subject: Keeping a Steady Flow of Massage Appointments( http://www.massagevillage.com/ ). Please place an active link to this Massage Village website when you decide to publish this article.
What is Legal Aid Service?
Legal aid service is essentially the act of providing free legal assistance and in certain cases court representation as well, to people in the low income range who are unable to pay for any legal charges and living within a specified area. As part of the government's efforts, the Legal Aid Society have been ensuring that legal aid service is being slowly incorporated in every town, city, and state.
The majority of these legal aid service providers aim to serve as many clients as possible as they are mainly from non-profit organizations and are composed of a pool of talented lawyers who are willing to offer their services readily.
There are mainly two common types of legal aid services available: Civil/Family legal aid and Criminal legal aid.
Civil/family legal aid is available for many types of private disputes that will, or might, go to court. These include the following:
1)matrimonial and relationship property problems 2)problems to do with care of children 3)care and protection orders for children and young people 4)adoption 5)paternity 6)(mental health) compulsory treatment orders 7)recovering a debt 8)breach of contract (for example, hire purchase) 9)defamation 10)bankruptcy or insolvency
However, civil legal aid does not offers help for the following :
1)divorce ("dissolution of marriage") 2)the Disputes Tribunal 3)mediation in some cases 4)for things that don't involve a problem that could go to court (for example, getting a will drawn up) 5)immigration matters (except for refugee matters) 6)companies or groups of people (except in some cases)
Criminal legal aid is available for criminal offences that will usually go to court.Anyone charged with or convicted of an offence can apply. In addition, anyone appearing before the Parole Board can also apply for this legal aid. These include the following:
1)murder or manslaughter 2)assault on others 3)possession of drugs 4)drunk-driving 5)theft 6)fraud 7)arson 8)possession of dangerous weapons 9)shoplifting 10)molesting, rape and other sexual offences
In addition, there are many places where you can find legal aid services. For instance, you can choose to search the government listings or use the yellow pages. For faster response, you can check out the services on the internet. If you have been charged with an offence and can't afford a lawyer, it is recommended that you apply for the legal aid services as soon as possible.
Check out more information on legal-aid at http://legal-aid.mygeneralknowledge.com/Articles/Legal_Aid_Service.php
About the Author
Skyjoe is a well known author, website publisher and owner of http://legal-aid.mygeneralknowledge.com/. ©Skyjoe. All rights reserved. This article may be freely distributed as long as it remains unaltered and the copyright notice is intact. No alteration is allowed without express written permission from the author.
The majority of these legal aid service providers aim to serve as many clients as possible as they are mainly from non-profit organizations and are composed of a pool of talented lawyers who are willing to offer their services readily.
There are mainly two common types of legal aid services available: Civil/Family legal aid and Criminal legal aid.
Civil/family legal aid is available for many types of private disputes that will, or might, go to court. These include the following:
1)matrimonial and relationship property problems 2)problems to do with care of children 3)care and protection orders for children and young people 4)adoption 5)paternity 6)(mental health) compulsory treatment orders 7)recovering a debt 8)breach of contract (for example, hire purchase) 9)defamation 10)bankruptcy or insolvency
However, civil legal aid does not offers help for the following :
1)divorce ("dissolution of marriage") 2)the Disputes Tribunal 3)mediation in some cases 4)for things that don't involve a problem that could go to court (for example, getting a will drawn up) 5)immigration matters (except for refugee matters) 6)companies or groups of people (except in some cases)
Criminal legal aid is available for criminal offences that will usually go to court.Anyone charged with or convicted of an offence can apply. In addition, anyone appearing before the Parole Board can also apply for this legal aid. These include the following:
1)murder or manslaughter 2)assault on others 3)possession of drugs 4)drunk-driving 5)theft 6)fraud 7)arson 8)possession of dangerous weapons 9)shoplifting 10)molesting, rape and other sexual offences
In addition, there are many places where you can find legal aid services. For instance, you can choose to search the government listings or use the yellow pages. For faster response, you can check out the services on the internet. If you have been charged with an offence and can't afford a lawyer, it is recommended that you apply for the legal aid services as soon as possible.
Check out more information on legal-aid at http://legal-aid.mygeneralknowledge.com/Articles/Legal_Aid_Service.php
About the Author
Skyjoe is a well known author, website publisher and owner of http://legal-aid.mygeneralknowledge.com/. ©Skyjoe. All rights reserved. This article may be freely distributed as long as it remains unaltered and the copyright notice is intact. No alteration is allowed without express written permission from the author.
10 Essential Tips For Online Networking Success
If you are involved in business, then you know that networking is essential for your success. With websites like My Space, Ryze, Friendser and Direct Matches, it is easier than ever to network online. Unfortunately, most people don't network correctly. Here are some quick and easy tips to ensure successful networking online.
1) Your number one goal is to get your prospect to look at your profile. Make it clean and easy to understand. Avoid flashy graphics. Your prospect will only look at your profile a few seconds to decide if they want to initiate contact with you. 2) Use advanced search features like company search. Many sites such as Ryze allow a company search. If you are in network marketing, use this feature to find people whose network marketing company is under investigation or in bankruptcy. They may be ready for a new opportunity. 3) Put your website URL inside your profile name. Your name should be "John Doe www.mywebsite.com" (Alexa) When you do this, then every time you post on a message board or a guestbook, people will see your URL and will possibly visit your website. 4) Start a group and become the expert. People will see you as a leader if you start a group. It also gives you an easy reason to contact others. Simply say, "Hello, I just started the XYZ Group. Would you like to visit it?" It is an easy conversation starter. 5) Don't use the spam bots. There are lots of tools for adding people quickly on My Space. They get the word out quickly, but people know it is from a machine and will delete it as spam. Who wants to be friends with a spammer? 6) Don't send friend requests too quickly. People don't like pushy aggressive people. Exchange a few messages first before you add them. 7) Look at their profile and ask something that shows you read it. People know when you are being honest and sincere and not sending out form letters. 8) Network in groups. Find your favorites and be active in there. Give more than you take. But, don't spam the group. If people want to find you, they know how to look you up. 9) Don't spam out your opportunity to your friends. When you add someone as a friend, don't turn around and give them a sales pitch. Instead say, "Wow, thanks for adding me. Let me know if I can help you out with your business." 10) Use the bulletin feature in My Space, but use it wisely. My Space has an excellent feature where you can blast out messages to your friends. Instead of a sales pitch, send out helpful tips and articles you found.
In conclusion, networking online is a great way to grow your business, but you must do it wisely.
About the Author
Carlos Scarpero is a blogger who writes about internet marketing and MLM. Visit his blog at http://www.itsaboutresults.com and discover new and innovative ways to promote yourself online.
1) Your number one goal is to get your prospect to look at your profile. Make it clean and easy to understand. Avoid flashy graphics. Your prospect will only look at your profile a few seconds to decide if they want to initiate contact with you. 2) Use advanced search features like company search. Many sites such as Ryze allow a company search. If you are in network marketing, use this feature to find people whose network marketing company is under investigation or in bankruptcy. They may be ready for a new opportunity. 3) Put your website URL inside your profile name. Your name should be "John Doe www.mywebsite.com" (Alexa) When you do this, then every time you post on a message board or a guestbook, people will see your URL and will possibly visit your website. 4) Start a group and become the expert. People will see you as a leader if you start a group. It also gives you an easy reason to contact others. Simply say, "Hello, I just started the XYZ Group. Would you like to visit it?" It is an easy conversation starter. 5) Don't use the spam bots. There are lots of tools for adding people quickly on My Space. They get the word out quickly, but people know it is from a machine and will delete it as spam. Who wants to be friends with a spammer? 6) Don't send friend requests too quickly. People don't like pushy aggressive people. Exchange a few messages first before you add them. 7) Look at their profile and ask something that shows you read it. People know when you are being honest and sincere and not sending out form letters. 8) Network in groups. Find your favorites and be active in there. Give more than you take. But, don't spam the group. If people want to find you, they know how to look you up. 9) Don't spam out your opportunity to your friends. When you add someone as a friend, don't turn around and give them a sales pitch. Instead say, "Wow, thanks for adding me. Let me know if I can help you out with your business." 10) Use the bulletin feature in My Space, but use it wisely. My Space has an excellent feature where you can blast out messages to your friends. Instead of a sales pitch, send out helpful tips and articles you found.
In conclusion, networking online is a great way to grow your business, but you must do it wisely.
About the Author
Carlos Scarpero is a blogger who writes about internet marketing and MLM. Visit his blog at http://www.itsaboutresults.com and discover new and innovative ways to promote yourself online.
10 Essential Tips For Online Networking Success
If you are involved in business, then you know that networking is essential for your success. With websites like My Space, Ryze, Friendser and Direct Matches, it is easier than ever to network online. Unfortunately, most people don't network correctly. Here are some quick and easy tips to ensure successful networking online.
1) Your number one goal is to get your prospect to look at your profile. Make it clean and easy to understand. Avoid flashy graphics. Your prospect will only look at your profile a few seconds to decide if they want to initiate contact with you. 2) Use advanced search features like company search. Many sites such as Ryze allow a company search. If you are in network marketing, use this feature to find people whose network marketing company is under investigation or in bankruptcy. They may be ready for a new opportunity. 3) Put your website URL inside your profile name. Your name should be "John Doe www.mywebsite.com" (Alexa) When you do this, then every time you post on a message board or a guestbook, people will see your URL and will possibly visit your website. 4) Start a group and become the expert. People will see you as a leader if you start a group. It also gives you an easy reason to contact others. Simply say, "Hello, I just started the XYZ Group. Would you like to visit it?" It is an easy conversation starter. 5) Don't use the spam bots. There are lots of tools for adding people quickly on My Space. They get the word out quickly, but people know it is from a machine and will delete it as spam. Who wants to be friends with a spammer? 6) Don't send friend requests too quickly. People don't like pushy aggressive people. Exchange a few messages first before you add them. 7) Look at their profile and ask something that shows you read it. People know when you are being honest and sincere and not sending out form letters. 8) Network in groups. Find your favorites and be active in there. Give more than you take. But, don't spam the group. If people want to find you, they know how to look you up. 9) Don't spam out your opportunity to your friends. When you add someone as a friend, don't turn around and give them a sales pitch. Instead say, "Wow, thanks for adding me. Let me know if I can help you out with your business." 10) Use the bulletin feature in My Space, but use it wisely. My Space has an excellent feature where you can blast out messages to your friends. Instead of a sales pitch, send out helpful tips and articles you found.
In conclusion, networking online is a great way to grow your business, but you must do it wisely.
About the Author
Carlos Scarpero is a blogger who writes about internet marketing and MLM. Visit his blog at http://www.itsaboutresults.com and discover new and innovative ways to promote yourself online.
1) Your number one goal is to get your prospect to look at your profile. Make it clean and easy to understand. Avoid flashy graphics. Your prospect will only look at your profile a few seconds to decide if they want to initiate contact with you. 2) Use advanced search features like company search. Many sites such as Ryze allow a company search. If you are in network marketing, use this feature to find people whose network marketing company is under investigation or in bankruptcy. They may be ready for a new opportunity. 3) Put your website URL inside your profile name. Your name should be "John Doe www.mywebsite.com" (Alexa) When you do this, then every time you post on a message board or a guestbook, people will see your URL and will possibly visit your website. 4) Start a group and become the expert. People will see you as a leader if you start a group. It also gives you an easy reason to contact others. Simply say, "Hello, I just started the XYZ Group. Would you like to visit it?" It is an easy conversation starter. 5) Don't use the spam bots. There are lots of tools for adding people quickly on My Space. They get the word out quickly, but people know it is from a machine and will delete it as spam. Who wants to be friends with a spammer? 6) Don't send friend requests too quickly. People don't like pushy aggressive people. Exchange a few messages first before you add them. 7) Look at their profile and ask something that shows you read it. People know when you are being honest and sincere and not sending out form letters. 8) Network in groups. Find your favorites and be active in there. Give more than you take. But, don't spam the group. If people want to find you, they know how to look you up. 9) Don't spam out your opportunity to your friends. When you add someone as a friend, don't turn around and give them a sales pitch. Instead say, "Wow, thanks for adding me. Let me know if I can help you out with your business." 10) Use the bulletin feature in My Space, but use it wisely. My Space has an excellent feature where you can blast out messages to your friends. Instead of a sales pitch, send out helpful tips and articles you found.
In conclusion, networking online is a great way to grow your business, but you must do it wisely.
About the Author
Carlos Scarpero is a blogger who writes about internet marketing and MLM. Visit his blog at http://www.itsaboutresults.com and discover new and innovative ways to promote yourself online.
Worried about Your Credit Worthiness, Get an Instant Report Online
If you need to buy a house or car or take a loan to start a business you need a credit report. It is a document that establishes your financial stability and reliability.
Generally a credit report is best prepared by credit bureaus that are qualified to do the needful. The professionals at the bureaus will compile:
a. Your personal information including social security numbers, phone numbers, and addresses. The information will also include details of your employment.
b. Information on any tax liens, foreclosures, divorce settlements, child support or bankruptcy.
c. Details regarding existing loans, credit card payments, late payments, defaults, car loans and so on. The information will include information on who gave the loan, the term of the loan as well as sources of income.
Today one can obtain a credit report online by contacting major players like Equifax, Experian, and Transunion among others.
From your PC itself you can make use of the many facilities offered by them. While there are genuine sites one must be aware that there are scams too. Surf the net to find out if there are any negative comments posted about any site that offers online credit reports. Always protect yourself from scams.
The main advantage of creating an accurate credit report is that it will enable you to get better rates on mortgages and loans and you will be able to use the report to quickly process applications. Since your credit worthiness is established financial institutions and others will be able to give you faster service.
Most credit reports will have a credit score. This indicates the "risk" element to lenders. The thumb rule is that borrowers with higher credit scores are less likely to default on payments. Borrowers with credit scores of above 700 get better interest rates and easier finance.
You can help yourself obtain a higher credit score by paying bills on time, paying at least the minimum amount payable on credit card bills, never defaulting on payments, reporting correctly all credit cards, accounts, and loans availed by you, and avoiding huge debts. Be prudent and own only a minimal number of credit cards.
Always check your credit report thoroughly for mistakes, inaccurate information, erroneous entries, and clerical errors. Be a knowledgeable person and learn as much as you can about managing finances, and your rights. In depth information can be had at: http://www.fdic.gov/consumers/consumer/news/cnwin0203/ch101.html#how and many other banking sites that host articles on credit reports.
There are laws in place that protect you and your credit information. Be aware of them and if you even suspect fraud or misuse of your information be sure to report it to the authorities. Agencies like FDIC and Federal Trade Commission are dedicated to protecting the consumers.
A credit report must always be kept up-to-date it can ease your life in many ways.
About the Author
Generally a credit report is best prepared by credit bureaus that are qualified to do the needful. The professionals at the bureaus will compile:
a. Your personal information including social security numbers, phone numbers, and addresses. The information will also include details of your employment.
b. Information on any tax liens, foreclosures, divorce settlements, child support or bankruptcy.
c. Details regarding existing loans, credit card payments, late payments, defaults, car loans and so on. The information will include information on who gave the loan, the term of the loan as well as sources of income.
Today one can obtain a credit report online by contacting major players like Equifax, Experian, and Transunion among others.
From your PC itself you can make use of the many facilities offered by them. While there are genuine sites one must be aware that there are scams too. Surf the net to find out if there are any negative comments posted about any site that offers online credit reports. Always protect yourself from scams.
The main advantage of creating an accurate credit report is that it will enable you to get better rates on mortgages and loans and you will be able to use the report to quickly process applications. Since your credit worthiness is established financial institutions and others will be able to give you faster service.
Most credit reports will have a credit score. This indicates the "risk" element to lenders. The thumb rule is that borrowers with higher credit scores are less likely to default on payments. Borrowers with credit scores of above 700 get better interest rates and easier finance.
You can help yourself obtain a higher credit score by paying bills on time, paying at least the minimum amount payable on credit card bills, never defaulting on payments, reporting correctly all credit cards, accounts, and loans availed by you, and avoiding huge debts. Be prudent and own only a minimal number of credit cards.
Always check your credit report thoroughly for mistakes, inaccurate information, erroneous entries, and clerical errors. Be a knowledgeable person and learn as much as you can about managing finances, and your rights. In depth information can be had at: http://www.fdic.gov/consumers/consumer/news/cnwin0203/ch101.html#how and many other banking sites that host articles on credit reports.
There are laws in place that protect you and your credit information. Be aware of them and if you even suspect fraud or misuse of your information be sure to report it to the authorities. Agencies like FDIC and Federal Trade Commission are dedicated to protecting the consumers.
A credit report must always be kept up-to-date it can ease your life in many ways.
About the Author
Andrew Bermam is a freelance writer for Credit Report, the premier website for free credit report and credit score online information, credit history, credit score, credit reporting industry, advantage credit monitoring, credit report scores and many more. He also freelances for Payday loan site.
Can I get a Car Loan without Credit History?
The difficulties associated with getting a car loan when you have bad credit are well known and fully explained in many articles. However, there is not much written about the problems that people with no credit history have to go through in order to obtain finance to buy a car.
Why having no credit history is a drawback?
The problem with having no credit history is that the lender has no means to measure the risk involved in lending to someone with no credit history. Unless you can provide some other asset as collateral besides the car, the lender is incapable of establishing the loan amount he can grant, the interest rate he will charge and the number of installments or loan length.
What the lender wonders is why someone with no credit history never requested a loan. Was it that he never needed one before? Or was it that he already knew he wouldn't get approved?
What can be done to solve the no credit issue?
There are many measures you can take in order to work out this problem. What you need to do is to start building yourself a healthy credit history. There are many financial products you can acquire in order to get the financial institutions start reporting to the credit agencies and thus start building a credit history.
Payday loans do not require credit checks, so you'll be able to apply for a payday loan without worrying about not having a credit history. The problem with payday loans is that the interest rate charged for this kind of products is very high and you may not need the money, so it makes no sense to request an expensive loan just to get your payment recorded into your credit report. Besides, you'll need a savings account and a steady income which leads us to the really first step:
If you don't have one already, open a savings account with a bank and if possible a checking account too, this will contribute to your credit history building process. Since any transactions made with this accounts will be recorded and reported to credit agencies.
If possible ask for a credit card, use it for daily expenses you would otherwise pay in cash and pay the full balance when the credit card payment is due. This will be recorded into your credit history too and will raise your credit score significantly.
The next step would be to find a lender, the smartest thing to do is to request one first at the financial institution where you opened the accounts. However if you can't get approved there, you may want to try applying with other lenders. There are many online car loan lenders dealing with bad credit car loans specially designed for those with bad credit, no credit or even bankruptcy.
Getting recommendation letters from your employer and from any creditor that doesn't report to credit agencies stating that you are a good payer, will greatly improve your chances of getting approved for a loan. It may sound a idealistic thing to do but I assure you that the lender will take those letters into account too when making a decision.
About the Author
Bryan Quinn is a financial advisor with more than thirty years of experience. For more smart tips on Payday Loans, Credit Cards and Car Loans you can visit www.badcreditloanservices.com and also learn more about other financial options.
Why having no credit history is a drawback?
The problem with having no credit history is that the lender has no means to measure the risk involved in lending to someone with no credit history. Unless you can provide some other asset as collateral besides the car, the lender is incapable of establishing the loan amount he can grant, the interest rate he will charge and the number of installments or loan length.
What the lender wonders is why someone with no credit history never requested a loan. Was it that he never needed one before? Or was it that he already knew he wouldn't get approved?
What can be done to solve the no credit issue?
There are many measures you can take in order to work out this problem. What you need to do is to start building yourself a healthy credit history. There are many financial products you can acquire in order to get the financial institutions start reporting to the credit agencies and thus start building a credit history.
Payday loans do not require credit checks, so you'll be able to apply for a payday loan without worrying about not having a credit history. The problem with payday loans is that the interest rate charged for this kind of products is very high and you may not need the money, so it makes no sense to request an expensive loan just to get your payment recorded into your credit report. Besides, you'll need a savings account and a steady income which leads us to the really first step:
If you don't have one already, open a savings account with a bank and if possible a checking account too, this will contribute to your credit history building process. Since any transactions made with this accounts will be recorded and reported to credit agencies.
If possible ask for a credit card, use it for daily expenses you would otherwise pay in cash and pay the full balance when the credit card payment is due. This will be recorded into your credit history too and will raise your credit score significantly.
The next step would be to find a lender, the smartest thing to do is to request one first at the financial institution where you opened the accounts. However if you can't get approved there, you may want to try applying with other lenders. There are many online car loan lenders dealing with bad credit car loans specially designed for those with bad credit, no credit or even bankruptcy.
Getting recommendation letters from your employer and from any creditor that doesn't report to credit agencies stating that you are a good payer, will greatly improve your chances of getting approved for a loan. It may sound a idealistic thing to do but I assure you that the lender will take those letters into account too when making a decision.
About the Author
Bryan Quinn is a financial advisor with more than thirty years of experience. For more smart tips on Payday Loans, Credit Cards and Car Loans you can visit www.badcreditloanservices.com and also learn more about other financial options.
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