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Money & Market

Understanding Credit Score API



Web APIs are one of the most effective tools in the modern world, but they’re often misunderstood. Fundamentally, the application programming interface performs a very simple function: drawing information from a server-side database and simply displaying that information on a user-end interface. But functional APIs can offer a whole lot more information than a raw data dump. 

Modern APIs tend to come with a variety of different filtering options, slick interfaces, and relatively easy integration that allows developers to set up an incredibly effective and largely self-maintaining tool. CRP’s Credit Score API takes the fundamentals of an API and applies them to personal credit data. That makes it a natural choice for landlords and lenders, but it can be beneficial to a surprisingly broad amount of businesses. Here’s how Credit Score API works.

Drawing From All the Bureaus

When you decide to file for a credit report, there are three big credit reporting agencies to choose from: Equifax, TransUnion, and Experian. Each of those brands offers their own APIs, but each agency has plenty of blind spots. Because these different companies have different connections and policies – and since they’re not inclined to share that information with the competition – you can often only get the whole picture by getting reports from all three agencies.

That means having to manage three separate APIs if you use these first-party solutions. CRP draws information from all three services, but it offers flexibility in how you decide to file for reports. You can pick and choose the bureaus you draw from or get all three at once. And no matter what path you take, the API can process your request fully and return you comprehensive results in a matter of seconds.

Records That Go Beyond Credit

Credit only tells one part of the whole story. While the main focus of CRP’s API is obviously credit, they also draw from LexisNexis’ extensive databases to draw from public records and reports that can offer a whole range of new dimensions. That means you can dig deeper into the criminal and arrest records of anyone you’re screening to help keep your tenants or your employees safe. Records include both watchlists and national criminal records, and that extends to outstanding warrants.

There’s also plenty of information on home ownership issues. Whether you’re looking for outstanding liens, property ownership records, or flood compliance reports, you can get all that data through CRP’s API. This information can help fill in the gaps that credit reports don’t cover and offer added context that goes well beyond outstanding credit card debt.

An Orderly Approach Built to Scale

Whether you’re simply looking to rent out a handful of small apartments or you’re in charge of hiring for a national company, the Credit API can scale admirably to your needs. The very quick turnaround makes it suitable for handling huge amounts of data, but the bespoke, software-as-a-service approach to the API lets you customize a plan that’s scaled to your practical needs and fiscal demands.
That sense of orderly flexibility extends to the features available here as well. Thirty different templates are available out of the box, and all of them can be customized to suit the needs of a particular business. And since this API is built to be as responsive as possible, it can be simply deployed as a couple of lines of code in your website or integrated tightly into your complex in-house app. The breadth and the depth makes the credit report API one of the most cost-effective tools for running credit and background checks.

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Money & Market

Ways to Send Nairas to Nigeria



There are many very good possibilities for internet currency exchange, based on the way the person you’re sending cash to wants to find access for their own nairas. We can provide you exchange rate of dollar to naira.

Nairas to a Bank Account

If you would like to send cash to a bank account in Nigeria, we advocate employing a specialist currency provider. If you are moving under $300 or equal, your best choices comprise WorldRemit, TransferWise, Xoom or MoneyGram.

More Than $300 in Nairas to a Bank

If you are sending over $300, we advocate WorldRemit, TransferWise, Xoom or MoneyGram.

Banks that You Can Transfer Nairas

You can normally arrange to ship nairas to some of these banks: accessibility bank, Diamond Bank, Ecobank, Keystone Bank, Union Bank and a Lot More.

Cash Pick-Up Locations in Nigeria

Some of those banks are also popular places for picking up nairas which you’ve transferred. Xoom has countless local Bank, money agent and partner places where you could conserve money in Nigeria.

How much will it cost?

Exchange rates – The greater the foreign exchange rate, the greater Nigerian naira (NGN) you receive from the bank accounts in Nigeria. Money transfer services offering better exchange rates will often charge you a distinct transfer fee.

Transfer fees – $0 to $5.  Some online transport businesses offer you fee-free transfers for sending considerable quantities of money.  These firms usually charge a marginally worse margin in their market rate, but are better than bank charges. 

Hidden fees – The person you’re sending cash also will frequently get billed a lender getting banks or fee intermediary fee of about $25 each.

How long does it take?

Services can take 0 – 3 business days, when utilizing a cash transfer service such as TransferWise, they have a tendency to estimate transfer time in hours not days.Unlike banks, they keep you updated about the motion of your own funds.  Including the estimated arrival time of your capital to the account you are sending money to.

Remittance Companies can take 0 – 5 business days

An instantaneous transfer can be obtained with remittance companies should you pay a greater transport fee and the individual can collect in money. Instead you can send money using cash on your bank account to a different bank account and it might take up to five business days.

Bank Transfer up to 5 business days

Also called wire or ”telegraphic transfer’. These transfers are slow, since the money may undergo a network of correspondent banks prior to landing into the accounts in Nigeria. The time it takes will even change based upon the lender getting the cash.  Additionally, it is your choice to assess whether the person who you sent cash has obtained it.

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Money & Market

What is more important for SEO? Content or Backlinks?




Are you an aspiring search engine optimization SEO professional looking to advance your career? You must be wondering what is more important in digital marketing, content development, or backlinks. This post will help you to discover which one is important and why you should hire an SEO company in Pakistan that can tell the difference and importance of both backlinks and content development. We believe this is a great question to ask that every business owner and SEO professional must know. The answer is also very easy, let us explain in detail. 

Always Start with the Content 

So when you have to choose between making backlinks or developing content, the expert advisor and SEO professional of Pakistan’s top SEO agency Rizwan Zahid says that” content is for your customers, however, backlinks are for your own marketing needs. Content helps your users to get more engagement with your website and brings more impressions and likes. Therefore, if your website does not have content, then there is no point in creating backlinks to a blank page”. 

This shows that you should be focused on getting results from your users in terms of content, and then you can always focus on the backlinks strategy if users are already engaged with your website. Moreover, Pakistan’s top SEO company IT Height’s director also reveals that “content is always important to link people together via the website. I always think that content is more important than the backlinks because a person needs a good reason first to be able to link to your website”. 

Naturally, when you create more natural content and resources for the users to engage with your pages, you can share more data and accomplish specific goals with your content. It is the content that often creates a reason for the link and also helps make everything on your site look useful. 

Moreover, the importance of Content can never be underestimated because content defines the topic of your page and discusses the solutions you provide to the customers for solving their problems. On the other hand, backlinks vs. content does not define the topic of the page, neighed it can be used in the header tags and Meta descriptions or internal links. 

You Must have a Mix or Backlinks 

When it comes to backlinks strategy, the SEO expert from Elink Solution Rizwan Zahid is always in the favor of creating backlinks, however according to his statement, “you must include a mix of backlinks such as keyword rich backlinks, citations, do-follow backlinks, no-follow links, and more. These are the links that happen naturally. Just like content help with site structure and its credibility, link building is also important and creates your content through internal linking. Therefore, a latest post by SEJ Search Engine Journal states that “by building a natural internal linking structure you’re trying to guide people to resources and purchasing options from useful content like comparison guides”.

Content is Necessary to Define a Well-Structured Website 

Content helps the website professionals by building a website structure and helps to attract both visitors and clients. Moreover, when there is optimized content on the website, the search engines and spiders can also discover the content in a more appropriate manner, this way, people will be able to search your content with appropriate keywords and topics. 

Backlinks Create Value for Search Engine Optimization SEO

According to a Moz post, as the name suggests, a backlink is always created to form a link between different websites. Backlinks are most crucial for SEO because they often help to receive a vote of confidence from another website and help to boost the ranking of your own website. In essence, when your website has quality backlinks, they always provide a signal to the search engines that other websites value the content of your website and they wish to link to yours. 

This implies if you get backlinks from many other sites, this sends a positive message to Google and other search engines that your website has a content that is worth linking to. Therefore, always use backlinks after you create content. 

The Conclusion or Summary 

The summary or bottom line of the above discussion is that for ranking your website on the search engines, both backlinks and content play a major role to boost SEO efforts. However, backlinks have their own viability; they play a crucial role in boosting the rankings of your website. However, the content of the website works across all channels from SEO to PPC, media coverage, and referral traffic. Good content can also provide your SEO team with more backlinks; however, when deciding to choose between the two things at the beginning of the SEO process, the experts in the best Pakistani digital marketing companies suggest that content always comes first compared to backlinks.

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Money & Market

What is Stock List? Getting To Know Popular Stock Exchanges



What is Stock List

To grow your wealth, investing is stock is quite interesting way to do. But finding the shares and markets where you can invest in is a little hard. Learning the working structure of trading wisely and with patience can return you a handsome amount of income. According to a research published on Forbes, all 400 wealthiest persons own a large amount of shares in public and private corporations.

Investing in stock market is a straightforward process only if you have learned its working. After doing proper research, if you get the right share to invest in, it ends up with a lot of money in your account. I know it sounds easy but you have to do proper research about the stock you are about to purchase. In this article, I’ll share the popular stock exchanges from where you can buy the shares and can do research by analyzing the market.

What are Stocks & Stock List?

Stocks are the investments that give you a legal ownership in any company. By buying a share you become part-owner of that company. Corporate and companies issue shares in the market to raise the money. People buy them and get the ownership of that particular share of the company.

A Stock list as it name sounds is a list of stocks that are available in the exchange market. Each exchange market has their own list from which a investor can choose to invest in a company. The list is categorized by market capitalization which indicates the value of the company’s shares.

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From this it is clear that the companies with highest value are at the top of the list and medium companies are next to them and then the small ones. To calculate the market capitalization consider the steps below.


A company has 1 million outstanding shares and each share worth $25, the market capitalization of that company will be $25 million. The market cap is very important to consider as it will tell you how strong the company is and should you invest in or not.

The companies are categorized upon the market cap size as:

  • Small-cap: $300 million to $2 billion
  • Mip-cap: $2 billion to $10 billion
  • Large-cap: $10 billion to maximum

Popular Stock Exchanges for Stock List

Stock list are useful as they give you valuable information of the stocks available in different exchanges. Instead of looking directly on the exchange platforms, its better to check differnt stock exchanges’ share list that will quickly give you details on large-cap, mid-cap, and small-cap. It will help you to understand where to trade. For example, if you are looking for US stock price, you can found it on US Avanza stock list, NYSE, and NASDAQ USA stock list.

Below are some popular stock exchanges that you can trust on for stock list and trading:

  • New York Stock Exchange (NYSE)
  • Nasdaq Nordic
  • London Stock Exchange
  • Nasdaq First North
  • Nasdaq OMX
  • NGM Equity
  • NGM Nordic MTF
  • X-terna Listan

Above are some world famous stock exchange markets that have their own share list. I recommend you to first do some research and learn about stocks and exchanges then invest in any trade you like.

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Money & Market

Cryptocurrency Industry in 2021?



2020 has experienced a steady increase to attain new all-time highs, breaking $20,000 each BTC, but it wasn’t always so stable. To get a feeling of just how bothering the market was, only visit 2018: Moving into 2018, Bitcoin traded for near $13,500 after attaining an all-time high $19,783.06 at December of 2017. It then dropped as low as $3,400, a reduction of roughly three-quarters of its worth –and other electronic currencies were not faring much better in the time.   Cryptocurrencies enjoy Bitcoin and Ethereum have really proven resilient.  Investor curiosity, both institutional and retail, in electronic monies has risen dramatically lately. However there are still reasons to think that the cryptocurrency business has some fight inside abandoned. Investors are asking: how high digital coins can fly? And Bitcoin really has climbed back to all-time highs at December 2020, reaching $23,625 and Ethereum to almost $700. Now, looking to the end of 2020 to 2021, the better question may be how this space will accommodate so as to survive.

Institutional Investors Get in the Game

Although trade amounts for individual investors are in many cases, associations are rising on board at a substantial way for the very first time. Institutional investors allow for substantially larger trading volumes compared to many individual investors, which means that if fewer trading spouses are transacting from the electronic money space, the business can still maintain itself. There are numerous possible developments suggested to happen in 2020 and 2021 which may significantly impact institutional involvement in the electronic currency market. If crypto is floated on the Nasdaq or some similar trade, by way of instance, it will instantly receive a boost in standing –and probably, worth.

The Elusive Bitcoin ETF

For years, crypto fans have pined for a digital money ETF readily available to mainstream investors at the U.S. The U.S. Securities and Exchange Commission (SEC) has rejected or postponed Bitcoin ETF applications to be determined upon in a future date. Among the very talked-about funds, by provider VanEck, has witnessed its final acceptance decision pushed back again and again.Some analysts think that the acceptance of some mainstream Bitcoin ETF could provide a substantial jolt to the electronic money world, opening the business to investors keen to participate without a few of the dangers related to buying and selling slogans right. As of this moment, however, the future of VanEck’s fund remains to be seen.

Stablecoins Take the Lead

Stablecoins are electronic tokens which are pegged to a fiat currency that behave as hedging mechanisms against the prospective decrease of inherent cryptocurrency security prices–they might only be the business’s greatest hope entering 2021.Stablecoins may see growth next season for 2 reasons: one, a consequence of the long-term instability of non-centralized tokens; and 2, the present leader at the stablecoin business, tether, is positioned to be dethroned.As one of the first stablecoins to accomplish the mainstream, Tether (USDT) has endured several highly publicized growing pains while the sub-industry developed. Additional stablecoins have entered the area, aiming to wrench its dominance away.

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Money & Market

Bitcoin Work and Services Provided in 2021



Established in 2009, Bitcoin was the first another class of resource called the cryptographic money, a decentralized type of computerized money that takes out the requirement for monetary exchanges from ordinary middle people, for example, banks and governments. Since they do not have any banks or private sectors, Bitcoin is a simple way to make transactions. Money that is earned from sales and transactions are kept in a digital wallet. This app is available on phones and devices and is known as a digital wallet. This article explores the function of Bitcoin, which will be a valuable guide for new users. For more information you can visit the online trading platform like this software

What is a Bitcoin Working Mechanism?

Bitcoin Address

To begin with Bitcoin, the first step is to install the Bitcoin Wallet on your smartphone or device. Then a Bitcoin address will be created, which can be used by your friends to transact Bitcoins to your account.


A public ledger, where all Bitcoin verified transactions are registered, is the blockchain. It helps Bitcoin wallets to measure their spent coins so that new transactions can be checked so that the paying entity is in possession of them.

Private Keys

The transferring of bitcoin values which are documented in blockchain among wallets are known as bitcoin transactions. To ensure the legitimacy of bitcoin that has come from another person, some conditions are verified through signatures. The main advantage of this signature is that once the wallet transaction is signed by the owner, that cannot be changed or replaced by someone. This wallet transaction is transmitted via the mining process and validated within 10-20 minutes of the initiation of the transaction.


Mining is a distributed agreement scheme that, by adding them to the blockchain, confirms waiting for transactions. In the blockchain, the sequential order is kept along with preserving the network’s nonaligned status and having another device comply with the same agreement. The transactions are packed within blocks that conform to strict cryptographic rules to validate a transaction. The blocks can never be adjusted by this method because if anyone wants to alter the block, the other blocks that follow will be altered. The blocks added are never reversible in the blockchain, so the owner or some other entity can never alter the blocks in the future.

Services Provided by Bitcoin

Mentioned below are services provided by bitcoin:

  • Bitcoin Exchange

You can securely buy, sell, and arrange your cryptographic folder to start your trading system with these services.

  • Casino

You can start playing casino games provided by Bitcoins with the service.

  • Local

Local Bitcoin Cash service helps in getting the best margins for every transaction.

  • Spend Bitcoin

With Bitcoin currency, the business sectors that offer Bitcoin transactions would be simple to recognize.

  • Bitcoin for Beginners

This service will direct beginners and new clients on how to use Bitcoin wallets and create a Bitcoin address.

  • Bitcoin for Business

With a borderless Bitcoin usefulness, by tolerating Bitcoin exchanges from customers who lean toward Bitcoins, the organization will have the option to accomplish first rate.

More about Bitcoins

⦁          With 9k Bitcoins ATMs around the world, Bitcoins are used globally. The US is the first country to use bitcoin.

⦁          Bitcoins are sold at very cheap rates in Venezuela.

⦁          It is possible to buy Bitcoins via the ZebPay exchange in India. By establishing a bank account on ZebPay, bitcoins can be exchanged.

⦁          Among all digital forms of money, Litecoin (LTC), Ethereum (ETH), (NEO), Bitcoins (BTC) offer different qualities and administrations that render Bitcoin exchanges conveniently and safely.

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