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New Millenium Bank Secured Black Diamond Mastercard

Approved regardless of credit history
Credit limits up to $10,000*
Reports to all 3 bureaus
Get cash at over 740,000 ATMs
No credit check
* Terms and conditions apply.

New Millennium Bank has guaranteed your credit approval for up to $10,000* in secured credit!

Build or rebuild your credit the SMART way with a

NMB Secured Black Diamond Visa®

• Approved regardless of credit history
  
• Credit limits up to $10,000*
  
• Reports to all 3 bureaus
  
• Get cash at over 740,000 ATMs
  
• No credit check
  
• * Terms and conditions apply.
  

• An established track record of trust and safety.
  
• Rated 4 stars (Excellent) by Bauer Financial Services.
  
• Passes stringent annual reviews by federal and state regulatory groups responsible for the safety and soundness of the national banking system.
  
• Deposited funds are insured up to $100,000 by the Federal Deposit Insurance Corporation (FDIC).
  

DID YOU KNOW?

	1. Find a strategic business partner. Look for ones that have the same objective. You can trade leads, share marketing info, sell package deals, etc. 2. Create a free ebook directory on a specific topic at your web site. People will visit your web site to read the free ebooks and may see your product ad. 3. Brand your name and business. You can easily do this by just writing articles and submitting them to e-zines or web sites for republishing. 4. Offer daily or weekly visitor bonuses. This will increase your repeat traffic and sales because your visitors will visit regularly to get the visitor bonuses. 5. Start an auction on your web site. The type of auction could be related to the theme of your site. You'll draw traffic from auctioneers and bidders. 6. Allow people to download software or e-books from your web site at no cost. Just ask your visitors in return if they'll refer their friends to your web site. 7. Remember to take a little time out of your day or week to brainstorm. New ideas are usually the difference between success and failure. 8. Create multiple streams of income with your web site. You could sell your own products, join affiliate programs, sell advertising space, etc. 9. Model other successful business or people. I'm not saying out right copy them, but practice some of the same habits that have made them succeed. 10. Give your visitors compliments in your ad copy. This can earn their trust and put them in a good mood, in return they will be easier to sell too. 11. Take risks to improve your business. Sometimes businesses don't want to advertise unless it's free, sometimes you have to spend money to get results. 12. Include emotional words in your advertisements. Use ones like love, security, relief, freedom, happy, satisfaction, fun, etc. 13. Ask people online to review your web site. You can use the comments you get to improve your website or you may turn the reviewer into a customer. 14. Out source part of your workload. You'll save on most employee costs. You could out source your secretarial work, accounting, marketing, etc. 15. Combine a product and service together in a package deal. It could increase your sales. If you're selling a book, offer an hour of consulting with it.

Establishing a good FICO credit score isn't all that difficult; all you have to do is pay your bills on time. But if you have a bad credit score from a history of not paying your bills promptly, repairing your score and building it up to a level where you can get competitive loan rates can take time. It can take several years of paying your bills on time to build up your score and it can take seven years to wipe out a judgment or a bankruptcy from your credit report. Most consumers, understandably, would rather not wait that long and there is not shortage of companies that promise to repair credit quickly.

Several companies are offering dramatic increases in credit scores of up to 200 points in as little as 60 days using something known as "seasoned credit." The concept is simple – if you are added to the credit account of someone with good credit as a cosigner, that good credit will add to your own credit score. What these companies do, for fees ranging up to $5000, is arrange to add your name as a cosigner to the accounts of willing participants who have good credit of their own.

Adding a cosigner to an account isn't illegal; husbands and wives add each other to their own accounts all the time. What is illegal about this scheme is that it is a deliberate effort to manipulate credit reports and credit scores. If it is done for purposes of qualifying for a loan for which the borrower otherwise wouldn't qualify, such as for a mortgage, it constitutes fraud.

In addition to the questionable legality of the practice, there are some other reasons why this sort of credit "repair" should not be attempted. The idea of having someone else's credit rub off on you works both ways. Customers of these companies have no idea whose accounts their names are being attached to, and if those customers stop paying their bills, then their credit score will go down along with yours. None of this is under your control; you are stuck with whomever they stick you with. Since these companies advertise that once your score increases, you can become part of their "good credit network", it only stands to reason that you may have your name attached to that of a person who only recently had a bad payment history, too.

Increasing your credit score by 200 or more points in 60 days' time sounds like a great idea. But the risks of paying someone thousands of dollars to do it for you are great. It is better to build your credit the old fashioned way. Take your time.