4 Simple Ways to Boost Credit Rating after Getting a No Credit Mobile Phone

10/18/2016 admin 0

Getting a phone contract with bad credit can be an uphill task. Many phone companies operate with the main target of optimizing profits. Clients applying for contracts with poor credit are considered risky parties and phone companies do not want to work with them. However, you can still get no credit check mobile phones using the following ways;

  • Selecting a cheaper phone
  • Settling for a SIM-only phone
  • Raising some deposit
  • Liaising with the phone company directly

Once you have gotten the phone of choice, your attention should shift to raising your credit score as fast as possible. While many people express the difficulty of improving their credit rating, it does not have to be that way.

The following are four simple ways of boosting your credit score

  • Correct your credit score report

Financial institutions and phone companies use credit agency reports to know your credit score. Because the credit report is prepared by agencies, there is a risk of errors because they are third parties. They gather reports from banks, insurance, mortgage, and other institutions to get data to calculate your score. Therefore, if one of the parties such as a bank or a mortgage company delays or gives incorrect information, the report will reflect incorrect credit scores. Accordingly, you should get the credit report and correct all errors.

  • Borrow small personal loans

One of the major factors that contribute to your credit score is how you clear debts. To get more points from this, consider borrowing small personal loans and repaying them as fast as possible. If you can raise some deposit, some banks can even allow you to borrow from your own account.

  • Pay off your debts

Outstanding debts pull your credit score down with a very great margin and must be reduced and cleared as fast as possible. One of the best methods of paying off your debts is reviewing them to know the least amount that can be paid on each of them. Then, commit the overhead amount to clearing the debt that has the smallest balance. Within a very short period, the small loans will be cleared completely as you continue paying others.

  • Avoid being a victim of credit card fraud

Credit scores can nose-dive if thieves steal your identity and create new accounts running up huge debt in your name. To prevent this, it is important to review credit card reports every month to check for errors and raise an alert in case of suspicious activities. You should also set a hard-to-crack passwords, keep them safe, and avoid sharing on social media or SMS.

  • Maintain bank accounts and credit cards in your name

For spouse using partner’s names, learners using parents’ money or group members without personal accounts, building a good credit history can be difficult. It is important to open and run personal accounts with your name and details. Accounts with monthly bills and utilities will help to build a positive history over time.


Last but not least, if you want to understand the benefits you get from applying for a bad credit mobile phone or the different deals at your disposal, visit for all the comprehensive information you need.



Why Sony Xperia Z3 plus is the best for seniors

09/30/2016 admin 0

When you set out shopping for a phone for seniors, the process can be very challenging. While simplicity is the bottom-line, I came to appreciate the need for customization that is only possible with the latest models. After trying four different smartphones when looking for a perfect phone for my dad, Sony Xperia Z3 Plus stood out above them all. Here is my story and how it has made my life with dad easier though I stay in London, 262 kilometres from him in Manchester.

Easy to customize Xperia Z3 Plus large buttons

As my dad keeps growing older, his eyesight has suffered more compared to other parts of the body. I set the smartphone to feature only larger buttons so that he can easily see and use them. Though this is very important for the ‘call’ and ‘end call’ buttons, I set the phone to display everything in larger numbers for easier use. Unlike in the past when he used to confuse most of the numbers, the problem has been resolved completely.

Easy monitoring at all times

Though my dad insists that he can take care of himself, his memory is fading fast and I have to monitor him regularly. In addition to the house sitter, the Xperia Z3 Plus has a very strong GPS that makes it easy to monitor his movement. To make monitoring even easier, I installed monitoring software on the phone to be able to use geo-fencing technology. I have designated the home and neighbouring church as safe zones and all others as unsafe. Every time my dad gets out of the safe zone, his phone sends an alert to me all the way in London. It is because of this that I had to get a phone with a good internet connection and Xperia Z3 Plus has not disappointed in this regard.

Images for numbers in the contact and call list

For my dad, identifying images is easier compared to numbers. Before I got the Xperia Z3 Plus, he kept complaining of being unable to get numbers on the contact list. However, I set the phone to display large images together with numbers he calls often. For example, the numbers of my sister, younger brother, uncle, and other people he recognizes using these images. This has made it easy for him when making a call or to know who is calling.


Clear loud sound

The same way that my dad’s eyesight has been fading with time, so is his hearing. I have set the Xperia Z3 Plus call tone with his favourite gospel song that he keeps whistling, even at midnight. In addition to this, the sound from the phone’s stereo speakers is free from noise and he easily recognizes the voice of the caller. I no longer have to introduce myself when calling because he can recognize my voice.

Sony Xperia Z3 Plus has a very long battery life

One thing I was very particular about when looking for my dad’s phone is the strength of the battery. I wanted a phone that could stay on for several days in case he forgets to charge it. In fact, many are the times I call in the evening to remind him to plug the phone into the mains. Because he is rarely playing music or downloading items online, the phone is idle in his pocket and takes about 3 days before dying off. The Sony Xperia Z3 Plus has provided the peace of mind that allows me to feel like I am with dad at all times. I can easily tell where he is, make calls, and let him feel the love of a caring son even though I am miles away.


Is Your Partner Spying On You Using Modern Apps? What You Need To Know

09/30/2016 admin 0

When the Daily Mail reported the story of the intensive use of spy apps in India, many people here in the UK took notice. Modern software has made bugging easy and gives the user complete access to their partner’s phones and even allows eavesdropping of calls on real-time.


Many spy on their partners secretly though laws criminalize it

In India, using spy apps is easy because the country is devoid of a proper legal framework. However, though the UK has a clear legislation that criminalizes eavesdropping calls or accessing other people’s phones without their knowledge, modern apps makes it easy to break that law without being caught.

These spy apps are very small and can be downloaded using the target phone in less than 5 minutes. In some cases, the spy software can be installed without having to jailbreak a phone. Once installed, the apps hide in the phone system and are rarely detected. For as long as the phone is on, the spying software makes it easy to listen to calls and see all messages.

As far as the spying partner does not raise suspicion, it will be very difficult to detect the software. Therefore, the spouse listens to your calls with an ex-boyfriend, ex-girlfriend, or other friends to substantiate their suspicions. To avoid being caught, many people use the spy information to form the basis for investigations without revealing they ever spied.

How spy apps gather information from your smartphone

The spy apps are designed to run on most smartphones the way Trojan horses operate. Once installed on a target phone, the spying partner is required to open an online account where he/she can monitor all info on the phone.

  • Direct eavesdropping: Every call will be listened to in real-time. Besides, some apps record the conversation.
  • Messages: All the messages you send or receive will be accessed remotely. The apps even get the messages that you have already deleted from the list.
  • Access to your social media accounts and all communications: The app grabs your login details, captures all communications, and even allows the user privilege to block some profiles.
  • Access to your stored data: The photos, videos, and documents you have stored on the phone will also be accessed, copied, stolen, or even destroyed.
  • Using GPS technology, the spy apps can easily pinpoint where you are in real-time and even activate the microphone to record the surrounding noises.


What is the solution? Is there a way out?

The solution to addressing the problem is trying to understand how spy software works. By learning about the apps, it is easy to check at the phone behaviour. Remember that many people become paranoid when they think someone is spying on them. To know if someone is spying on you, look for a change of phone behaviour such as faster battery drain, strange background noises, random shutdown, blocking of numbers, heavy data use, and closing of social media profiles.

If you strongly suspect that the phone is being spied, it is still very difficult to prove it. The best thing to do is removing the software. Backup all your data and restore factory settings. This will clear all data and leave the phone the same way it was when new. You can also update your software which clears all applications.


Five Tips for Keeping Your Smartphone at Top Performance

09/29/2016 admin 0

Many people buy smartphones for two main purposes, sense of style and performance. Using a smartphone, you can download and listen to music, connect with friends on social media, make photos and edit them, and prepare presentations. Besides, some smartphones like the Nokia Lumia can be turned into a computer by connecting to a smart TV or LECD monitor. Because of these diverse applications, the poor performance of a smartphone can be very troublesome. However, you can keep your smartphone in top condition using the following 5 tips.

  • Keep the battery fully charged and avoid very high temperatures

Many smartphone batteries will last longer if they are kept charged and free from high temperatures. By keeping the battery fully charged, the cells stay active and will last between 2-4 years. Besides, you should avoid keeping the phone at very high temperatures because the cells easily get damaged. For example, avoid placing the phone on oven tops at home, industry boilers, and house heaters.

  • Close all unused applications and uninstall the ones you do not need

Unlike a common desktop or laptop, a smartphones processing capacity is smaller. Accordingly, the smartphone can become very slow if a lot of applications are running at the same time. For example, if you had installed conversion software for converting music and no longer need it, the best thing is uninstalling completely. It is prudent to identify the apps you do not use and close or uninstall them. Use special software such as a task killer app that works like the desktop task manager to see and close some applications.

  • Regularly update the operating system

Your smartphone is like a small handheld computer. Just like the computer requires regular software updates, you also need to update the smartphone operating system. Whether you are running on Android, iOS or Windows, make sure to get updates to keep the phone at top performance at all times. By updating the system, you are sure of being protected from regular malware attacks and repairing corrupted or damaged files. Updating the file will also help to clear unwanted apps that run without your notice in the phone background.

  • Restore factory settings once in a while

Restoring factory settings means getting the phone to the same status it was in when bought. This clears all the apps, stored data, files, and other additional details so that it works just like when it was new. This action should only be carried out when the phone becomes cloggy, excessively slow, or you suspect someone has installed a bug.

  • Clear the browser cache

When you surf the web, the browser maintains a cache folder that can build up over time and cause clogging and drops in performance. The cache is also an easy target for intruders targeting your phone. After some time, make sure to clear all the cache so that the browser is faster and more effective. You can also set the browser to clear the cache automatically.