Anytime Anywhere with Cloud ERP

Cloud computing brings your business to your doorstep. You and your team can work remotely. Your business data is accessible to you from anywhere and at any time. Letting you make crucial decisions based on real time data inputs. Be the master of your business. Understand your business and take decisions instantly. Take control. Get Client360 Cloud ERP.

It is a Best Cloud ERP Software that helps you and your staff work remotely using its anytime, anywhere cloud computing. Access your vital business data anytime and anywhere using the internet’s presence and reach. Organisations are changing the way they work in these difficult times. In the drive to become more safe and efficient, many organisations today have encouraged their staff to become remote workers, working from home or client locations. Lifestyle changes mean that by 2025 it’s expected that nearly 70% of staff will work remotely. But remote working doesn’t just mean working from home. Providing staff with online access to your entire business operations makes the difference between winning the next big deal and losing out to your competitor.

The benefits of remote working are many and varied.

Location flexibility: Remote computing allows you unprecedented flexibility to move about and perform computing activities at the same time.

Improved Decision Making: Remote Computing gives you the ability to conduct business at the point of activity by collecting, accessing and evaluating critical business information quickly and accurately.

Increased Productivity: The ability to work from any location with the help of cloud reduces delay in accessing company information and processes when out of the office, increasing productivity of each worker.

Reduced Business Continuity Challenge: Environmental impacts (for example severe weather and pandemic) have little or significantly reduced effect on the business continuity, with workers being able to carry out day-to-day activities from home.

How’s Your Credit? Take Our Credit Check Quiz Now to Find Out

Do you know whether your credit rating is good, bad, or average? While the only way to know for certain is to get a copy of your credit report, you can get a pretty good idea where you stand by taking our credit check quiz. Just keep a running tally of the number of A’s, B’s, and C’s you choose as you go along, and we’ll tell you how you did at the end.

First, the Mini Credit Check Quiz

1. Have you been bankrupt or entered into an individual voluntary arrangement in the past six years, or are you currently being hounded by one or more creditors?

A. Yes. A bankruptcy or IVA stays on your credit for six years, and creditors don’t hound you if you are paying your bills on time. If either of these applies to you, you can skip the quiz. You have bad credit, and you probably already know it.

B. No. Continue on and take the 8-question credit check quiz below.

The Credit Check Quiz

1. How many accounts do you have open?

A. I have a mortgage and one credit card. I prefer not to take on more than I can handle.

B. I have a mortgage, a car payment, and one or two credit cards.

C. I have a mortgage, a car payment, and several credit cards.

2. Do you pay your bills on time?

A. I haven’t had a late payment in years.

B. I always pay the full amount due, but sometimes my payment is a few days late.

C. I frequently pay my payments late. Sometimes I pay less than the amount due or miss a payment completely.

3. How much of your revolving credit are you actually using?

A. I keep the balance on my credit cards below 30% of the limit.

B. I’m using about half of the credit available to me on my credit cards.

C. Most of my credit cards are maxed or close to it.

4. Do you spend more than you earn over the course of a year?

A. I rarely carry a balance on my credit cards. If I can’t afford to pay cash, I certainly can’t afford to pay interest on top of the cost of the item. If I have a car loan, I expect to continue driving the vehicle for at least two years after the loan is repaid.

B. I try to stay within my means, but often find myself buying something on credit that I wouldn’t have purchased without the card.

C. I use my credit cards to buy things I couldn’t otherwise afford. That’s what they’re for, right?

5. Have you gotten a debt consolidation loan, remortgaged your home to pay off your debts or participated in a debt management plan?

A. No.

B. Yes, but I learned my lesson and have changed my spending habits.

C. Yes, and now that my debt payment is smaller I can afford the minimum payments, so I have started using my credit cards again or have gotten a new one.

6. Do you have an emergency fund?

A. I’ve saved up at least six months’ worth of expenses in case of a major emergency, such as a job loss.

B. I have at least £1,000 in a savings account that I don’t touch except in an emergency.

C. I have little or no savings. I find myself scrambling to pay for repairs if the car breaks down.

7. Do you add to your savings regularly?

A. I have weekly or monthly contributions being made automatically to my savings account and my retirement fund.

B. I am regularly funding either my savings or my retirement, but not both.

C. I am not funding my retirement or savings account on a regular basis.

8. How often do you check your credit report?

A. I subscribe to a service that sends me alerts at least monthly if my credit rating drops.

B. I check my credit report at least once per year.

C. It has been more than a year since I last saw my credit report.

How Did You Do?

If you have mostly A’s, you are a good saver who tries to use credit sparingly and responsibly. You probably have good credit.

If you have mostly B’s, you are on a slippery slope. You’re probably keeping up with your payments for now, at least most of the time, but you are spending more than you should, at least occasionally. If your circumstances change for the worse, you could find yourself in trouble very quickly. Your credit rating is likely average.

If you have C’s, you are struggling to keep up with your debt repayments and sometimes failing. You have bad credit and should consider making an appointment for debt counselling with a non-profit debt management organisation.

Tips to Repair Your Credit

Financial professionals in the UK commonly recommend that consumers review their credit report periodically. Because of the ease with which you can obtain your credit report online, reviewing information in your credit file is a simple process. Of course, though, keeping track of credit report information does not necessarily equate to having a healthy credit score. If your score is lower than you would like it to be, you will need to develop a strategic plan to improve your creditworthiness. Although improving your score won’t happen overnight, you will likely see gradual improvement that will increase your ability to qualify for loans and credit cards.

Take note of derogatory information. If you make a credit payment after its due date, this information will be recorded in your credit file. Similarly, you will incur negative entries if a creditor closes an account because of poor payment history. Other types of entries, such as bankruptcies and judgments, can also severely impact your creditworthiness.

You will not likely be able to have a legitimate negative entry removed from your credit file. Still, it is important to establish a baseline you can work from. As negative entries age, they will have a less dramatic impact on your credit score. For example, if you missed a credit card payment last month, your score might drop by 100 points or more. A missed payment entry that is three years old, conversely, will probably not reduce your score by more than 10 points.

Look for information recorded in error. Erroneous information can artificially lower your credit score and prevent you from obtaining loans or other forms of credit. For example, suppose that you paid off a credit card balance two years ago but the account is listed as in default. You would still suffer the financial consequences of the erroneous entry even though you paid the account in full.

If you discover erroneous information, file a dispute with each credit bureau that includes the error in its files. You can find instructions for disputing an entry on each bureau’s website. After receiving the dispute, the bureau will investigate your claim and remove the error if appropriate. You can increase your chances of a successful dispute by including supporting documents with your dispute request. Using the example above, you could include an account statement showing that the account balance was paid in full and a bank statement showing the payment to the account.

Leave your credit cards at home. Your credit account balances significantly affect your creditworthiness, particularly if your balances are high in relation to your available credit limits. Continuing to use your cards will make it difficult to pay down your balances and improve your credit score. Instead of using credit cards for everyday or discretionary purchases, you can use a debit card that withdraws funds for purchases from your bank account. If you do not have the funds available for a discretionary purchase, you will simply need to delay the purchase until you can afford it without tapping into your available credit. Leaving your credit cards at home can go a long way toward helping you re-establish a high credit score.

Close unused accounts. When you pay off a credit card or line of credit, you might be tempted to leave the account open for additional purchases or financial emergencies. It is important to remember, though, that open credit lines can negatively impact your score. Potential lenders might assume that you will use open credit lines and might be unable to make your payments in the future. Ideally, you should have no more than one or two unsecured credit lines open at any given time.

Improving your credit score requires patience and discipline. You will need to develop a strategic plan in order to reverse any damage you have caused to your creditworthiness. Also, you can expect your credit score to take years to recover, particularly if you carry high unsecured debt balances. A financial adviser or debt management professional might be able to help you develop a plan to improve your score without straining your personal budget. Of course, periodically obtaining your credit report online will also help keep you motivated by showing you the progress you have made.