Credit Inquiries – What You Need To Know Before Applying For Credit

Inquiries, by nature, are not harmful to your credit. In order to obtain credit, an inquiry must follow. However, when inquiries become excessive, it will lower your credit score by at least 5 points for each inquiry.

Many experts have stated that inquiries remain on your credit report for 6 months, and then disappear. However, in practice, lenders see about 2 years’ worth of inquiries. This is important to note because today’s credit application impacts your credit two years in the future.

When you receive credit card solicitations in the mail, a credit inquiry was made by the card company. However, these inquiries don’t count against you or your score. If you decide to respond to the solicitation, then you will have a credit hit.

When you’re shopping for a home loan, you can have multiple mortgage company inquiries without affecting your credit score. However, in general, the inquiries must be within 30 days of the first inquiry. Therefore, before applying to the first company, make sure you have all of your finances, documentation, and questions in order. That way, you can make multiple applications within the 4-week window.

Inquiries are especially scrutinized by mortgage companies. Guidelines vary, but if they see at least 10 inquiries, they will note a pattern of being a “credit junkie.” It impacts your approval because they suspect that, after you get their loan, you will apply for more credit. Chances are you will max out your credit limit, increasing your monthly debt load. An increased monthly debt load can lead to trouble meeting payment obligations. Trouble making mortgage payments can lead to foreclosure.

When you are applying for a mortgage, do not apply for any further credit until your loan is closed. Many mortgage companies will run another credit report prior to closing your loan. If they see a non-mortgage company inquiry on your credit, that might be enough reason to revoke an approval.

If you’re applying for credit over the phone, try to get a general idea of what the approval criteria is for the credit company. If you know your credit score, you can avoid needless inquiries. You can easily find out from a lender what credit score is needed for an approval.

Note that the lender cannot tell you, before pulling your credit, whether you’ll be approved or denied for a loan. For example, if you tell them that you filed bankruptcy 6 months ago, they cannot tell you that you will be denied. This is a Fair Credit Reporting Act violation. They will have made a credit decision without looking at your credit report. There is no way for them to know if you’re accurate in your own credit assessment.

What they can do, however, is tell you their general guidelines. For example, this is a perfectly legal way for them to respond: “In general, our guidelines state that you must be out of bankruptcy for at least 2 years and have a score of at least 620. However, without looking at your credit report, I can’t make that determination. The best thing to do would be for us to continue with an application. May I continue?”

You can then decide at that point whether you want to risk a credit inquiry. Of course, if it’s plainly obvious that you’ll be denied, you can walk away, save the inquiry, and begin a score-boosting campaign.

Do not be in a rush to obtain credit. Very seldom will you come across a situation where you’ll need instant credit to avoid a catastrophe. When you take your time, you can examine your own credit and take the necessary actions to raise your score. When you’ve cleaned your credit, your chances of approval will soar, and you will have avoided unnecessary inquiries that would have lowered your score.

How SMS Marketing Could Benefit Your Business

The use of SMS marketing in B2C is becoming a popular way to advertise to consumers through their mobile phones. Businesses normally approach mobile phone providers to send off content using SMS (short message service) messages to mobiles. SMS texts can be received by all mobiles making SMS marketing extremely invasive but also effective. The key from a B2B perspective is to find the right balance and use this marketing channel in the right circumstances.

SMS marketing can also be sent through platforms capable of SMS broadcasting such as vMail. The areas where SMS can be of use vary greatly between industries. Mobile phone providers themselves use this method to encourage subscribers to upgrade their service and to let them know about seasonal promotions. People can also subscribe to SMS advertisements and promotions through their phone to receive SMS alerts whenever something new is posted from for example an online retailer.

The automation of parts of the sales cycle is one area where SMS marketing can help out at a B2B level. By allowing users to sign up for newsletters, competitions or updates through their phone, a business can reach audiences that might not engage through traditional marketing channels. By building a list of phone numbers, a company can begin to do promotions or update their target market on new items relevant to their audience. They can send out a mass text message to all the customers that have signed up on a certain date and are due for renewal of their contract.

SMS marketing can unlike billboards, television advertisements and magazine advertisements reach anyone wherever they are. Most people have their phones on them at all hours of the day and will check their phones if they receive an SMS message alert. This allows for a very quick response on campaigns. For example, Walls ice-cream teamed up with o2 very recently using SMS marketing combined with thermal mapping. Walls were able to send SMS messages to people that were in areas of a certain temperature.

One of the key components of an SMS campaign is that the person who is targeted must be able to opt out of the advertising or opt out of their subscription to the advertising. Usually this is done by sending a stop message the SMS. This stop code allows people to stop receiving these advertisements should they no longer want the product and it is a requirement for creating a SMS marketing campaign.

Many phone providers and SMS companies will allow small businesses to buy runs of SMS advertising. This is where a company can pay for just a short code or small run of advertising. SMS marketing can then be tailored for just about any budget and also targeted to phones based on local registration and local telephone service providers.

SMS marketing is a great tool that can be used to help businesses grow and extend the reach to alternative target markets, no matter where they are.

History of Italian Cooking

When many people think of Italian culture, they think of cuisine. Some of the most popular dishes are pizza and pasta. However, the world of Italian cooking is more than that, and the history of Italian cooking is very diverse. Different regions of Italy have developed their own styles of cooking centered around local ingredient, and other influences throughout history have influenced Italian food.

Culinary History

The history of Italian cooking actually goes back over two thousand years. It flourished during the Roman Empire. During that time, food preparation was very important, though much of the earlier art of cooking has since been lost. After the Roman Empire fell, Italian food started to become more diverse. The different city states throughout the area started to develop their own ways of cooking, as well as their own distinct flavors that came from the foods that grew in the area. Meats, cheese, and even the wine became distinct.

Regional Diversity

The diversity of the history of Italian cooking can be traced back to the different areas where it was conceived. The north utilized Tuscan beef, while in Marches the black truffles became popular. Many Italian cheeses, such as provolone and mozzarella, were developed in the south. Citrus fruits were used in the south as well. Breads and pasta differed from region to region as well.

The south used more pasta like the hard-boiled spaghetti, while in the north softer egg noodles were popular. Milan was known for its risotto. Naples, on the other hand, became known for its pizza. The coastal regions became known for their seafood dishes. Anchovies, lobster, sardines, and swordfish became incorporated into much of the history of Italian cooking.

Outside Influences

Another factor of the history of Italian cooking was the influence of other cultures on the cuisine. Ancient Greek cooking was integrated as part of the dishes, but the Roman Empire also brought in other flavors, such as wheat wine, and fine spices. Ingredients for Italian cooking came as far as China, contributing to the wide variety of flavors and dishes. The island of Sardinian was influenced by the Mediterranean, while Sicily received many influences from North Africa. The southern parts of the country were also affected by influences from the Arabs, especially when it came to the sweets, such as the popular dessert cassata.

A Continuation

Some of the most popular dishes throughout the history of Italian cooking have seen a rebirth. For instance, some believe that pasta was actually brought to Italy from China during the time of Marco Polo. However, this was actually a rediscovery of a food that had been popular in Roman times. That early pasta is not much different than the ones enjoyed around the world today.

The history of Italian cooking continues to evolve, and today there are still distinct differences between the northern and southern regions of the country. The traditions reflect the deep culture and history that originally inspired them. So every time you cook an authentic Italian dish, you are cooking a piece of history.

Hire Auto Transport Services for Easy Move of Your Sedan

When you want to move your car or cars to lengthy distances, from corner to corner, across countries, overseas or air, appointing Auto Transport Services is the best solution. You may have different variety of cars ranging from small trailers care to classic vintage cars or most modern luxurious car to move, driving it individually all by yourself to a novel location does not sound like a good idea. This can be dangerous surrounding being uncomfortable and uneconomical.

Thus, it's always wise to hire professional Auto Transport Services. These companies are there for you, to assist you in moving your all sorts of cars safely to long distances. The two standard types of transport presented are open and closed methods of transport. Usually, the vehicles can be transported either by rail or by car carrier trucks.

One need to be extra careful while selecting land transportation of a cars, vehicle or autos. The sedans are much vulnerable to easily getting damage. An open container hauler can merely leave your sedan at the sympathy of road wreckage and squally weather. And in a case of a vintage car, the harm could be almost irreparable. Even the sheer act of loading and unloading the motor vehicle into a closed container can result in spoiling it. Still open container is an economic and inexpensive option for short distance relocation.

But, you must always remember to compare the different Auto Transport quotes prior to choosing the most appropriate Auto Transport Services for your destination move. These companies do not always offer exorbitant services, but rather provide valuable assistance at smart prices. The prices are usually based on the mass and the size of the automobile to be moved. Also, it may depend on the spot of origin and destination. So, they may actually save you a couple of bucks, over driving the coupe all by yourself.

So, you need first seek out such companies and then, compare the Auto Transport quotes of them and choose the most appropriate company, which provides maximum services though at reasonable rates. Evaluating always helps in smooth, easy, and stress-free move of your sedan to a novel location.