Easy2Earn Dollars

As marketers, we see it all the time… BIG RED LETTERS on landing pages to grab our attention. Different colors make people act differently. RED is usually seen as a “danger” or “warning” color… while BLUE or GREEN is more “soothing” and “trusted“. An excellent example of this was how in Star Wars, Darth Maul is RED and BLACK (representing his evil), and Yoda was GREEN… showing his “stability” and “safety”.In today’s post I wanted to focus on all of the main colors and how they should be represented in your advertising efforts. Believe it or not, the colors you place on your landing pages or web sites can drastically change your overall conversions and the user’s thinking process. Below is a break down from HP, on the main colors we use for marketing and how they are often looked at by others.

Primary Colors:

Red is a very emotionally charged color. It tends to increase the respiration rate and can even raise your blood pressure. It creates excitement and can be associated with danger, war, power, strength passion, desire and love. It can even increase your appetite.

Yellow is the happy color… it is the color of sunshine. It creates a sense of cheerfulness and helps to stimulate mental activity. When yellow is very bright, it can attract attention. It can also provide a very sharp contrast to dark colors. Yellow can have the appearance of being brighter than white if over used and can be disturbing if used too much.

Blue is a trusted color. It can provide a sense of tranquility and security. It tends to symbolize loyalty, wisdom, trust, faith, confidence, and intelligence. While red can help to increase the appetite, blue tends to have the opposite affect and can actually suppress the appetite.

Secondary Colors:

Orange is the combination of the happiness of yellow and the energy and strength of red. It symbolizes creativity, determination, enthusiasm and success. In addition orange indicates affordability. Because of its similarity to red, it is great to promote food.

Green tends to suggest endurance and stability. It represents harmony, growth and freshness. Green indicates safety. Obviously, it is associated with money and wealth. With the interest in “green” products, it is the only color that can promote organic foods and products effectively.

Violet or purple combines the energy and strength of red with the stability of blue. It represents nobility, ambition, power and luxury. It symbolizes extravagance and wealth and is often associated with dignity, independence, wisdom and magic.

Others:

White is purity, goodness, light and innocence. It is considered perfection. White is generally positive and simple. Often it is the color of charitable organizations, low-fat foods and dairy products.

Black is elegant, powerful and formal, but can also be associated with death. In marketing, it is dignified. In certain contexts, black is very negative (blacklist, black humor, etc). It can also denote prestige.

Next time you are working on your landing page or new web site, step back and look at your color scheme and see how your colors are targeting your audience.

Going into this year’s Affiliate Summit West, I wasn’t looking towards anything spectacular and didn’t have any big aspirations. I was excited about being on the “Advertising on Facebook” panel, but had no idea how beneficial it would end up being.

During the first day of the summit while walking through the meet market, I was surprised to see that Facebook had their own booth, along with plenty of staff members from the company. Not only were these members from Facebook, but they were actual team members from the Ads department and they actually understood the frustrations we have been experiencing with the Facebook approval process and their advertising platform.

I met with almost all of the members from the company, but spent the most time with Alex Shultz who is the head Marketing Exec at Facebook and also has a deep background in affiliate marketing. While in the meet market we ended up talking for about an hour and it was great to hear about the changes to come.

The next day Alex Shultz, Dan Murray, Myself and ShoeMoney were on the “Advertising on Facebook” panel. The room filled up quickly and ended up with standing room only. In addition to answering plenty of Q&A from the audience, the following points were discussed.

- Shoemoney briefly talked about how he is using Facebook Ads for local advertising and driving leads for car dealerships and dentists in his area. This method of advertising is extremely new and lucrative because barely anyone is doing this.

- There is a misconception by some that Facebook has a “college crowd”, but this is so far from the truth. There are currently over 150 million members on Facebook and some of the fastest growing demographics are over the age of 25.

- Facebook members from NON-US countries are one of it’s fastest growing areas, with Italy recently leading the way. Foreign clicks are cheaper along with less saturated.

- When setting up a new campaign, make sure to test multiple images and text headlines. Alex mentioned that the TEXT headlines of ads actually factor more in the overall CTR than the image used.

- While other social networks may start at .10 or .25 per click, it is possible to receive clicks in the .02 to .04 range. Price factoring comes down to a click through rate and cpm process. Continually tweaking and improving your ad campaigns for a better click rate, will result in lower click costs.

- Cloaking links is not fooling anyone at Facebook. They are aware of “black hat” methods and are in the process of taking actions against these advertisers and accounts.

- When Alex was asked what offers he would run on Facebook to make money, he said “dating” and “weight loss” offers are always in the top performers.

Overall. the “Advertising on Facebook” panel went well. More than anything else, I was thrilled to see Facebook made the effort to attend and put themselves out there to get real user experience stories and feedback. They know the ball is now in their court and they have made mistakes in the past, but are working to improve the system. There is no easy fix and this will take time, but improvements are on the way.

I know Alex and the Facebook team will be looking over the comments in response to this blog post, so please feel free to leave any comments, complaints or improvements you feel would be useful.

As if Facebook advertising wasn’t awesome enough, it just got better. Earlier today I received an email titled, “Announcing New Facebook Advertising Metrics“. Now usually when you receive an email from an ad network or stats place that they have improved their stats tracking… it’s usually nothing big, or just some new crappy stats. With Facebook, they actually have provided some value here.

Here is a breakdown on the different new reports you can pull from your Facebook advertising account:

“Responder Demographics” report: Facebook users spend a lot of time connecting with friends and family on Facebook – uploading photos, writing on each others’ Walls, posting notes. Now you can find out who is interacting with your ads. This report provides the aggregate age, gender and geographic location of the users who have clicked on your ad.

“Responder Profiles” report: In addition to age, gender and geographic location of the users who have clicked on your ad, we’re happy to provide psychographic information of these same users. This data is aggregated from user profiles and shows common interests, favorite TV shows, movies, books and music.

“Advertising Performance” report: This report will give you a downloadable version of the performance information you already see online– impressions, clicks and click-through rates—as well as a new section for performance data by unique user and performance data specific to your ads that contained social actions, if applicable.

So what does all of this mean? Basically you now has an amazing amount of new data to work with. You can download the files and open them up in excel and breakdown the type of visitors your ads are attracting. To see that Facebook has opened up and allowed this information to be accessed through your account is simply awesome.

Being able to see what your users are interested in, and what they are doing within Facebook, will give you even more of an edge to making your ad campaigns more successful.

In the announcement email, Facebook also says “these reports are only the beginning“. It will be interesting to see what they offer next.

A few days ago I released my first post on “How I Made $860,538.38 PROFIT in 4 Months!“, along with the picture of my $306,373.24 check. Due to the massive exposure and questions generated from the post, I thought I’d bring you the second installment to How I Made $860,538.38 PROFIT in 4 Months! This time we will go with a Q&A theme.

What is the web site you made all this money with?
The site I was able to have so much success with is MySpaceNow.com. There is no programming on the site at all, and it’s made up of over 10,000 pages of content, such as images, myspace layouts and social networking applications/flash. Yes… you can imagine how long that took to put together. However, when you are seeing results, you just want to keep making your project bigger and better!

What is the current status of your site?
My myspace resource site is still running and still turning a decent amount of profit each month. The traffic is lower than it used to be, but that’s expected. I was one of the first to get into the “myspace resources” niche, and now it is more saturated than ever.

What is/was your site traffic?
I first started the site from scratch and with no traffic. The first method of advertising, were a few text links on a couple of my other sites. Next was to get the word out on MySpace and other social networks. Once the users started to grab content and link back to my site, it was golden. The high point for site traffic was around 185,000 uniques per day. Currently the site receives around 15,000-20,000 uniques per day. Yes, this is quite a drop… but as mentioned above, I haven’t focused on this site in over a year now.

Having Multiple Dedicated Dell Servers to Manage Traffic was a Must.

When was the last time you updated the site?
I’ve been quite busy with many other projects, so realistically, I haven’t touched or updated the site in nearly a year. Meanwhile the site still receives several thousands of visits per day, while also earning several thousands a month. My only maintenance is monthly servers fees, which are much lower than they were back when I was working on the site full time.

How did you make so much profit over costs?
The myspace site I created was a huge viral success. Once a few sites picked it up, the traffic was tremendous, and search engines were sending me a ton of traffic as well. Since I did not have to worry about marketing costs, I could focus on providing content, managing ad space, and making sure the site was always accessible. The main costs in running a site like this (outside of the hundreds of hours of time spent), are server costs. Over $100,000 was spent on shared hosting, buying new Dell servers and hiring a server management team to make sure everything was always running.

What were your advertising and hosting costs?
As mentioned, the site was pretty much all viral. After running the site for several months with no advertising costs, I decided to give Google Adwords a shot. I was able to target towards some pretty cheap traffic, since my Quality Score was super high, and this was a niche market that wasn’t oversaturated (yet) and click prices weren’t insanely high. Marketing through Google Adwords brought in over an additional MILLION clicks. Even after $27,721.89 in adwords cost, the site still had no problems clearing seven-figures. Hosting costs ranged per month from $300 (when first starting out), to up to $10,000 a month, before buying my own Dell servers and hosting myself.

I was able to generate over 1 MILLION clicks using Google Adwords!

What other ad networks did you use on the site?
In my last post, I focused on some of the big earners from the site, which were Yahoo Publisher Network, NeverBlueAds, CasaleMedia and ValueClick Media. Other earners on the site were InterClick (which is another cpm banner network), Miva (which provides screensaver/wallpaper downloads), Google Adsense (generated nearly six-figures in revenue), AuctionAds (I posted multiple times on my earnings with them), WidgetBucks (another new program, which I also posted earnings on)… along with a few other networks. All of these advertisers combined generated over seven-figures in revenue for the site… which clearly covered the hosting costs, making this a seven figure profitable site.

You made a lot with Yahoo, but what about Google Adsense?
Originally I had no expectations for the success of this site. I was providing a service and it exploded quickly. Once the traffic was flowing through the site, it was time to test different ad placements and to see what worked. Luckily, the Yahoo Publisher Program had come out (and accepted my site), just a few weeks after my site went live. I was originally running Google Adsense, then started running Yahoo Publisher Network instead. After comparing numbers, Yahoo was providing much better numbers. I would continually rotate advertisers on the site and see which performed best. While Yahoo earned nearly seven figures alone on the site, Google Adsense accounted for nearly six-figures in revenue as well.

Google Adsense in itself generated almost $100,000 in Extra Revenue.

Would you have sold your site if you had the chance?
The opportunity to sell this cash cow of a web site did come into play around the 7th or 8th month of it’s existence. I wrote a post about this a while ago, which was called “To Sell or Not to Sell“. While I was offered nearly a seven figure package deal for the site (more/less depending on performance), I’m still glad I never accepted their offer. The parent company that was interested, was purchasing up a bunch of Social Networking Resource & Entertainment sites… which they then all turned into crap sites. I also heard that this company screwed many of their “partners” on payments owed from their buyouts.

Why did you wait until now to post your check?
I’ve never been one to look for attention, or brag. The intention of posting my check was not to impress anyone, but to stress to everyone the possibilities before you. Yes, the check was received back in 2006. However, keep in mind… this blog is still less than a year old. I have literally spent the last year debating on whether or not I wanted to be put in the spotlight, if I was to post this check. But I decided to take the risk… my intention is the same as always, I want you to succeed, make money online and live the dream that us affiliates and ppc marketers are living.

Why didn’t you post your resource site in your original post?
The main reason why I didn’t like my resource site in my original post is because this is a blog, and it’s purpose is to keep people coming back and giving them more. A lot of people were leaving comments, asking what my site was. You were not being ignored… you were part of the process. Not only have I released my site information, but also how I promoted the site, my advertisers and actual earnings numbers.

Is this your only big and successful web site?
I’ve been making money online for over 11 years now, since I was 15… and have never had any other job. A one-hit-wonder I am not. Over the years I have adjusted to every market change there has been. I’ve done freebie sites, permission based email marketing, ran my own ad network along with my own network of entertainment sites. Was this site one of my biggest and fastest money makers? Yes! I saw an opportunity here and made the most of it. I am now focusing on several other different niche areas and projects.

Aren’t you worried people will copy your site idea now?
They say being copied is one of the highest forms of flattery… well, when you own a web site, and you’ve been copied… IT SUCKS… but, I’ve been copied plenty of times before. There is still plenty of money to be made in this market, but it’s also plenty saturated! You want to make a resource type site? I say “Go for it!”.

As mentioned before, I’ve been making money online for over a decade now, (since I was 15!) and have some close friends that advise me on what I should post and what I should not post on my blog. There are risks associated with everything. Some have warned me about giving away too much information. However, if I didn’t meet up with these people in the past, that took their time to help me along the way, I wouldn’t be where I am today… I only wish to do the same for you and all of my blog readers. Yes, it may be risky providing the amount of information that I do, taking risks and trying different things is how I got to where I am today. I’m willing to take that risk to benefit my blog readers.

If you had the choice between having $10,000 to build a web site from scratch, or to buy an established web site that is generating $500 a month, which would you choose? The market for buying established web sites has always been hot, but it’s always a tough decision as the auction clock counts down… especially if you get into the high five and six figures sales! The million dollar question is, if you took the time and had the resources, could you build something better, vs. buying a web site, or are you just wasting time?After buying  few established sites over the past several months, I’ve had my fair share of stressful moments and going over the numbers time and time again to make sure I was making the right decision. Through my experience, I’ve broken down my decisions to a few major factors.

Here’s a list of my top reasons why I would rather purchase a solid established web site for 20+ times earnings, then build my own from scratch.

TIME IS WORTH MORE THAN MONEY

We all have great ideas. Unfortunately we get side tracked, have problems executing and get overwhelmed… which leaves most of our ideas on the back burner. Hence, time is more valuable then money. If you are already established and making money online, you may already have the resources and money to purchase a web site, which saves you the time from starting from scratch. If you buy an established web site, the design, infrastructure and establishment is already there.

IMMEDIATE BRANDING, AUTHORITY AND DATA

Depending on the size of the web site you purchase, you may be paying for the branding and authority already associated with a site. One of the biggest problems with starting a web site from scratch, is having to get people to your web site and building a solid presence. This can easily fall into the “time issue”, but is actually a whole set of problems/solutions in itself.

The data from picking up an established site is also a huge benefit. These days every site has a mailing list, a twitter account and a social appearance. While these advantages usually don’t have a dollar figure on them, they definitely do contribute to the growth and exposure of your site. The time itself to build up traffic, collect newsletter subscribers and study these numbers is quite a hefty number.

OUTSOURCE YOUR NEW SITE COMPLETELY

How is your business doing financially? If your numbers are doing great, picking up an established site that is already generating a few hundred/thousand a month in revenue is a good idea. Actually, if it’s a site that you can completely outsource and keep profitable, then it’s a great idea! Web sites that may fall under this category are media/video entertainment sites, blogging and web forums. Even if the cost of outsourcing is 75% of the profit made from the site, you are still earning a potential 25% profit while increasing in size month over month, while not having to manage the site.

PUTTING YOUR EXPERTISE TO GOOD USE

The last and most important factor in deciding to buy an established web site, or create your own… is if you can put your expertise to use. Whether you specialize in affiliate marketing, social media, web design or search marketing… it’s tough to find an established web site that is doing their best on all of these, and that is your advance. Find already profitable web sites, what they are lacking, and most importantly what you can improve upon.

PLACING THAT WINNING BID!

In the end, it all comes down to a few deciding factors on whether or not you are going to be the TOP BIDDER when that auction clock counts down. (I hate that 4 hour extension on Flippa!) In realistic terms, it might come down to the size of your wallet, but if that’s not the case… then it’s the following. Do your research and make sure the site is legit. Think really hard if this is a site/niche that you want to dive into. If you’re going to drop a few thousand or more on a site, make sure you are ready to take it to the next level… or you may find yourself putting out a fire, losing money and cost yourself even more time than before you picked this site up.

WHERE TO BUY & SELL WEB SITES?

There is a huge demand for the buying and selling of web sites, but also a big lack of competition. So where is the best place to buy and sell web sites? Right now Flippa.com (formerly SitePoint) is leading the way… and by a mile I may add. Since their launch, Flippa has done over $28 million in web site sales. Where is all of the competition for Flippa? Sure, you have sites like ebay.com, that usually have crap sites. Then you have a bunch of “in the mix” sites, that just don’t compete. Right now Flippa is KING.

Earlier in the year I came across a new site called OfferVault, which helped you compare cpa offers across a bunch of affiliate networks. Mark Roth, the owner of the site, recently contacted me and let me know about some of the changes and improvements to the site since then. If you saw the previous site design, you will notice a huge improvement right away. The old design didn’t have much of a color scheme, and I found it a bit confusing on where to signup or access the search area for current members. The new design puts all that confusion to rest and provides much more.What’s new and what’s better?
The original concept for the site was mainly to provide a search database of affiliate offers across networks. Since I last checked out the site, Mark has doubled the size of the networks he lists in his database. The majority of names to choose from, are ones you probably already know Clickbooth, Market Leverage, and Rextopia. I feel the main attraction OfferVault, is there affiliate offer search, but new additions have been added to the site as well.

Live Member Search Tool and Keyword Function
Ever wonder what other people are searching on, or just need some inspiration to get in a niche? A cool feature of OfferVault is the “scrolling search feed” when you are at the “compare offers” page. It doesn’t tell you how others are pushing offer, just what they are searching, but it still may help you find that next niche you were looking for.

Once you come across an offer worth looking at, you can click on the “KW” option next to the offer and it will bring up a listing of relevant keywords. This usually takes around 30 seconds to pull a report together. It’s not just a few keywords, but it shows “keyword groups”, advertiser competition and search volume.

Full Offer Breakdown
Everything is in place on OfferVault for you to find the offer you are looking for. In the past, you could find the offer, but then it was a hassle to see the landing page and you would end up opening new windows, etc. With the platform, once you make a search and find an offer, click it and everything is there for you. A quick offer/network description, payouts and the landing page right on that same page. An excellent looking setup, and big improvement to their site.

The “NEW” OfferVault
As explained, all of the improvements are here to make this a really great resource site, and that’s exactly what it is. The goal of the site is to make it easy for you to find new affiliate offers, at competitive rates, and while offering a bit of resources and training along the web. Over the past few months, OfferVault has also added a weekly webinar series. Once you are a member, they are free to watch and cover everything from PPV traffic, Facebook Advertising and Google Adwords. Some of these videos go well over an hour, and are free to all members.

Here’s the part of the post where I’m supposed to throw out a kicker or trial offer. Fortunately that’s not necessary. OfferVault is FREE! There is no upsell and you gain instant access to their directory. After being a member, and if you decide to join a new network through their site, OfferVault may get a referral commission. With this structure in place, they can offer you a free member.

What has Twitter brought into your life? From a business aspect, it’s opened up worlds and brought us together. However, what is the real value in Twitter for those who aren’t making money online? While I was at BlogWorld in Las Vegas, there was a lot of discussion about raising money through Twitter. This was an excellent concept, just for the fact that you can easily participate and reach millions of people with a single click. Soon, charities may no longer need to waste funds on tv advertising, pamphlets or ad campaigns. If we can get more people to participate and come up with new methods for generating money and helping those in need, the future of raising money just be a “tweet” away.

The “Make a Wish” Foundation has created the Make-a-Wish Tweet-a-Cause and is putting the power of Twitter to work! In a partnership with LeapFish, the Make a Wish foundation is looking to raise $10,000 to send Jacob and his family to Disneyland. Jacob, age 4, has a rare and life-threatening disease that has affected him since birth. Personally, I went to Disneyland once when I was very young, so I don’t remember it that well. What I do remember and know, is that every child, (especially those less fortunate), should have the chance to dream and visit such a place as Disneyland in their lifetime.

So let’s send Jacob to Disneyland!

As mentioned, Make a Wish foundation and LeapFish are combining forces to make this “wish” possible. Every time a user “retweets” the text line below, LeapFish will make a donation of 5 cents to the Make a Wish Foundation until the $10,000 and been raised.

Click HERE or copy / paste the following into your Twitter client:

Just tweeted 2 grant a childs wish! #LeapFish donates to #makeawish foundation for each tweet. http://bit.ly/3KgyQX Please retweet!

The campaign will run from November 16 through November 27, 2009. LeapFish will match each Tweet with 5 cents to a target of $10,000 which will get Jacob and his family to Disneyland.  Click here to view progress chart and donation earnings.

JumpTV (www.JumpTV.com) is the world’s leading broadcaster of television over the Internet. With over 300 channels from 75+ countries, JumpTV delivers its audience news, sports and entertainment content on a real-time basis from all corners of the globe. JumpTV has viewers in over 100 countries who watch channels on JumpTV.com via ordinary Internet connections on their home computers, laptops, Internet-enabled television sets, and 3G mobile phones.

JumpTV allows viewers to remain connected to their homeland by providing an easy way to watch their favorite television networks, sporting events, dramas and movies from anywhere in the world. JumpTV channels are available on a subscription basis and select content is available for free to audiences in the United States. Channels are also available as part of national, regional or lifestyle packages. In addition to offering live streams, JumpTV offers complementary content on a Video on Demand (VoD) and Pay per View (PPV) basis.

It’s usually the last place you visit when you are on a web site or blog, but still… lots of people see your footer. For web site, it’s usually just a few links, contact info and a copyright symbol. For blogs, it’s become a whole new playing field. With fancy custom designs and easy widgets and plugin installs, what you can do with your footer is limitless. SpyreStudios put together a list of “48 Excellent Examples of Blog Post Footer Designs“. Below I will highly a few that I found most impressive.

The UpSell
Once your site visitors are at your footer, there’s a good chance they are going to either click something, or leave your web site / blog…. so why not try and sell them something! Something I’ve seen a lot more of recently, is blogs posting what theme they are using on their blog, then offering others to buy that same theme. Usually, blogs doing this will receive a commission on all referred sign ups. A great example of this can be seen on Chris Brogan and CopyBlogger’s blogs.

Example Footers: Chris Brogan, CopyBlogger

Keep Them Reading Your Site
Another great resource for your blog footer, is to keep the reader interested and let them know about key points or areas of your blog that they may have missed.

Example Footers: UX Booth, Mashable, Search Engine Land

Having Fun with Your Blog Footer
Not all footers need to be an upsell, or a source for driving visitors to different areas of your site. It’s always nice to see blogs get creative and come up with their own designs and layouts for rss, bookmark buttons and subscription forms. I took a liking to the blog designs below.

Example Footers: Spoon Graphics, CSS-Tricks

These are just a few samples, but I know I’ve seen some other great blog footer designs in the past, and just can’t remember the site names. Be sure to take a look at the full list, and leave any other cool blog footer designs in the comments section.

Our credit monitoring service includes a free 3-in-1 Credit Report with information from all 3 national credit bureaus - TransUnion, Equifax and Experian. The report includes your complete, unabridged credit information plus all 3 credit scores.

We call it a merged report because the 3-bureau information is printed side-by-side in an easy to read format that makes it simple to compare reports and spot any errors or inconsistencies.

Since credit bureaus do not share their data with each other, it is important to check your credit and scores at all 3 bureaus to get an accurate picture of your credit records. Most lenders review all 3 credit reports before deciding whether to extend you credit, and they use the average of your scores as a guide.

The 3-in-1 Credit Report is valuable because it lets you see exactly what your lender does. You can use this information to negotiate better rates on credit cards and loans to save money. If your credit is damaged, you’ll like the free credit score analysis which provides excellent tips on how to raise your score.

Once you login and receive your credit report online, you should print a copy and review it carefully, circling any unfamiliar information. Signs of fraud and identity theft include strange addresses and accounts you do not recognize. Follow up on these and any other items by contacting the creditor directly at the telephone number or address listed on the report.

Your 3-in-1 Merged Credit Report includes:

• Personal Information: An overview of your current and previous addresses, current and past employers and spouse’s name.
• Account Summary: Detailed information about your open and closed credit accounts including mortgages, car loans, credit cards, store charges and other loans. This section lists a 7-year payment history, current balance, limits, historic high balances, and date the account was opened. It also includes whether the account is up to date, and current status such as paid, settled or sent to collections. This section is typically the longest.
• Public Records - Lists foreclosures, bankruptcies, liens, divorce settlements and legal judgments against you. In general the less information that is listed here, the better, as these items tend to be viewed negatively by lenders.
• Inquiries - Lists names of all institutions and/or individuals who have requested your credit report in the last two years. You may see places where you have applied for credit, prospective employers or landlords, and current creditors who regularly check your report to make sure nothing has changed and you can still meet your obligations.

In addition to your free 3-in-1 Credit Report, you will also receive:

• 3 Credit Scores - These scores are very important as they determine whether or not you will receive the credit you seek. Many lenders do not scour your credit report; they simply look at your credit score to decide.
• Personalized Score Analysis - Along with your 3-in-1 report you will receive personal tips based on your scores to help you understand and improve your score.
• Credit Monitoring Service - Around the clock monitoring of your credit ensures that all changes to your reports will be reported to you within 24-hours, giving you real-time warnings of any fraud or derogatory notations to your file.