At least seven civilians were reportedly killed Sunday at the international airport in Kabul, the capital city of Afghanistan, according to reports.
Find Out About Equifax Reporting
Did You Want to Learn About Equifax Reporting?
It is time to learn about the business credit reporting agencies. More specifically, Equifax reporting.
But let us start with some definitions and background on business credit.
Business Credit
This is credit in the name of a business. It is not tied to the creditworthiness of its owner or owners. Instead, business credit scores depend on how well a company can pay its bills. Hence consumer and business credit scores can vary dramatically.
Business Credit Benefits
There are no demands for a personal guarantee. You can quickly get business credit regardless of personal credit quality. And there is no personal credit reporting of business accounts. Business credit utilization is not going to affect your consumer FICO score. Plus the business owner is not going to be personally liable for the debt the business incurs.
Business Credit Details
Being accepted for business credit is not automatic. Building business credit requires some work. Some of the steps are intuitive, and some of them are not.
Fundability
Fundability is the current ability of our business to get funding. Some factors are within your control. Others (like your time in business) are not. Your online presence and data are one area which is at or close to 100% with your control.
Business Credit, Fundability, and Business Funding Applications
The better your business credit and fundability are, the more likely you are going to get approval for business financing. Today, let us concentrate on Equifax reporting.
There are Three Different Credit Bureaus – But What Differentiates Equifax Reporting?
What distinguishes the three biggest credit bureaus? And can you use that information to your advantage?
There are three main credit bureaus for business: Dun & Bradstreet, Experian, and Equifax. CreditSafe and FICO SBSS are also players in this space.
In the business world Equifax and Experian are up there, but it is Dun & Bradstreet which is the major player.
Dun and Bradstreet has more than 10 times the records of the next closest reporting agency. For more details, see dnb.com/about-us/company.html. Even when talking about Equifax reporting, it makes sense to start with Dun and Bradstreet. You are going to have to start the business credit building process with them anyway.
Dun & Bradstreet
Go to Dun and Bradstreet’s website and look for your business, at dnb.com/duns-number. What happens if you can’t find it? Then get a free D-U-N-S number. You are going to always need a D-U-N-S number to start building business credit. Go here to get a D-U-N-S number: dnb.com/duns-number/get-a-duns.html.
D-U-N-S Numbers
A D-U-N-S number is how Dun and Bradstreet gets your company into their system. And a D-U-N-S number plus 3 payment experiences leads to a PAYDEX score. A payment experience is a record of a purchase from a business which reports to a credit reporting agency. In this case, Dun and Bradstreet. Once you are in Dun and Bradstreet’s system, search Equifax and Experian’s sites for your business. You can do so at creditsuite.com/reports.
Equifax Reporting
You can check out a sample of Equifax reporting at https://assets.equifax.com/assets/usis/small_business_sample_credit_report.pdf.
Keep your business protected with our professional business credit monitoring.
The company gets its data from a data sharing agreement with the Small Business Exchange, Net 30 type industry trade credit information, and from a wide variety of suppliers that provide products and services to businesses on an invoice basis.
Equifax combines financial data with industry trade credit data. They add in utility and telephone data and public record information (bankruptcies, judgments, and tax liens).
Here’s what that report says.
Company Identifying Information
The first section is devoted to identifying information about your company, namely your business name and address and telephone number. This section will also include your Equifax ID. An Equifax ID is how Equifax can tell your business from similarly-named businesses.
Credit Risk Score
The next section is about the Credit Risk Score. This score runs from 101 to 992. Higher numbers are better. This section also shows key factors.
Key factors are positives and negatives about your business, such as how old your oldest account is, and whether you have any charge-offs, and the size of your business.
Credit Utilization
The next section shows credit utilization. This is shown as a pie chart. It graphically shows which percent of your available credit line you are using. It also has identifying labels to show how much each percentage truly is. But it is only for your financial accounts.
Keep your business protected with our professional business credit monitoring.
Payment Index
The next part is your Payment Index. The score runs from 0 to 100. Higher numbers are better. It also shows Industry Median.
There is also a table explaining the numbers:
- 90+: Paid as Agreed
- 80-89: 1-30 days overdue
- 60-79: 31-60 days overdue
- 40-59: 61-90 days overdue
- 20-39: 91-120 days overdue
- 1-19: 120+ days overdue
Days Beyond Terms
This is a line graph. It shows the average days beyond terms by date reported. It is for non-financial accounts only. Plus it shows any recent trends, so if you’ve improved your payment habits, it will show up here.
Business Failure Score
The next piece is on your Business Failure Score. This score runs from 1000 to 1880. It shows its own key factors, like recent balance information.
Inquiries
The next section is devoted to inquiries. It shows the date, and whether it was an inquiry on a financial or non-financial account. This is a rather short part of the report.
Bureau Messages
The bureau messages part, appears to be a free form field. It seems its purpose is to add notes to a profile. These can be notes on the number of locations, or business aliases.
Bureau Summary Data
The bureau summary data section contains a wealth of information. It shows:
- The number of financial and non-financial accounts
- Date the credit became active
- Number of charge offs
- Total dollars past due
- Most severe status in 24 months
- Single highest credit extended
- Total current card exposure
- Median balance
- Average open balance
It also shows Recent Activity, which includes:
- The number of accounts delinquent
- New accounts opened
- Inquiries and
- Accounts updated
Public Records
The public records section has information on:
- Type Status:
- Bankruptcy
- Judgments
- Whether judgments are satisfied or not
- Liens filed and opened, or released
- Number
- Dollar and
- Most recent date filed
If there are none reported, then the date field will indicate as much.
Additional Information
The final section appears to contain somewhat miscellaneous information, which probably doesn’t fit in well anywhere else. such as alternate company Names and DBAs.
It also contains:
- Owners and Guarantor Names (name, type, date reported)
- Business and Guarantor Comments (seems to be another free form field) and
- Report Details (this shows the date the report was generated)
Improving Your Equifax Report
Now that you know what goes into it, you can see that some of the more important pieces of data Equifax looks into are:
- public records
- credit usage
- and how you handle your financial and nonfinancial accounts
Improve your Equifax score by:
- Clearing your debts as quickly as possible and not going delinquent
- Keeping credit utilization within reason, as that makes it easier to pay your bills
- And avoiding late payments
Whatever improves your Equifax report is bound to improve your reports at D&B and Experian. Paying off accounts pays dividends, as does avoiding bankruptcies.
Disputing Issues with Your Equifax Report
Equifax will not change your scores without proof. They are starting to accept more and more online disputes. Include proofs of payment with it. These are documents like receipts and cancelled checks.
Fixing credit report errors also means you specifically spell out any charges you challenge. Make your dispute as crystal clear as possible. If you need to snail mail anything in, then use certified mail so that you will have proof that you sent in your dispute. Correct Equifax issues at: equifax.com/small-business-faqs/#Dispute-FAQs. Be specific about the concerns with your report.
Monitoring Reporting
Use Equifax Complete. It currently costs $19.95 per month, after an offer of 30 days for $4.95. See equifax.com/equifax-complete/Equifax.
Monitoring Your Business Credit Scores and Reports at the Major Business CRAs
Add monitoring for all three big CRAs together for a year and it costs $468 for Dun and Bradstreet, $189 for Experian, and $224.40 for Equifax (with the special). So this is for a grand total of $881.40!
Monitoring Your Dun and Bradstreet, Experian, and Equifax Credit Scores and Reports
You can monitor your business credit at Dun and Bradstreet, Equifax, and Experian through Credit Suite, for considerable savings over what it would cost you at those different credit bureaus. And this is all in one place! Credit Suite offers monitoring through the Business Finance Suite (through Nav). See what credit issuers and lenders see so you can directly improve your scores and get the business credit and funding you need. See suitelogin.com and creditsuite.com/monitoring.
Equifax Data Breach
No blog post on Equifax reporting would be complete without at least mentioning the recent data breach. The company does seem to be better about making sure that consumers can get monitoring without having to jump through quite so many expensive hoops.
In addition, any pursuit of the company through Congress seems to have ground to a screeching halt. However, that may be due to the 2020 pandemic and election.
Will Equifax’s current and former management end up back in the hot seat again? Only time will tell.
Keep your business protected with our professional business credit monitoring.
Equifax Reporting: Takeaways
Equifax gets much of its data from the Small Business Financial Exchange.
Monitoring reports from all three of the bigger business credit reporting agencies is expensive. But you can save 90% by monitoring your Dun and Bradstreet, Experian, and Equifax scores through Credit Suite.
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Hurricane Henri: US East Coast warned of significant damage
New York state declares a state of emergency as officials warn of flooding and power outages.
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New comment by jrcplus in "Ask HN: Who is hiring? (August 2021)"
Grönska Stadsodling | UI Developer/Designer (mid-level) | Stockholm, Sweden (ONSITE) | Full-time | https://www.gronska.org/
At Grönska, we develop technology for vertical farming and operate one of Europe’s largest vertical farms. We’ve developed GrowOff, an indoor growing module for restaurants and supermarkets.
You will help craft the GrowOff end-to-end user experience, primarily developing responsive and mobile-first user interfaces (web and/or native apps) but also extending to user interactions with the hardware (IoT)!
Full job description at https://www.gronska.org/about-us/#JoinUs
New comment by GkVickieSammy_0 in "Ask HN: Who wants to be hired? (August 2021)"
Location: Nairobi,Kenya.East Africa
Remote: Yes
Willing to relocate: Possible
Technologies: Web development, Java, Java-script, JQuery, MySQL,Bootstrap4
Strengths: Quick and self-directed learner, creative thinker when finding and implementing solutions, prioritizes user experience.
Weaknesses: Less industry experience
Resume: https://drive.google.com/file/d/1HX2eEzyCr0V_wBMpxsAKnVo9veT…
Email: kambuasammy96@gmail.com
Dear recruiter, My name is Gloria Kambua and I am a Software developer having 2 years of experience and I am looking for a junior software engineer/developer role that welcomes a junior and at the same time looking for collaborative team to work with.
Finary (YC W21) Discord for Investing – Is Hiring a Senior Software Engineer
Article URL: https://boards.greenhouse.io/finary/jobs/4031690004 Comments URL: https://news.ycombinator.com/item?id=28256269 Points: 1 # Comments: 0
Upcoming Free Webinar: 7 Hidden Tactics From The Fastest Growing E-Commerce Companies
Are you struggling to grow your e-commerce business?
Sick of low conversion rates?
You’re not alone.
On average, only 3% of e-commerce website visitors converted into customers.
Yikes.
Yet, brands like the Dollar Shave Club and AppSumo are making millions even during a global pandemic.
You want to join their ranks, but you’re just not sure what you’re doing wrong. It feels like everyone else is in on some secret recipe to success.
On August 24 at 8 am PST, I’m exposing the hidden tactics the fastest growing e-commerce brands are using to dominate the online shopping industry with a free webinar.
Along with my co-host, Matthew Santos, VP of Products and Strategy at NP Accel, and Brooke Hess, Senior Director, Paid Media at NP Digital, we’ll break down how you can implement each one to boost your e-commerce sales.
It’s free. Register here.
What Will You Learn?
Since opening my agency, NP Digital, I’ve worked with companies of all sizes, including some of the world’s fastest-growing e-commerce brands.
I’ve seen first-hand the unique strategies these companies use to generate targeted traffic, attract quality leads, and convert shoppers into paying customers.
The best part? These e-commerce sales tactics work for brands of all sizes. Whether you’re just starting or you already have some skin in the game, these strategies can work for you.
Here are some of the specific things we will teach you:
- E-commerce SEO: Learn how to generate free, recurring, and high-converting traffic with SEO practices no one else is talking about.
- Paid advertising: Discover how to multiply your results and increase your conversion rate even with a small paid ads budget.
- E-commerce CRO: Uncover the powerful strategies fast-growing e-commerce brands use to improve conversion rate optimization (CRO).
These points are only scratching the surface of what you’ll learn.
Conclusion
One of the best ways to become successful in business is to look for clues. Brands leave breadcrumbs you can follow and reverse engineer to your benefit.
We’ll show you how to spot these clues and give you actionable advice on implementing these strategies to skyrocket your e-commerce brand’s growth.
Whether you’re just starting or you’re feeling stuck, these tactics will change the game for you.
Register for the webinar, and I’ll see you on August 24 at 8 am PST.
PS: If you want my team to implement these hacks and manage your e-commerce business, go here.
Tinder Ads: How to Get New Customers to Swipe Right
Are you looking for a bit of customer love online?
Tinder could be the hookup your brand is looking for.
With a monthly user base of 66 million people and 50 percent between 18-25, Tinder is the perfect place to connect with younger audiences, no matter the product offering.
Ready to swipe right?
Let’s take a deep dive into how Tinder Ads can help your business.
How Do Tinder Ads Work?
You can purchase Tinder ads with a direct buy through Match Media Group, who also manages advertising on the dating apps Hinge, Plenty of Fish, Match, and OkCupid, if you can meet their minimum spend requirements.
NP Digital offers custom Tinder ad buys through a direct buy with Tinder, programmatically through Google’s DV360, and through both Google and Facebook’s Ad Networks. Reach out to my team to learn more.
Besides buying directly with a large budget, you can also run display ads via Google and Facebook’s ad platforms.
These display ads are shown to users who haven’t upgraded to the ad-free experience.
Why Should You Advertise on Tinder?
The majority of Tinder users are male and either Millennials or Gen Z-ers. If either of those demographics is part of your target audience, you should consider using Tinder ads.
Tinder Ad Tips
As with all other types of ads, there are best practices to follow when writing for Tinder. And when you’re writing ads to go with a dating app, you have some extra room for creativity and flair. So here are a few things to keep in mind when creating ads for Tinder users.
1. Be Eye-Catching
Looks are key on Tinder. Users speed swipe through profiles and only stop if the person’s first photo catches their eye.
For your ads to be successful on the dating app, you need to lean into this. Make sure your visuals are attractive to your demographic.
This could stop users mid-swipe, get them to spend time reading for ad copy, and click-through.
How do you create visually appealing Tinder Ads?
- use high-res images
- boost saturation
- opt for clutter-free images
- use images with faces
2. Write FOMO-Inducing Copy
Your Tinder Ads should use phrases that resonate with your audience and spark their interest.
On an app where people’s attention spans are short, you don’t want to waste your ad spend on copy that doesn’t convert.
Keep these tips in mind when writing your Tinder Ads:
- Focus on the end solution: What problem does your product or service solve? How will solving that problem improve your customers’ lives?
- Use emotional triggers: Words are powerful and can incite reactions and actions when used correctly. So sprinkle a few emotional words and phrases in your copy and start marketing with emotion.
- Focus on the benefits: People care about how your brand will improve their lives.
- Use FOMO (fear of missing out): Why does FOMO work so well? It’s an emotional trigger. It piques our curiosity and invites us to want to know more. It also activates loss aversion, where the pain of losing is more powerful than the pleasure of gaining something. Use this to your advantage in your ad copy.
3. Be Yourself
In general, you want to maintain your personal brand when on Tinder. As any Tinder dater will tell you, the only worse than being ghosted is being catfished.
Sure, there are Tinder Ad success stories where brands have used “fake” profiles to promote their products. Case in point: Ex Machina.
Male attendees at the SXSW festival could match with a 25-year-old woman called Ava. Once shipping right and after some light banter back and forth, Ava reveals she is a robot created to promote the film Ex Machina.
The campaign was a hit, but the movie had Tinder’s blessing to create a fake profile.
When The Gap tried something similar, it backfired. Promoting their 30 percent discount on jeans created a profile inviting users to a “pants party.” However, the brand didn’t get permission from the app, and Tinder swiftly deleted the profile for violating its terms of service.
4. Help Your Audience With Their Dating Life
People use Tinder because they’re single and ready to mingle.
Why not use your products or services to help users make a love connection? Find a way your product can help someone score that second date.
For instance, if you run a winery, offer users the chance to win a wine tasting for two. If you sell weekly meal kits, put together a perfect package for someone cooking a meal for a date. If you’re in the events industry, give away a free plus one ticket.
The Atlanta Hawks used this tactic with a “Swipe Right Night.” The event offered Tinder users the chance to win “Love Lounges.” On the night of, users could access the lounges and meet their matches face-to-face.
By focusing your campaign efforts on how you can help your customers, you’re putting their interests first and helping them make a connection.
Who knows, you could help someone find their life partner. Now, wouldn’t that be an epic brand story?
5. Keep It Simple
Tinder is a fast-paced environment. People are swiping left or right at lightning speeds.
If you want your Tinder Ad to stand out, keep it simple. Tell your viewers who you are and how you can help them, then make sure your calls to action (CTAs) are clear and convincing.
How to Create an Ad for Tinder
You can create Tinder Ads either via Facebook or Google. Here’s how to set up ads on both platforms.
How to Create Tinder Ads on Facebook
Step 1: Create a Business Account on Facebook
You can only create Facebook ads for Tinder with a Business Account and a Facebook Page.
Step 2: Go to Ads Manager to Create Your Ad
Navigate to the Facebook Ads Manager dashboard and click on the green “+ Create” button.
Select your campaign objective from the list and click on “continue.”
Step 3: Select Your Placements
A new window will pop up where you can fill in all the information Facebook needs to run your ad.
To make sure it shows up on Tinder, click on “New Ad Set” on the left-hand side of the page and scroll down to placements.
Select “manual placements,” and you’ll see four platforms show up:
- Messenger
- Audience Network
Audience Network is the platform that will deliver your ad to Tinder. The app is included in Facebook’s “dating apps” category.
Make sure you select Audience Network and fill out the rest of the fields to create your ad. When you’re done, send the ad in for review. Once Facebook approves it, you’ll have ads running on Tinder.
How to Create Tinder Ads on Google
Step 1: Go to Your Google Ads account.
To create an account, navigate to the Google Ads webpage and click on “Start Now.” Next, confirm your payment info, enter a valid credit card, and click on “Submit.”
Step 2: Create a New Campaign
Once you’re logged into your Google Ads account, click on the “new campaign” button.
Step 3: Set Your Campaign Goal and Type
Next, select “website traffic” as your campaign goal for your Tinder Ads.
Scroll down and select “Display” as your campaign type.
Enter your website name at the bottom and click “continue” when you’re done.
Step 4: Create a Target Audience for Your Tinder Ad Campaign
Here, you can start defining your target audience for Tinder.
- Select which locations you want to target or exclude.
- Choose which languages your audience speaks.
- Click on “more settings” for a list of advanced tweaks you can make to your campaign.
- When you’re ready, click on “Next.”
Step 5: Add Your Budget
On Google Ads, you can set a minimum daily spend for your Tinder ad campaign.
Once you enter an amount, you’ll get an estimate of what your results will look like.
Step 6: Set Your Ad Placements
Click on “placements” to define where you want Google to serve your ads. This is where you’ll select Tinder to make sure it shows up on the app.
In the browse section, select “Apps” and type “Tinder” in the search bar.
Tick the checkbox next to the app, then click “done.”
Now all that’s left to do is finalize the creative for your ad, and you’re done!
Tinder Ad Frequently Asked Questions
Are Tinder ads free?
No, Tinder ads are not free. The Facebook and Google ad platforms use a competitive bid system, meaning no fixed pricing for ads. Instead, the price depends on factors like demographics and the competitiveness of the ad auction.
Is Bumble or Tinder better for ads?
It depends on who you want to target and your ad creative. Bumble isn’t only for singles; it’s for meeting new friends and professional colleagues too.
How many people will see my Tinder ad?
It depends on your target audience’s definition (the more specific, the smaller the pool of people) and how much money you have to pump into your Tinder Ads.
What kind of ads can I run on Tinder?
You can currently only run ads on Tinder through Facebook and Google’s ad networks.
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Tinder Ads Conclusion
Let’s be honest: No one is going onto Tinder intending to buy your latest product.
This is why your Tinder ads need to play off the app’s purpose. Create a campaign around your audience’s dating life. Give them something to help them out on date night and bring them one step closer to meeting “the one.”
These fun campaigns can demonstrate you care about their daily lives while delighting them with a unique customer experience.
Don’t forget, if you’d rather have our team handle your paid ads or custom Tinder ad management, reach out to my team for a personalized consultation.
Are you using Tinder ads? What results have you seen from the dating app?
SafetyWing (YC W18) is hiring a remote executive director at Plumia
Article URL: https://remoteOK.io/remote-jobs/105532-remote-executive-director-plumia
Comments URL: https://news.ycombinator.com/item?id=28236316
Points: 1
# Comments: 0
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IndyCar returning to Iowa for '22 doubleheader
IndyCar will return next season to Iowa Speedway, a short oval track beloved by fans and drivers that had fallen off the schedule after 14 years.
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