Where To Find Them

Unknown to many people, Facebook has a treasure trove of Credit Secrets – Learn How to Improve Your Credit links. So from this vantage point, Facebook seems under-utilized as most people use the social media tool to get in touch with friends, family, and other loved ones. Access to Credit Secrets-is important for obvious reasons but also for the not-so-obvious ones.

The not-so-obvious reasons belong to the domain of credit-weary professionals who are in denial about their real station in life. And who can blame them? Many of us live from paycheck to paycheck. Just recently, the World Bank warned Canada about the country’s consumer debt spiraling out of control.

And you thought that Canada was a well-off country and a major member of the First World order. But the sad truth is that fashionable clothing, big houses and flashy cars are not reliable indicators of financial wealth. Canadians could well be living in a dream world steeped in mortgage payments, car loans, and student loans–to name just a few.

Accordingly, Credit Secrets are worth looking at for these people. Just across the border, the United States is in a similar financial position. President Donald Trump just managed to sell the US $10 billion worth of military hardware to Saudi Arabia, America’s long-term ally. The stock markets are in a big rally from time to time. But the fact remains that the USA is still struggling to raise its debt ceiling.

Credit Secrets – Learn How to Improve Your Credit: More Important than You Think

So chances are, you belong to a major block of society that is still in denial about its true financial state. And yet, credit secrets –  are just within arm’s reach. You got that right, Facebook’s just around the corner to give you the credit scores boosting tips you’ll ever need.

Twitter also has a fair amount of info on Credit Secrets, although not as much as Facebook does. Now your eyes have been opened to the potential of the No. 1 social media site to help improve your credit lines. Aside from the oft-ignored value of Facebook, another little-known fact about the Mark Zuckerberg genius is the social medium’s power to boost the selling power of entrepreneurs worldwide.

Just type the words “Buy and Sell” at any time on the primary Facebook page search box and you’ll come up with a wealth of Facebook pages about major cities where you can post your product advertising for that extra selling mileage you so direly need. Once again, come off your skin and avoid that in-denial syndrome altogether.

Yes, Virginia, you can advertise your products for free on Facebook. It’s one of your best tickets to Credit Secrets. Although indirectly at best, improving your selling position via Facebook can have a subliminal yet tremendous impact on your credit purse strings.

As the sales pour in, first gradually and later on like a deluge of Titanic proportions, you will have something very positive to show to all your creditors out there. Just imagine, you’re accessing Facebook’s sales channels at absolutely no charge even as you’re trying to find out where Aunt Edna is up to. Hello, Credit Secrets, you’re demonstrating before all and sundry that you can really sell your wares.

If you do so well in the Facebook of things, you could have Visa, MasterCard, and Amex approaching your front porch. As Facebook’s Credit Secrets do tell, what a way to finally arrive at your dream financial power or is it prowess? Whatever the case, you’ve finally arrived in life.

Just keep spending wisely by repaying your credit card debts as soon as you can–and you’ll have that solid footing on lending terms. This way, you avoid the maddening quicksand of credit interests while you continue to improve your financial position. And don’t forget, you don’t just visit Facebook’s Credit Secrets but once.

For best results, always be in the habit of checking so what’s new. You just never know what can come up next as you type in the words Credit Secrets. There’s always something new that comes up in the search. Like that Winners’ TV commercial goes, you need to always stay invested time-wise in order to catch those rare items. You’ll never look at Facebook the same way, again.


The Impact

The credit score system has a direct bearing on consumers’ finances. A bad credit score can undermine an individual’s ability to secure loans to buy a home, a vehicle or fund a business venture. The score comes in the form of a three-digit number used to determine the creditworthiness of consumers. Lenders make lending decisions based on the scores with the aim to militate against the risk of non-payment.

The score determines the interest rate charged on the loans, such as mortgage and credit card debt. Lenders gauge the risk posed by a borrower based on historical transactions. Hence, it is vital for individuals to keep their credit score at an acceptable level avoid being denied access to critical funds or having to pay higher interest rates. When it comes to married couples, lenders consider the credit score of the concerned partner if the loan application is not co-signed.

In the event that the loan is co-signed, the credit scores of both partners are taken into account. If the score of one of the co-signees is bad, this may negatively influence the interest rate applicable to the loan. The application may be declined if the lender is convinced that the couple poses a considerable risk when it comes repayment.

Fortunately, the Credit Secrets CS or creditsecretsbook provides practical guidelines on how to manage credit scores and personal finances. The credit secrets reviews are useful for anyone looking to balance their finances or improve chances of being approved for loans.

Credit scores range between 300 and 850. Consumers are urged to maintain higher scores as a means to improve chances of loan approval and benefiting from lower interest rates. Consumers should regularly check their score and the transactions appearing on their record. In some cases, the score can be based on inaccurate information. Hence, it is vital to update the details, particularly when repaid debts are still affecting the overall score. A number of online and offline platforms provide a viable way to check the current credit score.

Credit scoring system

The Fair Isaac Corporation created the FICO, which is one of the popular systems used by lenders. A number of credit bureaus, such as Experian, Equifax, and TransUnion rely on the system. However, the bureaus may have different scores for a given individual because they employ varying statistical models to determine the applicable rating.

Additionally, the variations are due to the different reporting methods used by lenders and businesses when they share information with the credit bureaus. In turn, the credit reporting agencies present the information based on their proprietary scoring systems, which differ significantly.

On the other hand, the criteria used by lenders to qualify loan applicants influences the final decision. Lenders rely on scores from at least one of the credit bureaus, which means the choice of an agency has a bearing on the outcome of the application.

Credit scoring components

Credit bureaus take into account a wide variety of scoring components, including payment history, new credit (inquiries), outstanding amounts, type of credit and credit utilization. The components carry varying weight, which means they affect consumers’ scores differently.

Payment history and the amount owed carry the most weight (35 and 30 percent respectively). Length of history influences lenders’ decisions by 15 percent while type of credit and new credit inquiries impact loan applications by 10 percent.

Payment history covers loans from the past and focuses on how the debts were repaid. The component takes into account different types of credit, including installment loans, student finance, mortgages, automobile loans, credit cards, retail accounts and more. The credit report agencies gather information on foreclosures, wage attachments, liens, bankruptcies, suits and judgments to determine the applicable score.

Late or missed payments do not improve the score. Consumers are scored favorably when they boast a verifiable history of prompt payments or at least the payment of the minimum amount.

The credit utilization or amounts owed component is used to determine the degree of indebtedness. High outstanding balances have a negative effect on the rating. Experts recommend not exceeding 30 percent of the credit limit on loans associated with the credit card. On the other hand, installment loans should be repaid on time. This allows the credit bureaus to look at the borrower positively even if a significant amount is still outstanding. The payment pattern reflects responsible debt management by avoiding late payments or defaulting on the credit.

When it comes to the type of credit, the agencies consider the use of lines of credit responsibly. A consumer who buys a boat or other items deemed as luxury using a credit card does not demonstrate the level of responsibility required to score favorably.


Brands We Love

I don’t want to make this a love-hate sort of article as there aren’t any electronic cigarettes I really hate. If a brand is reputable, and all of the names listed here are established and trustworthy, then it’s hard to hate them. One man’s trash is another man’s treasure, but I think it’s safe to say that certain brands don’t make it to the top-ten for good reason. There could be issues of battery quality, price, or selection. I’ll talk about the ones we dislike first and save the good news for last. Or if you don’t want to read this article, check out my other article on e cigarette reviews.



I always distrust a brand that doesn’t stay current. When there is little change and no media interest, I wonder if a brand has folded; if they will stand the test of time; or even if the recent FDA ruling will undermine their ability to stay afloat and fulfill upcoming orders. All of those concerns apply to Bull Smoke.

In the beginning, this US firm was one of the dominant electronic cigarette brands. They routinely appear in the top-ten list, but competition was slim three or four years ago. Now, Bull Smoke is simply behind the times. Like Green Smoke, Bull Smoke has chosen to find a niche with beginners and stay there, although they did add e juice recently. This might be too little, too late, but who knows if the firm can make a revival? In my opinion, they need a makeover and some good publicity, especially something like a customer service representative going above and beyond expectations to satisfy a client. We need to hear that their flavors, which were nothing to write home about, have been overhauled and significantly improved. Their pricing is good, but flavor and hardware selection is unchanged after many years. If you want a brand you can grow with, this one isn’t in the business of selling eGos. Should someone buy you a starter kit for Christmas, however, there’s no reason to be afraid of them. Bull Smoke is compliant with all sorts of US regulations for safety and manufacturing standards.

SmokeTip doesn’t really enter most people’s radar, overshadowed as the name is by big companies, but regular customers know the name and keep using them. Unfortunately, the brand and its website lack something to be desired. They did, in fact, continue to update products so that now you can buy mods here, but they don’t look anything different from something you could purchase at Vaporfi. Vapers are more familiar with Vaporfi’s quality. Although SmokeTip offers some deals that Vaporfi doesn’t compete with, I just feel as though the website is too limited; I want more information about a business and its products before making a purchase. The site lacks some detail like company history and more product description.

White Cloud is a great company to work for apparently, and their website is full of information. The Fling is a wonderful disposable product. I have some concerns about the confusing catalogue, though. What’s the difference between one model of electronic cigarette and another, or between their cartomizers? A bit of clarity would be welcome.

Brands We Favor

Halo has always been a favorite because of their excellent e-juice and hard-working electronics. The G6 is a good starting point with many flavor possibilities, especially when customers order blanks and fill them with one of a respectable assortment of flavors. Halo e juice is made in the USA to demanding standards and always has been, even before regulations were imposed. A vibrant selection of battery colors makes the G6 and Triton a lot of fun. Customers can grow with Halo too, thanks to the addition of two new advanced mods, the Reactor and Tracer.

V2 keeps innovating and they now feature a new style of e cig; the VERTX. This sassy little device adds new and much-appreciated style to a format that was, frankly, getting a little bit old. The JUUL by Pax Labs helped to inspire some change, but unlike Pax Labs, V2 specializes in supporting users of ecigs and their changing needs. I love the magnetic technology of a VERTX and the Pro Series 3 or 7 which makes rusty or worn connecting threads a thing of the past.

Vaporfi is huge, but that’s not surprising. They list the biggest selection of e-juices and a fun variety of e-cigs and mods. Customers can go from chasing wisps with the Express to chasing vapor clouds with their VOX mod.