One of the methods used to prevent people from changing the document has been to change it into a PDF document.

However, that hasn’t always been easy.

First there is the cost. Using Adobe Acrobat Professional can run you a few hundred dollars and for most of us, all the extra bells and whistles just aren’t necessary.

That’s why I was excited to see that Armand Morin’s  Generator Software has just released their latest version of Instant PDF Generator.

It was an excellent program before but now with the new features, it’s proving to be the best bang for the buck.

For example, they just updated…

>> Quick Toolbar Button Access

It’s now even easier to find all the features you want to use with their redesigned toolbar.

>> Page Orientation Portrait and Landscape

Now you can flip the orientation of the page and still turn it into a PDF document. That’s real handy if you have any documents that look better on a landscape view.

>> Font Embedding and Substitutions

Using your favorite fonts is a cinch now that they’ve added the font embedding and substitutions. That means your options are completely under your control!

>> Image Embedding with Compression to Reduce File Size

This was probably one of the biggest annoyances with creating PDF documents and the folks at Generator Software have solved it perfectly.

Now adding your favorite images to any document is a breeze and with the compression feature, it won’t make your file size enormous which is a plus for people downloading it from the internet!

But Most importantly it gives you the ability to password protect documents! Sending client sensitive information via e-mail is a violation of the GLB Act! E-mail IS NOT Secure!!! One way for you to ensure that you are looking out for your clients best interest and saving yourself from $1000′s in fines is to password protect any document that has client sensitive info-

>> Security Password Access for Both Owner and User

This little extra security feature will probably be the most overlooked of all but it certainly gives you a lot more control over who has access to your documents.

By adding both owner and user security features you instantly eliminate anyone trying to read your documents who doesn’t have permission.

>> Disabling of Printing, Modification, Extraction and Form-filling

These features give you that little bit extra control over the way people interact with your documents.

>> Digital Signatures

Let’s say you are sending confidential information and you want to ensure that it’s safe and hasn’t been modified after sending it to the person you wish you recieve it.

That’s where the digital signature comes into play which gives the reader the assurance that the information has not been altered since it was sent.

Instant PDF Generator really has raised the bar as far as it’s functionality and ease of use.

CHEAP AND GOOD PDF SOFTWARE CLICK HERE!

Here are FOUR BIG ADVANTAGES of Instant PDF Generator:

1. Simple to Use: If you can click your mouse button, you can create a PDF document.

2. Low Cost: Other PDF creation software can run you as much as $249. You’ll save over $150 with Instant PDF Generator and it will be more simple and easier to use.

3. Convert ANY type of document to PDF: If you can print it. You can convert it to PDF thanks to the powerful conversion technology within Instant PDF Generator.

4. No Learning Curve: If you can print a document, you can use Instant PDF Generator.

It really is the most affordable and powerful solution for personal and business use.

My recommendation is to click on the link below because you’ll also be able to see a screen shot of the product in action.

Click Here to get the PDF Software I Use

Your Friend in the Credit Biz,

Mike Citron

P.S. The GLB Act has fines of up to $10,000 per page for violations… One occurrence could put you out of business! DON’T RISK IT!

P.S Last time I checked, Instant PDF Generator also came with “Lifetime Upgrades” which means you’ll never have to pay any additional charges when the product is updated or new features have been added.

But most of us forget to focus on the most important part of our business… marketing and client retention…

In a couple of days I will share some marketing tips that came to me on a recent trip to L.A.

For today, I’d like to talk about creation of systems and delegating activities to increase your income.

First, I need you to stretch and take a deep breath, because what I’m about to say is going to be tough for many to grasp and agree with… It took me a lot to realize that some of the thoughts and statements of the Guru’s is right… no matter how much I wanted to fight that my way was right….. I continued to learn that it wasn’t—

First, take accountability! Make a “short” list of the things that you do best… Then make the LONG list of things that would be better for other people to do….. Then categorize the items based on the dollar per hour that you would have to pay someone to do that task. Whether it be mowing the lawn, dropping the deposit at the bank or getting a cup of coffee at Starbucks… calculate how much you would like to make per hour, then realize how much it would cost you to do a certain task if you were making that much…

The example that I heard several years ago is what opened my eyes… An attorney was talking to one of his friends and was instilling this same advice- The attorney explained to his friend that he had to have a talk with his assistant… His talk had to explain the importance of her new duties.. her new duties included:

Getting coffee at Starbucks every morning
Taking his car to the car wash
Picking up his dry cleaning
Etc…..

He had to explain to his assistant the value of time, and that it was better for him to give her a raise and a car allowance than it would be for him to spend the time doing it….
In his example he said, a cup of coffee cost him about $229… Wow… How could it cost that… the answer is simple- his billable hourly rate it $450 (+ $4 for the coffee) and he would have to spend about a ½ hour to park his car, get out, and wait in line for his coffee….

WOW!!! What an eye opener!!!

Now most of us, don’t expect our hourly wage to be $450 BUT— if you want to make $100k per year – that coffee will cost you $29 for your ½ hour….

The real problem lies in a recent study of executives… The study found that a high percentage of executives “Actual Work time” is less than 1 hour per day…

So if you’re actual work time is < 1 hour … then how much is that coffee really costing you?

Find a team and work it!!!

Find the strengths of the players and work their strengths, don’t try to make yours or your team member’s strengths into what you want them to be. Focus on the important aspects; trust, commitment and loyalty… The other skills are useless if you can’t count on them….

With these statements in mind, mold your day around your strengths. Mold your day around the activities that are income producing activities. Don’t try to find busy work, revert to your list of strengths and delegate the list of weak points….

Marketing and client retention should be at the top of the list, because without that you won’t have much else to worry about… now don’t say that you don’t need marketing because your business is based on referrals…

A business that is based on referrals is probably the most intensive marketing task… you must continue to WOW your referral partners and continue to provide excellent service to keep that flow of referrals coming….

Provide your clients with options that keep their best interest at heart… Find complimentary revenue generating opportunities… After all most of us didn’t tell our mom’s and dad’s “I want to own a credit repair restoration company when I grow up”
Many of us are transplanted from another business that has changed, and to many Credit is a tool for other sales…

It has been proven that it is far more cost effective to retain a client than it is to procure a client….. so, focus on ways to provide a valuable service to all of prospects that you come in contact with…. I certainly don’t want to stray you away from credit repair!!!!
I suggest having the answers to your client’s financial needs… that may be as simple as writing an article- or making a referral for another service….

The bottom line is- structure your time to focus on the tasks that create income for you. Delegate the tasks that cost less to complete than the hourly wage that you choose to earn…

Calculate your desired hourly earnings by taking the annual salary divided by 2080
Ex. $100,000 / 2080 = $48.08

Your friend in the credit biz,

Mike Citron

The Acronym OCR stands for Optical Character Recognition…. That’s a fancy name for a computer that can read…

An OCR device can “take a picture” of a letter (like a scanner) then read the picture and understand the picture is actually a letter….

WOW…

Computers can do a lot….. But now, the Credit Reporting Agencies are using these super computers to speed up the dispute process… The OCR devices will read each dispute letter and respond according to a pre-determined set of circumstances…

I know what you’re thinking… how can a computer do that? How can a company trust that? What if it can’t read my letter? How many mistakes does it make?

That’s what I was thinking when I first learned of this fact years ago. But I thought more of “How can this benefit the Credit Repair Business”?

Well… first I’ll answer the questions… A computer can definitely do a lot of the work but, most circumstances can not be answered properly with a “canned” response BUT… it’s the law of averages… most people will give up after their first try, so if the credit reporting agencies can use the computer to weed out the non-relentless people, then the computer is a success for the Credit Reporting Agencies…

Trust is a personal opinion BUT, I as a business owner could never trust a computer to make decisions that could drastically affect an individual’s life… The Credit Reporting Agencies apparently are not as concerned…

Mistakes definitely happen- how many? We’ll never know BUT, as you probably know- a recent study reported that approx 79% of personal credit reports in the USA contain errors so, it should be no surprise that these computers will have errors as well…

The IMPORTANT Question is: HOW CAN CREDIT REPAIR COMPANIES BENEFIT FROM THIS???

Well… If you understand how the system works, you will understand how to make it work for you and your clients. When the system cannot read a letter, the letter must be “hand reviewed”- if it is “Hand Reviewed” will you have a better chance of success?

My experience and opinion on why this is the case is simple… the “hand reviewers” like all Credit Reporting Agency employees are tracked and rated based on their version of “efficiency”…

Their version of efficiency is understood to be quantity NOT accuracy… so if more humans are touching the letters and the humans get paid based on how quickly they “touch” them, then I imagine that is why my experience has seen the greater success when the letters are hand reviewed… (Keep in mind “Touchs” means viewing on a monitor- not physically touching”

Now the question arises: “How do we get them hand reviewed”

The secret answer is not “mirrors” but it is a well guarded industry secret…

Again, no one tactic can be the panacea but- a combination of proven tactics along with persistency will prove to be the best!! In order for the letter to be hand reviewed the letter must not be readable by the OCR- To make your letter unreadable or difficult for the ocr to read you can simply….

Well if you want the answer, you can

1. Listent to one of my webinar’s : http://disputesuite.com/demo.html OR
   
2. Take a peek at my website and let me know what you think of it… SIMPLY go to my Credit Repair Software website look over the site then shoot me a quick e-mail with your opinion of it… E-mail Mike @ DisputeSuite.com and put in the subject line ” I want the OCR Secrets”….

And I will send you the info on what had worked for me in the past… I will give you 2 CRITICAL tips that will make your letter almost impossible for the OCR to read it…

By the way… it’s not invisible ink, AND it DOES NOT need to be handwritten…

You can keep guessing or just try one of the above options…

Caution!

Once you try our software you will become a believer!

You WILL get excited by it!

You will make more money in your business!

Your business will be more efficient!!

You will send me a thank you card (Stuffed with my favorite?)

you will want to drink the punch (LOL)