Here’s What YOU Need to Know About Your Credit Score

This could be you. That is, if you don’t use a credit repair company like the ones outlined by AAA Credit Guide’s special report.

Here’s what you need to know about your credit score:

While the annual pace of new-home buyers has been steadily increasing during the first quarter of 2017, there’s one statistic that far too many people fail to recognize that also rises in connection with new home buyers, and that’s new home buyers with damaged credit ratings after buying their home.

For many, the process of buying a home can often leave them with an unintended surprise, and that’s a credit rating that suffers a massive downgrade after signing the papers on their mortgage.

While the mortgage application process can certainly be intrusive on just about anyone’s personal financial records, the main knock to a new home buyer’s credit rating comes from the combination of hard credit checks while applying for a mortgage, the increase in outstanding debt that adding a $300,000 mortgage to your has, as well as the credit applications that often follow for new home-related purchases like furniture and landscaping materials.

First time home owners like Bryan Lee, a 30 year old teacher living in Albany, New York who just purchased his first home a few months ago noted that his credit score decreased from a 755 before buying his home to now just three months later coming in at 587, a drop of 168 points within a three month period.

“I couldn’t believe how much my score had dropped” noted Lee, “I found out just how bad it was when I went to lease a new car and was turned down for having bad credit. I couldn’t believe it.”

For many, this newly lowered credit score can put a serious hold on everyday activities, and make things like buying a new car much more difficult than they would have been just a few months prior, and to compound the issue, most people assume that all they can do is grin and bear it and wait for their score to slowly rise back to its former strength.

However, some smarter home buyers are turning to credit repair companies to help them quickly rebuild their credit scores and undo some of the damage done when they bought their home.

“I knew that I couldn’t afford to just sit and wait and hope for the best when it came to my credit score so I figured the best option would be to reach out to a credit repair company and hope that they could help get things moving a little quicker” said Lee when asked about his plans for repairing his credit. “Thankfully I found a credit repair company that was very responsive and very helpful with my scenario, helped explained my options and helped me get things sorted out. I’m happy to say that 4 months after getting turned down for having poor credit my credit score is back up to 730 and rising.”

Like Bryan Lee, many first time home buyers have been turning to credit repair companies to help them rebuild their credit, with most people reporting that their scores have started rising again shortly after beginning work with these companies and taking proactive measures to rebuild their credit one day at a time.

Of course, preventing your credit score from suffering a drop like this is always preferable, in situations where it’s unavoidable, taking action and getting a credit repair company involved may be your best option to get on the road to recovery as quick as possible.

8 Tips for Photographers to Boost Their Business Through Instagram

For photographers and other freelancers, turning your work into a legitimate business can be hard. You need impressive samples to get your client’s attention, and you need clients to get samples. Luckily, social media sites like Instagram provide a way of reaching more people (and prospective customers) than ever before. Do these 8 things when posting pictures on Instagram to start being taken seriously as a photographer.


Post Consistent Content Regularly


When on Instagram or on any social media, you are ideally building a presence that showcases you and your brand. Your followers will come to expect that you post at regular intervals and that you’re putting up relatively consistent content—if your photography niche is nature, but you post something different like headshots or self-portraits, those posts are less likely to get a response.


Use a White Border

When you add a white border around your photos, you show that you’re a real photographer who knows what you’re doing, and who is in control of the viewing process. By adding this space, you can preserve the original dimensions of your photos rather than having them manipulated into the square, vertical, or horizontal preset sizes on Instagram.


Take Advantage of Symmetry

Symmetry can add harmony and balance to an otherwise average photo. When you snap a shot using symmetry, you are showing your audience that you thought it out beforehand, and aren’t just posting pictures at random.


Avoid Selfies, Opt for Self Portraits


If you’re looking to attract clients, but still want to post pictures of yourself, instead of selfies aim for self-portraits that incorporate other artistic methods. Try shooting from a faraway angle, or use symmetry, as described above.


Underexpose Photos

Most Instagram photos are taken from iPhones. iPhones tend to over-process images and can wash out some of the details that can really take an otherwise great shot to the next level. To underexpose your photos, tap and hold the frame over a bright area within the shot. This will channel the focus and exposure on that point, leaving the rest of the photo less processed and more defined.


Buy Instagram Followers


Buying Instagram followers gives the appearance of a popular Instagram profile when potential clients view your profile. A client is more likely to do business with a service provider who has a large following. Additionally, a large following on your photography or personal accounts indicates a positive reaction from the audience when looking at your photos which helps build your reputation for future photography jobs due to the bandwagon effect. Purchasing followers through reliable sources is recommended, and our recommendation is Vibbi. Vibbi provides the highest quality Instagram promotion, as well as tools such as a web viewer and tool to back your photos up from your Instagram account: ideal for photographers to show off their gallery of photos from their Instagram in an effective way!


Add a Lens Over Your Phone’s Camera

Many Instagrammers boast close-ups of subjects like fruit, flowers, or insects that were taken with a smartphone. Chances are, they’re using a lens like an Olloclip that attaches over the existing iPhone lens. These detachable lenses are much more affordable than DSLR cameras normally needed to take those shots, and they can result in the same great detail for photos taken on a macro level.


Use Hashtags Properly

You want people to be able to find your photos. If you overuse common hashtags like #photographer or #ocean, your work is likely to get lost in the thousands of photos being added every second that are using those same hashtags. Instead, do some research and opt for more specific hashtags. Use the apps Tagstock (iPhone) or Favtags (Android) to help you decide which hashtags to use.


Keeping these things in mind will help you get taken more seriously as a true photographer utilizing Instagram to showcase their work.

About FileDen

What is FileDen?

FileDen is a free online file hosting and online back up service that has been providing free and premium file hosting plans for more than 10 years. In that time, we have served more than two million users and host more than 14 million files in our private datacenter. We have been providing a quality service since 2006 and have recently moved to a scalable, cloud based infrastructure with a 99.99% uptime backed by the DigitalOcean SLA. Your files can be accessed worldwide, anytime and anywhere on all of your devices. All FileDen users are allowed to hotlink without annoying download pages or long wait times that come with other free file hosts.

Service Model

FileDen provides a freemium service model. Users can pick either the basic account that is free, allows hotlinking, 1 gigabyte of personal storage space, 100 megabyte maximum uploaded file size, 5 gigabytes of monthly data allowance (bandwidth), and much more. Premium accounts not only have premium support through Twitter, Facebook, and ticketing system, but also 15 gigabytes of personal storage space, 1 gigabyte maximum uploaded file size limit, and up to 150 gigabytes of monthly data allowance (bandwidth).

Download Speeds

During peak times, in particular in the evenings in the United States, thousands of people at once are downloading files from FileDen which can result in some slow downs for free users. We try hard to keep things running smoothly during such times and if you need guaranteed fast downloads 24/7 we recommend you upgrade to one of our premium plans. Premium users access the site through different servers and will notice no drop in performance during peak times.

What is Bandwidth?

Bandwidth is a measure of the amount of data being moved in and out of your FileDen account. For example, if you have a file that is 5 megabytes and 100 people download it daily for a month, you would use 500 megabytes of bandwidth per day, or, effectively, 15 gigabytes per month.

Bandwidth Usage

Bandwidth is allocated at the first of every month. If you feel like your bandwidth is being up faster than you had intended, it could be due to a number of reasons. If you think your bandwidth is being used faster than expected, the first thing to try is to rename your files or move them into a new folder which subsequently changes the links. Some spiders that crawl the internet can find your files on websites you post them on resulting in far more bandwidth being used than expected. Remember, if you need more bandwidth, you can always upgrade to one of our premium plans.

Dedicated Storage Pods

For users who are looking for more than what our basic and premium accounts provide, we provide dedicated storage pods. Dedicated storage pods have a capacity of 8 terabytes per pod and can be physically accessed in the FileDen datacenter in Los Angeles, California. Physical access is provided at no charge for users with 5 or more dedicated storage pods. Pods start from $249 per month per pod and are discounted in bulk.

Here’s Why a .50 Caliber Bullet May Be the Ideal Gift for Your Groom

It’s not everyday that you need a groomsmen gift, so when the special time comes, you need to be prepared. When deciding what gift to pick, it’s important to be out of the box, unique, and not something that everybody gifts (nobody likes receiving something that they already own, and groomsmen are no exception!) In this high risk, high reward culture of groomsmen gifts, what should you purchase?

You could go with something generic, like square cufflinks, but even personalizing those isn’t likely to get anybody’s attention. You need something flashy, something that sets the bar high for other attendees, and that’s why you need .50 caliber bullet bottle openers from!

In an interview with a real groom, I asked what the ideal gift for him would be. The answer is as follows…

“I don’t have an ideal gift in mind, and that’s the beauty of picking one for a groom. It’s a special day for the groom, and one that won’t be forgotten for years to come (and that’s saying something). You don’t want your gift to be the run of the mill, generic plastic crap that they have on the shelves at Target. For me personally, I want something that I would never expect in a million years. When I open the packaging and unwrap the gift, I want to have no idea what’s in the box. I’ve remarried twice, and at the ripe age of 56, I know a thing or two about gifting and receiving gifts. The oddest thing that I received as a gift was a live chicken. Yes, somebody decided that it would be funny to buy a chicken, bring me out back, and show me it. At first I was confused and asked him why he brought his chicken in the trunk, but when he laughed and said that it was my chicken and he brought it as my gift, I laughed, opened a beer with him, and we continue to laugh at it to this day.”

On the topic of beer, let’s be real here: man to man, there are only a few things that make a day memorable. One of those things is beer. While you may lose that uncanny NFL cufflink you got, you won’t lose the beer bottle opener that… wait for it… it’s made from a bullet. When looking to get a gift for a groom, get them something that they’ll actually use; you know what they say: a bottle of beer a day keeps the doctor away. While your groom is cracking open a nice, cold bottle of beer, they’ll use that bottle opener you got them and you can be sure as hell that they won’t forget it.