Posts tagged ‘Consumers’

Handling consumers in the market meltdown – 8 Top ideas to Help You handle your prospects

During these challenging monetary times, many of us are aware how important and value efficient it’s to retain existing customers and build future loyalty whenever acquiring new business. Many small to medium-sized enterprises discover that while they grow, to make sure performance and effectiveness, it’s important to go from informal systems to more efficient computer system based documents. This helps to ensure that the data is up to date and precise, connections manufactured whenever assured and staff can access main records, for persistence. To deliver a quality solution to consumers, you and your staff must:

1 discover contact information quickly – even if the client initiates surprise mobile call, you ought to preserve an environment of performance by locating details quickly. This may prompt you concerning that is phoning, from where organization and offers records from past conversations!

2 Save time – do not reinvent the wheel! A database allows queries becoming saved and used time and time again.

3 e-mail – save your time and ensure blanket coverage by sending email messages direct from contact information. This is one document such as for example a newsletter that will be provided for everyone within database by the press of a button, or individual communications delivered to individual customers.

4 maintain obvious documents – if you want to provide a specialist solution, you simply cannot reply on a messy assortment of scribbled notes plus a random collections of Post-Its, held in various locations and on occasion even by several different individuals! Consistency and easier accessibility need to be the order associated with time. A pc based system can really help store e-mails, records from phone calls, letters, conferences diaried an such like and recall them at touch of a button.

5 Target your marketing – marketing and advertising has become probably much more vital than in the past, nonetheless it is costly when it comes to both money and time. Make sure that all marketing and advertising and sales tasks are because targeted as you can, by mailing certain areas from your own database.

6 Use post merge – setup your very own direct-mail campaigns to market special deals, exhibitions, vouchers, or any other advertising and marketing activities. Remember, you’ll need a critical mass of men and women hear about your offers, to help ensure marketing projects succeed!

7 generate task lists – start daily with a definite variety of what to be performed and make certain that every vow to ring litigant by a particular day is honoured. Ensure you always remember that follow-up phone or mislay contact details again!

8 Always make sure staff gain access to consistent records – anyone from your business just who speaks to consumers must be able to access consumer records. Folks are busy and desire to achieve their particular outcome in one single call where possible, so help them to do this. All relevant staff involved in service distribution need to find out of the promises or deals made, for them to make sure successful, timely delivery.

I hope that this article provides you with ideas to help operate a competent and lucrative company!

National Foundation for Credit Counseling? Encourages Consumers to Know Their Rights During National Consumer Protection Week


Washington, DC (PRWEB) February 28, 2015

National Consumer Protection Week is being observed from March 1-7, and the National Foundation for Credit Counseling® (NFCC) is participating by connecting consumers to resources that can improve their level of financial protection.

“Consumers who are informed about their rights have an advantage over those who don’t,” said Bruce McClary, spokesperson for the NFCC.

The following tips can help people learn more about managing their personal finances while protecting themselves from scams and abusive practices:

Know the consumer rights associated with debt collection. During the past five years, the Federal Trade Commission (FTC) has filed legal action against 180 debt collection agencies. Threatening phone calls, abusive language, calling at odd hours, and revealing account information to others are among the ways that some debt collectors are violating consumer rights. All consumers should be familiar with the rules that protect their rights in these situations. The FTC offers information about the Fair Debt Collection Practices Act (FDCPA) at http://www.consumer.ftc.gov/articles/0149-debt-collection. If consumers feel their rights have been violated by a debt collector, they can contact the Consumer Financial Protection Bureau (CFPB) at http://www.consumerfinance.gov/complaint/#debt-collection.

Review credit reports every year. Credit reports are not only the gateway to loans, mortgages and credit cards, but are often reviewed by landlords, cell phone providers and utility companies. The report reflects a person’s financial track record, and can strongly influence a lending decision. Routinely reviewing credit is the best way to stay on guard. Consumers can access a free copy of their credit report once every 12 months from each of the three bureaus, Experian, Equifax and TransUnion, by going to http://www.AnnualCreditReport.com.

Get to know credit card protections. Many people don’t realize that certain protections are part of their credit card agreement. For instance, the Fair Credit Billing Act allows consumers to seek a refund if a product purchased was unsatisfactory. Cards may also offer return protection and extended warranties. There are many Federal laws in place to protect consumer rights when interacting with a credit card company. For a list of credit protection laws, go to https://www.federalreserveconsumerhelp.gov/learnmore/consumer-credit.cfm#CreditCards.

“Being uninformed or misinformed about basic consumer protections can leave a consumer vulnerable to financial abuse”, continued McClary. “Those who take the steps to learn about their rights are in the best position to make healthy financial choices.”

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The National Foundation for Credit Counseling (NFCC), founded in 1951, is the nation’s largest and longest serving national nonprofit financial counseling organization. The NFCC’s mission is to promote the national agenda for financially responsible behavior and build capacity for its members to deliver the highest quality financial education and counseling services. NFCC Members annually help millions of consumers through more than 600 community-based offices nationwide. For free and affordable confidential advice through a reputable NFCC Member, call (800) 388-2227, (en Español (800) 682-9832) or visit http://www.nfcc.org.







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Target provides consumers credit monitoring plus identity theft insurance

Target provides buyers credit monitoring plus identity theft insurance
ProtectMyID refuses to include a credit score or reports from different credit reporting agencies including Equifax or TransUnion, though enrollees are provided the chance to buy additional services at their own cost. The free monitoring plus identity …
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Don't like the credit score? Ask for another
As customers pay down or rack up debt, which activity is reported to the bureaus plus put into their credit reports (that determines their scores) though every bureau can not obtain or add this information simultaneously. On top of which, he states, each bureau …
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South Korean credit-card data
On January 8th prosecutors arrested an IT contractor for stealing the individual info of about 20m credit-card holders—more than half the working-age population. While functioning for the Korea Credit Bureau, that evaluates risk for the 3 card …
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RoadFish.com Admonishes Male Consumers after Credit Survey Results are Unveiled


New York, NY (PRWEB) May 25, 2013

RoadFish.com mens lifestyle and finance magazine today issued their observations regarding the results of a very recent survey performed by Experian which revealed that U.S. female consumers handle their credit and debt better than men. RoadFish.com congratulated women on their financial success and chided men, encouraging them to step up their financial game.

On May 22, 2013, Mitch Lipka of Reuters reported that one of the three major credit reporting bureaus, Experian, scrutinized 750,000 credit reports and came up with some shocking discoveries about the data found on women versus mens reports. Lipka writes that according to the survey, men earn 23% more than women however females tend to have higher credit scores, less debt, a lower mortgage, and less past-due credit lines.

RoadFish.com sent out congratulations to its female readers for collectively schooling the men in finances. RoadFish.coms Senior staff writer is quoted as saying, Big props to the ladies, who apparently as a group have succeeded in kicking mens asses when it comes to debt and credit! That being said, guys, come on. Time to step up your game. Im not encouraging you to get your financial houses in order just to keep up with the chicksbut that would be a nice bonus. In all honesty, having a good credit score, good credit record, bills paid on time, and debt being chipped away at just ensures peace of mind to a consumer. That is certainly something money cant buy. And all of those things can, in one way or another, save you money in either the long or short term.

In the above-mentioned Reuters article, Lipka states that Reuters got a sneak peak of the survey results before they were actually released and found that the average female credit score was 675 as opposed to the male average of 674. In addition, the survey revealed that women have 4.3% less than men and a 2% lower credit utilization rate. Also, more men than women have mortgages that are more than two months past due.

RoadFish.com offered some tips to men to help them get and stay on financial track. RoadFish.coms Senior staff writer is quoted as saying, Okay guys, the good news is, bad credit is reversible, debt is capable of being paid off, and more than earning tons of money all it really takes is discipline. I would recommend starting off by keeping a monthly budget. Use it to find out what expenses you can cut out, and use the extra dough to put towards paying down consumer debt. After all, the longer you have debt, the more interest youre payingso its costing you to have debt. To get your credit in good shape, you should be checking your free credit score report once per year. You can get one for no cost from each of the three credit bureaus every year. If youre paying your bills on time, not using too much of your available credit, and paying down debt, you should see that credit score inch up. There you have it, fellas. Get going!

The Reuters article divulged that according to the Experian survey, when it comes to consumer debt like auto loans and credit cards, on average men carry $ 26,227 in debt as opposed to women, who generally carry $ 25,095. When it comes to mortgages, the survey found that the mortgage held by an average man is $ 187,245 while a females mortgage is $ 178,140.

About RoadFish.com:
RoadFish.com is a popular online publication for men, generally in their 30s and 40s, who have enjoyed a fair amount of success in life and embrace the challenge of setting new goals for themselves. RoadFish.coms article topics include hot chicks, online dating suggestions, restaurant reviews, and top location picks for a luxury vacation. RoadFish.com also offers credit and debt advice, publishing articles on personal finance and bad attributed versus no credit. RoadFish.com is have and operated by Purpose, Inc.
Fish.com mens lifestyle and finance magazine remarks about a Reuters article which revealed a sneak peak of an Experian study comparing the financial and credit habits of American male versus female consumers


Related Free Credit Report Press Releases

American Consumers Say they Need Help on Household Budgeting


Boston, MA (PRWEB) May 03, 2012

According to a recent survey by American Consumer Credit Counseling American consumers could use some support when it comes to sticking to a household budget. Conducted during Financial Literacy Month, the survey found 25 percent of respondents reported an increased need for further education in the areas of daily and monthly budgets, while 20 percent expressed a need for information on understanding credit and credit scores.

In a recent ACCC web poll at ConsumerCredit.com, just 8 percent reported an increased need for education on how to save for retirement or college, while only 14 percent were interested in learning more about saving in general.

These results follow a recent report by the credit bureau Equifax indicating an 11 percent decline in total consumer debt from a peak of $ 12.4 trillion in October 2008 to $ 10.9 trillion at the end of the first quarter of 2012.

What were seeing here is an increased interest and understanding of the importance of financial education, especially in the areas that consumers face the most challenges, credit and budgeting, said Steve Trumble, President and CEO of American Consumer Credit Counseling, which is based in Newton, Mass. Despite the recent numbers showing a decline in consumer debt, consumers need to continue to arm themselves with financial education and resources. As someone who has been in this industry for more than 20 years I can confirm that the single biggest difference between financial success and financial failure is education.

When it comes to actual big-ticket spending, the survey found, Americans feel they need little guidance. Only 3 percent of all those polled by ACCC said they need further education on how to make large purchases, while only 16 percent indicated an increased need for education on setting short and long term goals.

Budgeting and spending go hand in hand, Trumble said. So while consumers may feel comfortable in the decisions they make on large purchases, those decisions are certain to have an impact on their overall financial health.

The financial education poll was the latest in a series of ACCC web surveys for 2012 that focus on a variety of financial education, budgeting and planning topics. American Consumer Credit Counselings certified and experienced counselors offer a variety of financial education, counseling and debt management services to help consumers achieve long-term financial health and stability.

ACCC is a 501(c)3 organization, that provides free credit counseling, bankruptcy counseling, and housing counseling to consumers nationwide in need of financial literacy education and money management. For more information, contact ACCC:

???????? For credit counseling, call 800-769-3571

???????? For bankruptcy counseling. call 866-826-6924

???????? For housing counseling, call 866-826-7180

???????? For more information on financial education workshops in New England, call 800-769-3571 x708

???????? Or visit us online at ConsumerCredit.com

About American Consumer Credit Counseling

American Consumer Credit Counseling (ACCC) is a non-profit 501(c)(3) organization dedicated to empowering consumers to achieve financial health through education, counseling, and debt management. ACCC provides individuals with practical solutions for solving financial problems and recognizes that consumers financial difficulties are often not the result of poor spending habits, but more frequently from extenuating circumstances beyond their control. As one of the nations leading providers of financial education and credit counseling services, ACCC works with consumers to help them with the best plan of action to reduce their debt and regain financial stability. ACCC is accredited by the Better Business Bureau and holds an A+ rating. It is also a member of the Association of Independent Consumer Credit Counseling Agencies. For more information or to access free financial education resources log on to ConsumerCredit.com or visit TalkingCentsBlog.com.