Delete Bad Credit - Insiders Guide

By John Cooper

Frequently life throws us all a curve ball from time to time. Such as a sickness in the family, getting laid off from a job, or simply not being able to provide properly.

Typically this results in you falling behind on bills, and that will cause creditors to create bad credit marks on your credit report. There is a lot of information that says these bad credit marks must remain on your credit for seven years or more.

This is not true. The truth is bad credit items can be removed and are removed every day.

To remove bad credit from your report you should dispute each item with the credit bureaus. This is done be sending a dispute letter in which you provide a reason why the item is wrong such as; not my account, account paid in full, item is out of date, information is wrong, etc.

When received the bureaus will conduct an investigation. They will contact the lender and ask them to verify the account, the dates on the account, and the balance of the debt.

If it's not verified then it must be deleted from your credit report. This is according to the Fair Credit Reporting Act.

This is the act that is cited when the claim that an item must remain on your credit report for seven years. However this act specifically and plainly says an item can remain on your credit report for a maximum of seven years, nowhere is anything said about the minimum amount of time a item must remain.

This incorrect information is causing many to feel hopeless and frustrated paying the high cost of bad credit. However you dont just have to live with it, you can delete each and every bad credit item on your report.

The truth is every item can be erased.

You can create a dispute letter yourself or you can hire a service to dispute bad credit on your behalf. Disputing negative credit is 100% legal and you will never face any fines, jail time, or arrest.

The bureaus have financed a large pr campaign to get this false belief to consumers. This is because the bureaus spend potential profits every time they investigate a dispute.

Additionally if you dispute these items yourself be prepared for the bureaus stall tactics. Often they will respond to a dispute letter by requesting more information.

This is not because they need the information but instead used as a stall tactic. This is where they hope you will give up on repairing their credit report and just live with it.

Don't just live with the high cost of bad credit. You can dispute and erase any mark from your credit. This will help to provide you and your family with the quality of life that you deserve. - 15790

About the Author:

For a free credit consultation call 1-866-246-7311. Visit us for a free credit dispute letter used to remove a charge off and other bad credit or debt collectors such as Midland Credit Management.

Fun Clothing to Dress Up Your American Girl Dolls

By Karen Hoffman

Dolls are a girl's best friend. Girls talk to their dolls, have tea parties with their dolls and last but not least they love to dress up their dolls. Whether you have a little girl that plays with american girl dolls or you collect them they are fun to dress up and accessorize. These dolls have been around for many years and have brought much joy to those who own them.

The older American Girl dolls are now highly collectible and worth a lot of money to a collector. Some people u them as family heirlooms. Many people make money selling these collectible dolls and their clothes and accessories. Many of the dolls have been discontinued resulting in making them even more collectible. All in all these dolls whether new or old are fun to play dress up with and are truly the perfect gift for any little or big girl.

Some american girl dolls have their own line of clothing you can buy on the website. You can have a lot of creative fun by mixing and matching clothes and accessories on this doll. One such doll that has a line of her own clothing designed for her is Chrissa. Chrissa is so cute and her clothes are fun and there is so much you can do when dressing her. She can be athletic, feminine or ready for bedtime.

Little girls love to change their doll's clothes throughout the day and when it is time for bed it helps to have pajamas for their dolls so they can all be ready for bed. Dolls create a great way to motivate your little girl to do things and even go to bed without a fight. Imagine the possibilities.

The american girl dolls can either be the bitty babies or the little girl dolls that have a story. The stories are great and offer your little girl a way to interact with her doll on a personal level. These stories give the american girl dolls a personality that little girls can relate to.

Dressing up these dolls with the outfits and accessories is not only fun but can be educational as well. The stories that are told about various dolls tell your child about different times and the different ways people have dressed throughout the ages. The next time you are looking for clothes and dolls for your little girl give her an American Girl doll that she can pass down to her little girl. - 15790

About the Author:

This Author is a Big Fan of American Girl Dolls and American Girl Emily.

Search Engine Optimization Essentials

By Stephen Grisham Jr.

SEO is an acronym for Search Engine Optimization. It describes how one might change a website to show up at the top of search engine searches for particular words or phrases. The higher your page ranks on search engines, the more visitors you'll get.

A wealth of informative books and resources pertaining to SEO exist. This subject tends to be extremely diverse. Consultants get paid thousands of dollars from companies who want their website to reach its full potential.

Website ranking

The initial step is to understand how search engines look at and rank websites. Google has a page ranking system. When your page has a higher rank, your website is considered more important. Larger and more relevant websites receive a higher ranking.

Keywords

Keywords are terms that users enter into search engines. These are the words you want associated with your site. You should work to be as specific as possible when choosing your keywords. Do not assume that a word like "dresses" will get your website into the top ten. There are some who believe you should put keywords in your site domain name as well. Everyone thinks that you need keywords in your title and description, though. Search engines give high priority to those fields so it is most effective to place the keywords in those areas. The search engines look at page headers, so you should put your keywords and descriptions there as well. You should also include your keywords in the H1 and H2 tags on your website.

Content

Next, you will want to use the keywords you've picked for your site to change the content of your site. It's good to have a lot of pages on your website -- the more the better. Google and Yahoo and many other search engines give a higher priority to larger websites.

Another important part of SEO is backlinks. Links to your website from other websites are commonly known as backlinks. A higher number of backlinks is desirable. In order to get the best search engine rankings possible, you need to create backlinks. This means abundant backlinks, on the order of hundreds or even thousands. If you are in a competitive market, then this is especially important.

Another method that is becoming increasingly common for adding backlinks is article submission. You can write some articles that are related to your website content and distribute them through article directories. For every submission, another backlink to your website is added through the reference box.

Submitting your website to website directories is called directory submission. This is a very good way to generate backlinks. Additionally, it will help you to attract highly targeted traffic to your website. For the best results, submit your site to many directories. - 15790

About the Author:

Stephen Grisham, Jr. is a copy writer for InfoServe Media, LLC. InfoServe Media is a Houston Website hosting and custom Web site design company. They also provide domain registration, search engine optimization (SEO), Directory Submission, SSL certificates and installation and much more.

What Is The Best Way To Clean Women Shoes?

By Debra Brian Hunt

For ladies, Fashion is one of the most vital things in life. They always want to look at their best and own the hottest and the most inimitable looking fashion accessories in the marketplace. They always desire to be the most stylish and fine-looking of all the competition.

However this can be a difficult task especially for women of the lower class as they do not have enough financial resources to fulfil their desires. Buying a fashion item once is hard enough but if they have to buy it again and again due to its wear and tear then this becomes a serious problem.

The simplest and easiest solution to this problem is to make sure that the things we buy once serve us long enough to satisfy our need for them. Shoes are perhaps the most roughly used fashion accessory. They have to go through all sorts of situations, rain, dirt, mud and so much more therefore it is only logical that their wear and tear is the most among all items of fashion. However the damage done due to this rough usage can be controlled by caring for your shoes.

Proper cleaning and maintenance is the first and foremost step in taking good care of your shoes and is sure to increase the useful life of them. Different types of shoes demand different cleaning procedures and technique. The only hard and fast rule to clean your shoes; is to the use a cloth and clean them at least once every day. However taking proper care of your shoes is much more than just that.

Shoes made up of different material demand different types of cleaning. Leather shoes and suede shoes are the hardest to maintain and clean. They require special care and attention to maintain their original look or the suede might wear out or the leather might become dull. Such shoes should be cleaned thoroughly at least once every month or whenever you see mud or dirt on them.

Cleaning suede shoes is a lot harder than cleaning any other type of shoes. To clean suede shoes always use a soft clean fabric and gently rub the surface of the shoe. Use precise suede erasers to rub out any tarnish without damaging the suede. If a precise suede eraser is not available then some normal good quality pencil eraser can also be used. This will allow you to maintain the dynamism of your suede while eradicating the spots.

To even the exterior of the suede one can use a suede metal brush and brush out the result of using the eraser. Always brush the suede in a circular pattern to evade damaging the suede. It is always suitable that you use tools designed particularly for cleaning suede as they will not spoil the suede.

Cleaning leather shoes is altogether a new tale. Always use products designed explicitly for the type of leather your shoe is made of. If you use items which are not exclusively designed for your shoe leather stuff then you could end up damaging your shoe. Commercial merchandises are obtainable at shoe stores which are not high-priced compared to the enhancement in life they give to your shoes.

If one is low on cash then mineral oil can also be utilized to clean the leather which is an active feature in all leather cleaners. However it is wise that you trial the mineral oil on that piece of your shoe which doesn't show much. To keep up that gleam in your leather shoes it is a fine thought to use a soft fabric with white vinegar to polish the shoes.

However before using any product on your shoes always consider to check it on a little piece of the shoe. Never use suede cleaners to clean leather and vice verse. - 15790

About the Author:

To get more information on comfortable women shoes and for extensive range of cheap ladies shoes visit trendyheel.com

Niche Blueprint: Parts Six And Seven Declassified

By Mark dunabil

Niche blueprint, the web e-commerce training and platform product put together by Tim Godfrey and Steven Clayton has finally come up for a relaunch on the 16th of March, this article will be dissecting the contents found within week five of the course to help you decide whether it is for you or not.

Niche blueprint has been divided into nine modules, it is in the fifth week of the programme where you get access to part two of module six and also the complete module seven. The first part of module six taught free traffic generation. Around 70% of your traffic should come from these three sources so part two is optional.

Paid traffic and in particular Google Adwords are what part two of module six is all about and in order to teach you the strategies required two videos plus a PDF are supplied. If one chooses to implement the strategies here they will be able to pick up that left over 30% of traffic.

Expanding with paid traffic

It is totally normal and indeed necessary for all businesses to take some of their profits and invest them back into the business in the way of promotion. In the case of Adwords and paid traffic is no different, you can simply take a percentage of your profits and invest and watch your overall profits increase.

But the difference here is that you will be directly adding to your bottom line, because if you follow these instructions you will gain more than you spend. Because once again it is superbly explained with an easy to follow step by step paid traffic plan for your new niche blueprint store.

Learning how to keep your store running smoothly

In module seven you will find 2 PDF's and 1 video containing all the information you will need to efficiently manage on an ongoing basis any number of your own stores.

Understanding and organising your websites ongoing tasks

Very precise and clear instructions as well as explanations are provided to you in the video in this module, the video has two main goals, one to teach you what to do and two to teach you how to go about it in an organised fashion.

Processing orders, customer support as well as being in conversation with your suppliers are just a few of the things one needs to do when running an online store and all of this is very well explained during this module's video.

To back up the video two PDF's include an order processing flowchart and a sample operations plan. As far as we can see nothing has been left to chance in this superb e-commerce training course as it not only has brilliant and complete training, but also includes all the tools necessary to build and run a successful, profitable Niche Blueprint E-Commerce Store. - 15790

About the Author:

A re launch of Tim and Steves Niche Blueprint course will be out soon. Visit these additional Niche Blueprint Review pages to put yourself in the know!