Understanding What CRM Is and How It Can Help Your Business

Do you have a new business or a growing business and are you finding that customer contact and organization is getting away from you? If so, you may want to consider investing in a Customer Relationship Management system or a CRM. You can choose from crm open source options, completely free programs, or commercial programs. These programs can help your organize your customer base, and helps you to increase sales, which ultimately means that you are growing your business.

Before the age of computers, the way the businesses kept track of customers and potential leads was via a traditional filing system. Of course, files were often lost and in the process it meant that many customers were never pursued, which meant a loss of business. Keeping handwritten files on customers and leads was no easy task back in the day, but with the use of a CRM program, you can now keep track of your customers in an organized way that helps you know when customers purchased, what they bought, and then how to target market them.

The CRM is not just a database that helps you keep track of your customers, it may have begun that way, but today it offers many facets that can help you increase your sales volume. Moreover, it helps to increase customer contact via live chat, which is often easier for customers to contact you than placing a phone call. It also gives the client more options and ways to get in touch with you that makes you more assessable, which of course increases your customer satisfaction.

Keep in mind when you are looking for a crm open source system, free system, or a commercial system that they all have their own unique platforms and you will need to make sure it is compatible with what you currently have. Keep in mind, if you are looking into a CRM, that when you contact that company, they may try to sell you something you do not need. Therefore, know what your needs are before you begin looking at the various systems and have an idea of what you need. Of course, leave room for growth, but never get more than what you think you will need in the next five to ten years.

Finally, take your time as you begin looking for your CRM and test out several programs so that you can get the system that works best for you and your business.

The Benefits of Using Open Source Software

Many people have found that there are many benefits to using open source software applications rather than the standard commercial software products. When it comes to open source products, many developers and programmers spend hours volunteering their time to make different programs that are distributed with the source code free or can have a fee when sold for commercial reasons. The beauty of open source is that there is a time and investment on the developer's part to make a product better and more user-friendly than the commercial products.

What makes the developers motivated is for self-pride but also for peer recognition for their hard work on a project. Moreover, their contributions can be added to their resume and can help them advance their personal careers. Typically, open source offers many benefits over commercial products including:

Chat

Greater reliability because it is tested more

Stability - due to the "eyes" continually on the program and code during development

Ability to fix bugs quickly because there a number of people testing different features of the program

Because the source code is open to all, it means you are not just trusting the commercial developer's code to work correctly on your computer

Software vendors often go out of business or stop development on a product you have paid for, with open source programs, you have the source code and therefore it can continue to be developed.

Many people and businesses like the ability and freedom to modify the open source program so that it is tailored for their needs, which of course means greater ease of use for many people.

This allows a business to create a customized version of the software to work best for their needs, such as open source or a Customer Relationship Management. This is becoming a must-have application for businesses all over the world, and the open source options gives you freedom to change it anyway you wish.

In the end, open source software options give individuals and businesses more choices to use products that were not just developed by those with personal investments, but those developers also use the program. You can think of open source software as a group effort, because that is exactly what it is since everyone is working together from the developers to the end-users. When everyone is working for the same final product, the result is a powerful application that can continue to be developed over the years.

Check Your Credit Score

Your credit score is influenced by a number of factors – Payment History, Credit Usage, Age of Accounts, Type of Accounts, Credit Inquires, the chart below shows what makes up your Plus Score:

Understanding your credit score results in wise financial decisions.

Get Your Free Credit Score!
With enrollment in freecreditscore.com

Credit Score For USA

In the United States of America a credit score is a number that represents the likelihood that this particular person will pay his/her debts. All lenders use this number (score) to evaluate the potential risk posed by lending money to their custumers.

Credit Scoring Models

There are 3 main credit score models:

- FICO score – the best known and most widely used
- NextGen score – Launched in 2004 by FICO company
- VantageScore – Launched in 2006
More information about these credit scores you will find here

Access Your Credit Score

The best company that will provide you with your credit report.

Since 2005 all Americans can access their credit reports for free, but it's not as free as you think!

If you want to view your free credit report you should use someone's services and pay small fee for that. One of the best services are provided by "free credit report dot com" - this company has more than 20 million customers and for a small fee of $14.95 you will be provided with Experian Credit Report and your credit score!

They have so much customers because their services are available online - you don't have to go out to see your credit report - "free credit report dot com" will provide you with your credit score while you are seating in front of your computer!

For further information visit their site by clicking the link below:

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Tips on Improving Credit Score

Improving your credit score is like losing weight, it takes time. During that time you should be serious and do your “exercises” regularly. Here are 5 tips on how to increase your credit score

Before start something very important: See where you are by checking your credit score:

Get Your Free Credit Score! With enrollment in freecreditscore.com

1. Start paying your bills on time; if you have problems with time arrangement start to write down what you should do everyday, when you finish particular task put a tick at your list. Even if you have missed to pay your bills on time, as soon as you start paying them on time your score will start increasing again.
2. Credit Cards: Try to keep your balance as low as you can and don’t open new credit cards that you don’t need, just to increase your available credit. Some people use credit cards to increase their score by using it properly and always pay their bills on time.
3. If you are a new credit user don’t open too many bank accounts, banks may found that risky also they look your average account age. There are people who operate with millions of dollars using only one bank account.
4. If you want to fix anything the first thing you should do is to understand how it works. When you understand how your credit is calculated you will manage to fix it easier. Usually the credit score is based on several factors like: outstanding debt, the length of your credit history, payment history and inquiries, recently I published article about credit score so If you want to find out more read on the rest of the blog.
5. You can use the service of online companies that will help you to fix your credit score faster.

Free Instant Credit Report

How To Access Your

Free Credit Report?...

Get Your Free Credit Score! With enrollment in freecreditscore.com

All Americans like something that is instant and free: this is a fact of our fast daily round. Now you can see your credit report instant and free. Since 2005 you can view your credit report once a year 100% free: this is your right not a favour from the bank.

How to get your free credit report?

This is online service which was called "online credit report" earlier, but now it is more common to say instant credit report. There are many sites online where you can get your free report faster than ever. This sites or agencies are allowed to collect as much personal information as necessary to process your report. Reliable site where you can get your credit score is:

Little history

In the past the only person who couldn't see the credit information was the customer himself. Sharks like credit reporting bureaus compiled financial reports on thousands or millions of people then this information went to credit cards companies and banks. They knew facts like: how long has the customer been at work, If the individual had been arrested and so on...but this is past and now you want to have this information you need no more than 5 minutes and 3-5 clicks of the mouse button


In the past the only person who couldn't see the credit information was the customer himself. Sharks like credit reporting bureaus compiled financial reports on thousands or millions of people then this information went to credit cards companies and banks. They knew facts like: how long has the customer been at work, If the individual had been arrested and so on...but this is past and now you want to have this information you need no more than 5 minutes and 3-5 clicks of the mouse button.

Differences between credit report and credit score

Very soon I'll publish some articles and resources about free instant credit reports and anual credit reports. Now I'll explain something very important: what is credit report; what is credit score and the differences between them:

Differences between credit report and credit score

What is credit score? - Tree little but very important numbers that could save you much money. This numbers help Lenders to determine how creditworthy you are: a prediction about you how likely you are to repay your loan or credit card debt, and if you are going to do this on time. Every credit company calculate the credit score by it's own factors, most common are:length of your credit history, payment history, amounts owed and so on.

What is credit report? - History of your financial and a piece of your personal life. Credit bureaus provide information about you to lenders, employers and other third parties. Credit reports include information like: how long have you been at work, your payment history, number of accounts you have, if you have been arrested and other public information about you.