Tips Photography Composition Rules

10 Tips Photography, It may sound clicked, but the only rule in photography is that there are no rules. However, there are are number of established composition guidelines which can be applied in almost any situation, to enhance the impact of a scene.

Affiliate Program

Earning Money With Affiliate Programs.

Research Marketing

Go to Blogger edit html and find these sentences.Now replace these sentences with your own descriptions.

Newsletter Benefit Your Business

Publishing a newsletter as a part of your marketing campaign can increase the potential profit from existing customers becoming long-term buyers.

Tips for College Note Taking

With so much information coming at you from every direction, taking good notes is essential for success in college and taking poor notes can have a real effect on your grades. Read on to learn a few essential tips and tricks for making your notes work for you.

Claim 500 to 3,000 Your satoshi - every day!

How To Reach Millions of People with Your Product or Services

The key to reach millions of people with your product or services is start writing your article right now and distributes it to hundreds of ezine publishers online. Currently there are tens of thousands of ezine publishers online and they are all looking for good content to publish in their ezines. If you write good article and not a sales letter that promoting your business, then your article possibility publish in their newsletter or web sites.

If your article publishes in their newsletter or web site, these will give exposure to your online business because every article you write you are free to include your business info in your resource box. So treat your resource box very useful.

Once you have your highly informative article ready to go, submit it to the online article directory. Go to search engine and type, free article directory or article directory.

Here are a few list of major article directory available on the net.
ezinearticles.com, 
goarticles.com, 
articlealley.com, 
articlecity.com, 
webpronews.com, 
ideamarketers.com, 
certificate.net, 
netterweb.com, 
articlecentral.com, 
articlefinders.com, 
xongoo.com, 
zinos.com, 
addme.com, 
amazines.com



Go to search engine and type, free ezine directory or ezine directory. Click on each ezine you search and browse for ezine accept article in their publication. Collect their name and contact emails. If you cannot find their name, try whois their web address. Alternatively, go to godaddy.com, type their ezine URL address, and click whois.

Send emails to these ezine publishers with a short cover letter and personalized paragraph at the top of your emails. Include your article in your email after your personalization. Personalization your emails are very important because most ezine publishers receive hundreds of these emails every day. Therefore, you must make your emails interesting and let these ezine publishers happy to read your emails and then take action to publish your article. 

If it is hard for you to find those ezine publishers, use article announcement lists or groups. Announcement lists is a groups of ezine publishers and editors that subscribe to these lists and they are in double opt-in method. Each of these publishers is looking for good content in their ezine, e-books, or web sites. Currently each of these publishers and editors has subscriber or ezine reader between 1,000 - 10,000 readers. These subscribers or ezine readers are growing every each day. That is mean your articles are expose to millions of ezine or newsletter readers.

Narcissistic Leaders

"It was precisely that evening in Lodi that I cam to believe in myself as an unusual person and became consumed with the ambition to do the great things that until then had been but a fantasy."

(Napoleon Bonaparte, "Thoughts")

"They may all e called Heroes, in as much as they have derived their purposes and their vocation not from the calm regular course of things, sanctioned by the existing order, but from a concealed fount, from that inner Spirit, still hidden beneath the surface, which impinges on the outer world as a shell and bursts it into pieces - such were Alexander, Caesar, Napoleon ... World-historical men - the Heroes of an epoch - must therefore be recognized as its clear-sighted ones: their deeds, their words are the best of their time ... Moral claims which are irrelevant must not be brought into collision with World-historical deeds ... So mighty a form must trample down many an innocent flower - crush to pieces many an object in its path."

(G.W.F. Hegel, "Lectures on the Philosophy of History")

"Such beings are incalculable, they come like fate without cause or reason, inconsiderately and without pretext. Suddenly they are here like lightning too terrible, too sudden, too compelling and too 'different' even to be hated ... What moves them is the terrible egotism of the artist of the brazen glance, who knows himself to be justified for all eternity in his 'work' as the mother is justified in her child ...

In all great deceivers a remarkable process is at work to which they owe their power. In the very act of deception with all its preparations, the dreadful voice, expression, and gestures, they are overcome by their belief in themselves; it is this belief which then speaks, so persuasively, so miracle-like, to the audience."

(Friedrich Nietzsche, "The Genealogy of Morals")

"He knows not how to rule a kingdom, that cannot manage a province; nor can he wield a province, that cannot order a city; nor he order a city, that knows not how to regulate a village; nor he a village, that cannot guide a family; nor can that man govern well a family that knows not how to govern himself; neither can any govern himself unless his reason be lord, will and appetite her vassals; nor can reason rule unless herself be ruled by God, and be obedient to Him."

(Hugo Grotius)

The narcissistic leader is the culmination and reification of his period, culture, and civilization. He is likely to rise to prominence in narcissistic societies.

The malignant narcissist invents and then projects a false, fictitious, self for the world to fear, or to admire. He maintains a tenuous grasp on reality to start with and this is further exacerbated by the trappings of power. The narcissist's grandiose self-delusions and fantasies of omnipotence and omniscience are supported by real life authority and the narcissist's predilection to surround himself with obsequious sycophants.

The narcissist's personality is so precariously balanced that he cannot tolerate even a hint of criticism and disagreement. Most narcissists are paranoid and suffer from ideas of reference (the delusion that they are being mocked or discussed when they are not). Thus, narcissists often regard themselves as "victims of persecution".

The narcissistic leader fosters and encourages a personality cult with all the hallmarks of an institutional religion: priesthood, rites, rituals, temples, worship, catechism, mythology. The leader is this religion's ascetic saint. He monastically denies himself earthly pleasures (or so he claims) in order to be able to dedicate himself fully to his calling.

The narcissistic leader is a monstrously inverted Jesus, sacrificing his life and denying himself so that his people - or humanity at large - should benefit. By surpassing and suppressing his humanity, the narcissistic leader became a distorted version of Nietzsche's "superman".

But being a-human or super-human also means being a-sexual and a-moral.

In this restricted sense, narcissistic leaders are post-modernist and moral relativists. They project to the masses an androgynous figure and enhance it by engendering the adoration of nudity and all things "natural" - or by strongly repressing these feelings. But what they refer to as "nature" is not natural at all.

The narcissistic leader invariably proffers an aesthetic of decadence and evil carefully orchestrated and artificial - though it is not perceived this way by him or by his followers. Narcissistic leadership is about reproduced copies, not about originals. It is about the manipulation of symbols - not about veritable atavism or true conservatism.

In short: narcissistic leadership is about theatre, not about life. To enjoy the spectacle (and be subsumed by it), the leader demands the suspension of judgment, depersonalization, and de-realization. Catharsis is tantamount, in this narcissistic dramaturgy, to self-annulment.
Narcissism is nihilistic not only operationally, or ideologically. Its very language and narratives are nihilistic. 
Narcissism is conspicuous nihilism - and the cult's leader serves as a role model, annihilating the Man, only to re-appear as a pre-ordained and irresistible force of nature. Narcissistic leadership often poses as a rebellion against the "old ways" - against the hegemonic culture, the upper classes, the established religions, the superpowers, the corrupt order. Narcissistic movements are puerile, a reaction to narcissistic injuries inflicted upon a narcissistic (and rather psychopathic) toddler nation-state, or group, or upon the leader.

Minorities or "others" - often arbitrarily selected - constitute a perfect, easily identifiable, embodiment of all that is "wrong". They are accused of being old, they are eerily disembodied, they are cosmopolitan, they are part of the establishment, they are "decadent", they are hated on religious and socio-economic grounds, or because of their race, sexual orientation, origin ... They are different, they are narcissistic (feel and act as morally superior), they are everywhere, they are defenceless, they are credulous, they are adaptable (and thus can be co-opted to collaborate in their own destruction). They are the perfect hate figure. Narcissists thrive on hatred and pathological envy.

This is precisely the source of the fascination with Hitler, diagnosed by Erich Fromm - together with Stalin - as a malignant narcissist. He was an inverted human. His unconscious was his conscious. He acted out our most repressed drives, fantasies, and wishes. He provides us with a glimpse of the horrors that lie beneath the veneer, the barbarians at our personal gates, and what it was like before we invented civilization. Hitler forced us all through a time warp and many did not emerge. He was not the devil. He was one of us. He was what Arendt aptly called the banality of evil. Just an ordinary, mentally disturbed, failure, a member of a mentally disturbed and failing nation, who lived through disturbed and failing times. He was the perfect mirror, a channel, a voice, and the very depth of our souls.

The narcissistic leader prefers the sparkle and glamour of well-orchestrated illusions to the tedium and method of real accomplishments. His reign is all smoke and mirrors, devoid of substances, consisting of mere appearances and mass delusions. In the aftermath of his regime - the narcissistic leader having died, been deposed, or voted out of office - it all unravels. The tireless and constant prestidigitation ceases and the entire edifice crumbles. What looked like an economic miracle turns out to have been a fraud-laced bubble. Loosely-held empires disintegrate. Laboriously assembled business conglomerates go to pieces. "Earth shattering" and "revolutionary" scientific discoveries and theories are discredited. Social experiments end in mayhem.

It is important to understand that the use of violence must be ego-syntonic. It must accord with the self-image of the narcissist. It must abet and sustain his grandiose fantasies and feed his sense of entitlement. It must conform with the narcissistic narrative.

Thus, a narcissist who regards himself as the benefactor of the poor, a member of the common folk, the representative of the disenfranchised, the champion of the dispossessed against the corrupt elite - is highly unlikely to use violence at first.

The pacific mask crumbles when the narcissist has become convinced that the very people he purported to speak for, his constituency, his grassroots fans, the prime sources of his narcissistic supply - have turned against him. At first, in a desperate effort to maintain the fiction underlying his chaotic personality, the narcissist strives to explain away the sudden reversal of sentiment. "The people are being duped by (the media, big industry, the military, the elite, etc.)", "they don't really know what they are doing", "following a rude awakening, they will revert to form", etc.

When these flimsy attempts to patch a tattered personal mythology fail - the narcissist is injured. Narcissistic injury inevitably leads to narcissistic rage and to a terrifying display of unbridled aggression. The pent-up frustration and hurt translate into devaluation. That which was previously idealized - is now discarded with contempt and hatred.

This primitive defense mechanism is called "splitting". To the narcissist, things and people are either entirely bad (evil) or entirely good. He projects onto others his own shortcomings and negative emotions, thus becoming a totally good object. A narcissistic leader is likely to justify the butchering of his own people by claiming that they intended to kill him, undo the revolution, devastate the economy, or the country, etc.

The "small people", the "rank and file", the "loyal soldiers" of the narcissist - his flock, his nation, his employees - they pay the price. The disillusionment and disenchantment are agonizing. The process of reconstruction, of rising from the ashes, of overcoming the trauma of having been deceived, exploited and manipulated - is drawn-out. It is difficult to trust again, to have faith, to love, to be led, to collaborate. Feelings of shame and guilt engulf the erstwhile followers of the narcissist. This is his sole legacy: a massive post-traumatic stress disorder.

Top 4 Affiliate Program Technologies I Am Recommending to My Retail Merchant Clients

When beginning a relationship with a client I am always asked: "What affiliate tracking programs do you recommend?"

It's a little like asking what car do you like to drive: "Ah the good old days before kids… when I could put the top down on my Porsche and I would go blasting around town…"

But I'm not dreaming and clients need succinct and thoughtful answers that show that I understand the market and I understand their needs and that I can recommend a solution that fits their retail product line and expectations for a return on investment (ROI).

As an affiliate program manger for 7 years, I have a substantial amount of experience with virtually every major affiliate program marketing, management and tracking technology. Basically I have found that I am recommending the same solutions over and over again.

So to streamline the decision making process I created a pricing specification sheet for my client's use, as follows:

Affiliate Technology Options*

Commission Junction*

• $2,250 setup fee
• $3,000 prepaid commission
• Monthly: 30% of affiliate payout or $500 whichever is greater
• Market to 1.5M affiliates

ShareASale*

• $350 setup fee
• $100 prepaid commission
• Monthly: 20% of the affiliate payout or $25 whichever is greater
• Market to 200,000 affiliates

DirectTrack*

• $995 setup fee
• $100 a month for bandwidth
• No commission payout to DirectTrack
• No affiliate marketing provided

AvantLink (New)*

• Datafeed conversion to search engine friendly RSS feed which affiliates can customize- very smart technology and great customer and affiliate support
• $500 setup fee
• $500 escrow commission
• Monthly: 3% commission
• Market to 500 high value affiliates


From this point in the discussion I tell the client: "Affiliate programs are marathons not sprints. Plan for the long-term, learn in the short term." If they are receptive to this approach then I know I can bring them a solution that matches their goals.
These pricing models are representative of the current prices at the time this article was written and are subject to change at any time by the affiliate tracking companies with no notice. 
 
 

Benefits of Journal Writing

The benefits of journal writing are fairly well established due to the long history of journal writing. From Anne Frank to Di Vinci, journal writing has proven itself.

Benefits of Journal Writing

When considering the benefits of journal writing, it is important to set a few parameters. First, there is no age limit to using journals. There are distinct benefits for children of all ages, but journal writing is equally valuable to adults. The reason for this is journal writing is an act of personal reflection. Whether it is a teenager reflecting on the social nightmare of high school or an overworked parent taking twenty minutes a night to write is irrelevant. The point is, all age groups benefit from stepping back from their life for a few moments and reflecting on things.

Whether you recognize it or not, journal writing provides you with an anchor in your daily life. In the journal, you are free to write what you want without restrictions, to truly address the issues in your life without fear of criticism. Put another way, one of the benefits of journal writing is it acts as a self-help psychiatrist, but for MUCH cheaper!

As you write in your journal over time, you'll also start to ascertain a second benefit to doing so. This benefit is one of self-criticism. Inevitably, you'll read through past entries and review your life. Doing so will lead you to self-reflection as well as thoughts on how you might act differently should certain situations rise again.

Of equal importance, journal writing has health benefits. Before you click away from this article, consider a time in your life when you were extremely frustrated. Hopefully, you spoke to a friend to "get things off your chest." Didn't you feel a lot better afterwards? Getting things off your chest helps relieve stress, one of the biggest killers in our modern society. Journal writing acts in much the same way since you are able to write your thoughts without fear of criticism.

There are other benefits to journal writing, but all boil down to one simple fact. Writing in a journal allows you to express yourself without being judged. With the lack of privacy in our modern, digital world, that is hardly a small benefit.

DNA Paternity Tests: Home Testing or Lab Testing?

The words "DNA testing" are most commonly associated with DNA paternity testing. We hear the term most often on television talk shows or perhaps in television courtrooms.

Paternity means fatherhood. Paternity is established when a paternity testing laboratory uses genetic testing methods to demonstrate that an alleged father is the biological father of a child. These DNA paternity tests are performed to a legal standard. Paternity is disproved when these same methods and standards demonstrate that an alleged father is not the biological father.

DNA (deoxyribonucleic acid) is the genetic material in the cells of your body that govern inheritance of the color of your hair, eye color, your build, bone density and many other human and animal traits. DNA is a long, but narrow string-like object. A one-foot long string or strand of DNA is normally packed into a space roughly equal to a cube 1-millionth of an inch on a side. Not only does the human body rely on DNA but also so do most living things, including plants, animals and bacteria.

Every nucleated cell has 46 chromosomes, except the sperm cells from the man and the egg of the woman that only contain 23 chromosomes each. At the moment of conception, there are 46 chromosomes necessary to create a person. Thus, a person receives half of his/her genetic material or DNA from the biological mother, and the other half from the biological father.
Our body's cells each contain a complete sample of our DNA. There are muscle cells, brain cells, liver cells, blood cells, sperm cells and others. Basically, every part of the body is made up of these tiny cells and each contains a sample or complement of DNA identical to that of every other cell within a given person.

Every person's DNA is unique except for identical twins. Since it is so specific, just like a fingerprint, DNA paternity testing is the most powerful form of testing. DNA paternity testing is much more than a blood test. It can be performed on a much wider variety of samples, including blood cells, cheek cells, tissue samples, and semen. Since blood types, such as A, B, O, and Rh are more common within the general population; the power to differentiate individuals is not as high as with DNA paternity testing. Typical DNA test results are often 10 to 100 times more accurate than what the courts require.

Years ago, DNA testing required laboratory presence; however, there are now numerous types of home DNA tests available for use. These DNA test kits are available by direct shopping, mail order or online. The cost for these home DNA tests varies, depending on your specific desires. With a little research, you can even find a free DNA test. Most home DNA test kits are basically the same and are easy to use. For example, a basic, easy to use DNA paternity test kit may cost approximately $200.00. This low-cost DNA test kit is often used for proving paternity to a doubting father or for people who are simply looking for confirmation and peace of mind.

For approximately $225.00, a DNA test providing over 10 times more accuracy than the basic DNA test kit is available. Those with serious doubts concerning paternity and who want a higher accuracy rate than the basic DNA test kit commonly use this kit. Again, popular for those people who want that extra accuracy rating for peace of mind.

For those who simply have to have the best and are willing to pay for it, there is a higher accuracy rate DNA test kit available. This enables the parties to obtain an impressive accuracy rate that is offered by very few labs in the world. Keep in mind that DNA testing in itself is 99.999% accurate. The increased costs reflect the laboratory and higher accuracy rate of the type of test.

Another home DNA test will include testing for the mother, alleged father, and child. This will cost around $300.00. The mother does not have to be tested but is recommended if she is available (the price is the same). DNA paternity testing is so powerful that testing can be performed when the mother is not available.

Along with DNA paternity testing, a common use is the legal DNA test, i.e. to assist in matters of changing birth records, immigration issues, and inheritance issues. The average cost of this legal DNA test may cost approximately $400.00. The price structure of these kits depends on how many people are being tested. For example, mother, father and number of children. The cost to test each additional child can be anywhere from $150.00 to $175.00 per test.

Each DNA test kit listed above uses almost the exact same technique. Tests with higher accuracy involve testing more regions (parts) of each persons DNA. This extra work provides more information, and more accuracy – thus a higher, impressive accuracy rating.

With the home DNA test kit, it is recommended that samples be taken and sent to the lab within two weeks of each other (for best results). Samples have been tested up to 1 year old with positive results.

There are no age restrictions with DNA paternity testing. It used to be common procedure that only people over the age of 6 months could be tested. This was mainly due to the difficulty of drawing blood from small infants. In addition, a large sample, usually two big tubes of blood, was required. This would be very difficult on a small child. This is no longer the case. In fact, for paternity and custody issues, DNA testing can be done using buccal (cheek) swabs or umbilical cord blood collected at birth can be used and does allow for rapid and reliable testing regardless of age. Since the DNA is the same in every cell of the body, the accuracy of testing performed on cheek cells collected with a swab is the same as using the blood. The sample is collected by using a buccal swab and gently massaging the inside of the mouth. DNA can be extracted from this sample. This procedure is non-invasive and painless. This is the method used by the home DNA test kit.

However, DNA paternity testing only requires a few drops of blood (1/4 to 1/2 a teaspoon), or cheek cells collected by swabbing the mouth. This small amount of blood, or cheek swab, permits the easier testing of newborns and infants. Being that DNA is set at conception, a paternity test can be performed before the child is born, through Chorionic Villi Sampling (CVS) or Amniocentesis.

DNA Paternity testing can also be performed using post-mortem specimens collected by the coroner's office. A paternity test can be done when that person is deceased or missing by reconstructing his/her DNA patterns with samples from the deceased's biological relatives.

A DNA paternity test is the most accurate form of paternity testing possible. If the DNA patterns between the child and the alleged father do not match on two or more DNA probes, then that alleged father is 100% excluded which means he has a 0% probability of paternity – it is not possible that he can be the biological father of the child.

Project ideas for Decoupage

Here are some varied ideas for new decoupage projects. We've even included some children's projects as well.

Boxes
Boxes provide interesting results when done with decoupage. A variety of boxes are available in craft stores. A box should be given two or three thin coats of an oil based paint as a base and at least three coats of varnish to finish. The final coat can be rubbed with dampened emery cloth for a fine, soft, matte finish.

When lining a box with fabric, put the seam at the front of the box. When the box is opened, you can see the back "wall" of the box but not the front one where the seam is.

If lining a box without overlapping the fabric onto a piece of cardboard, glue the pieces of fabric on to the sides and then glue decorative braid along the top edge to hide the raw edge.

Lining a box finishes it well, especially a jewelry box or a trinket box. To line a box cut a piece of sturdy cardboard to fit into the bottom. It should fall in and out easily, without catching on the sides. Cut a piece of wadding the same size as the cardboard. Cut a piece of fabric about an inch larger on all sides than the cardboard. Put the fabric face down on the table with the wadding and then the cardboard on top. Cut the corners off diagonally so that you don't have a bulge at the corner. Pull one edge of the fabric up onto the cardboard and glue it down. Bring each side of the fabric up onto the cardboard and glue down. To glue this padded shape into the box, run a line of glue on the box bottom close to the sides. Push the padded shape down into the box and press firmly.

Soft flock can be used to give a box a soft, flocked interior and comes in a variety of colors. It's a good idea to paint the inside of the box a similar color.
Soft flock comes in two parts. There is a colored glue in a bottle, paint this inside the box. Sprinkle the flock pieces generously into the box. Close the box and shake vigorously. Pour out any excess onto a piece of clean paper. Use the paper as a funnel to put the excess back into the bottle. If you want to flock the inside of the box but not the lid of the box, insert a piece of cardboard between the box and lid, close the lid and shake. When you remove the cardboard, the lid will be clean and the box will be flocked.

Picture Frames

Picture frames make ideal gifts. Or you can use decoupage to brighten up a cheap frame. As you need to see how the frame will look once upright, it's a good idea to attach your cutouts with tiny pieces of masking tape to work out their positioning.

Remember to remove the back and glass before beginning work. Use your fingers to wrap your cutouts over the edges of the frame. To ensure that you cover your frame completely with varnish, you may want to prop it up. You can use dowels rods as a frame and balance your picture frame across them. Make sure that you have newspaper below to catch any drips and gently wipe drips from the underside with a cloth. Leave it in position for a couple of days to dry thoroughly.

Candles
Mark your design on the candle. If the candle is wrapped, remove the wrapper to a quarter inch more than the design area. If it isn't wrapped, mask off the area to be left plain with paper and fasten with tape. Lightly sand the area to be painted and remove dust with a cloth. Apply two thin coats of oil-based varnish to the uncovered area. If you're placing images on a painted background, sponge on a couple of coats of gesso. Don't sand and allow to dry between coats. Sponge on background colors and allow to dry. Finish with up to five coats of varnish, lightly sanding between the last two coats. Using a craft knife, remove the wrapper and tape. Finish the cut edge with ribbon or braid. 

Children's Projects

Decoupage is a craft that is easy enough for children to be involved in. With their small fingers, children are often capable of very fine work with practice. However, depending on the age and ability of the child, you may want to make a few allowances. It's best to think it through so that they can work with your guidance, but actually perform each step themselves.

Boys as well as girls can enjoy decoupage, and as many young boys are fascinated with small and fiddly items, they can be particularly adept at this sort of work. Decoupage can be helpful in developing hand-eye co-ordination as well as powers of concentration. Once they have been introduced to the techniques, most children can be left to do projects alone, so long as someone is available for advice if they run into problems. If you aren't yet competent at decoupage yourself, you can learn together.

Children will usually prefer decoupaging different types of items to adults. A serving tray is likely to have little appeal, but a lunch box or moneybox would get lots of use. For a first project, it's best to start with something small, and many children enjoy decorating blown eggs, and are fascinated with the process of blowing the eggs.

For very young children, you can use safety scissors with rounded ends. As these scissors make it more difficult to cut small areas accurately, you will need to choose simple images and shapes to work with. Comic books can make a good supply of images and, generally, the bold pictures will be easy to cut out.

As many children get bored easily, it's worth taking a few moments to plan how the project is going to be done so they spend as little time waiting around as possible. Instead of cutting out all the images first and then after painting a surface, sitting around waiting for it to dry, paint the object first and the cutting can be done while it's drying. Or you can have two projects on the go at once so that they can switch between them.

Getting rid of air bubbles can cause the greatest problems and the easiest tool for most children to use will be the back of a spoon. Rather than using varnish or lacquer to finish, it's safer to use glue. Keep varnishes and paints out of reach of small children.

With a little forethought, decoupage is one of the safest crafts children can be involved in and it's simple enough for them to produce pleasing results.

How To Receive A Free Credit Report

Free Credit Report And Score 

How To Receive A Free Credit Report

Each consumer with credit history should obtain a copy of their report annually. The cost of credit reports vary. If obtaining a copy from the credit bureaus, consumers may pay $15 per bureau. However, some online credit agencies advertise low cost credit reports. Rather than paying for a credit report, consider obtaining a free report.

Who Qualifies for a Free Credit Report?

By law, each consumer is entitled to one free credit report each year. Although reports are free, consumer may have to pay a few bucks to view their credit score. Despite this incentive to encourage credit report monitoring, many people neglect to review the contents of their report. This results in millions becoming victims of identity theft each year. Free credit reports are available online, and viewable for up to 30 days. However, other factors may also qualify you for a free credit report.

Credit Report Inaccuracies

If you believe that your credit report contains errors or mistakes, you are a good candidate for a free credit report from each of the three bureaus. The majority of people only review their report from one bureau. However, if the contents on the Experian report are inaccurate, it's worth obtaining copies of the other three reports to ensure that the same mistake has not occurred twice.

Denied Credit, Employment, or Insurance

Although credit history has nothing to do with your ability to function well on the job or drive a car, many employers, and insurance agencies have begun checking credit reports. In some instance, a negative credit rating may prevent you from obtaining employment, or result in higher car insurance premiums. Individuals who have been denied a line of credit, employment, or insurance because of their credit will qualify for a free report.

Experience a Credit Limit Reduction or Interest Rate Increase

Unfortunately, creditors have the right to reduce credit limits and increase rates at their leisure. If you habitually make late payments or exceed your credit limit, a change in credit card limits and rates should be expected. However, if changes occur for no apparent reason, it helps to obtain a free copy of your report and ensure that all information is accurate.