#List of companies using LexisNexis | Explore Tumblr posts and blogs

cumulations · 2 years ago

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Resonance Calendar for 2023-03-06

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What got my attention last week?

Data Industry & Economics

Ben Lorica and Kenn So have followed up their first annual list of data and AI ‘pegacorns’ (startups that have at least $100M in annual revenue) with a second edition. Their analysis, in the closing thoughts, are worth considering carefully:

New pegacorn companies continue to emerge, many of which operate in the application layer. This trend is not surprising, as the application layer offers a wider range of personas to target, including function, industry, and geography, compared to the infrastructure layer. The pain point at the infrastructure level tends to be similar across companies, leading to a concentration of larger vendors.

The proliferation of foundation models also opens up opportunities

…

The emergence of new pegacorn companies brings with it both risks and opportunities. One key risk is the increasing commoditization of products as a result of the availability of pre-trained models and open-source tools. This makes it easy to create similar products with simple user interfaces. To overcome this, companies must differentiate themselves by offering a deeper product suite tailored to specific personas or even specific users. On the other hand, the proliferation of foundation models and decentralized custom models open up opportunities for tooling companies to provide solutions for building, fine-tuning, and optimizing models, as seen in projects like LangChain and GPT Index.

Insights from New Data and AI Pegacorns - Gradient Flow

Policy

A theme that received a great deal of my attention last week was the state of data brokerage, including the most important actors, the regulatory governance that is in place, its effectiveness and what’s missing. While I noted the publication of Data Cartels: The Companies That Control and Monopoiize Our Infomration when it was published by Stanford University Press in November 2022, it was a piece in Wired by Dell Cameron that motivated me to spend a good part of my weekend with the book by Sarah Lamdan, of CUNY School of Law. Extensively footnoted, with thoroughness and references that belie her background in Library & Information Management.

This book not only resonates with me, it’s been setting off all sorts of alarm bells. This is definitely worth your time and attention if you are engaged, as I am, in various aspects of data engineering, data science and the industry of data and information.

An abstract from the first chapter: The Data Cartels: An Overview

Data analytics companies are a relatively new type of information firm, the result of mass consolidation across information markets and a proliferation of data analysis technologies. We think of companies like RELX (Reed Elsevier LexisNexis) and Thomson Reuters as publishers, but they’ve made a transition away from being traditional content providers. Instead, they’re crunching their warehouses of digital content through AI software, machine-learning technology, complex algorithms, and other types of data analytics systems to form new information products to sell. They’ve taken over multiple information markets, and they use their informational power to build “risk” and “insight” products that provide predictive and prescriptive information to law enforcement, lawyers, academic institutions, investors, and other entities that make big decisions about our lives. In an era of informational capitalism, they’re engaging in anticompetitive, cartel-like behavior to maintain and expand their control of data and information markets.

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koreaunderground · 4 years ago

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(2021/04/02) LexisNexis to Provide Giant Database of Personal Information to ICE

[theintercept.com][1]

[1]: <https://theintercept.com/2021/04/02/ice-database-surveillance-lexisnexis/>

# LexisNexis to Provide Giant Database of Personal Information to ICE

Sam Biddle[email protected]theintercept.com@samfbiddle

10-13 minutes

* * *

_The popular legal research_ and data brokerage firm LexisNexis signed a $16.8 million contract to sell information to U.S. Immigration and Customs Enforcement, according to documents shared with The Intercept. The deal is already drawing fire from critics and comes less than two years after the company downplayed its ties to ICE, claiming it was “not working with them to build data infrastructure to assist their efforts.”

Though LexisNexis is perhaps best known for its role as a powerful scholarly and legal research tool, the company also caters to the immensely lucrative “risk” industry, providing, it says, 10,000 different data points on hundreds of millions of people to companies like financial institutions and insurance companies who want to, say, flag individuals with a history of fraud. LexisNexis Risk Solutions is also [marketed to law enforcement agencies][2], offering “advanced analytics to generate quality investigative leads, produce actionable intelligence and drive informed decisions” — in other words, to find and arrest people.

[2]: <https://risk.lexisnexis.com/law-enforcement-and-public-safety/crime-and-criminal-investigations>

The LexisNexis ICE deal appears to be providing a replacement for CLEAR, a risk industry service operated by Thomson Reuters that [has been crucial][3] to ICE’s deportation efforts. In February, the Washington Post [noted][4] that the CLEAR contract was expiring and that it was “unclear whether the Biden administration will renew the deal or award a new contract.”

[3]: <https://www.nytimes.com/2019/10/02/magazine/ice-surveillance-deportation.html?login=email&auth=login-email> [4]: <https://www.washingtonpost.com/technology/2021/02/26/ice-private-utility-data/>

LexisNexis’s February 25 ICE contract was shared with The Intercept by Mijente, a Latinx advocacy organization that has [criticized links between ICE and tech companies][5] it says are profiting from human rights abuses, including LexisNexis and Thomson Reuters. The contract shows LexisNexis will provide Homeland Security investigators access to billions of different records containing personal data aggregated from a wide array of public and private sources, including credit history, bankruptcy records, license plate images, and cellular subscriber information. The company will also provide analytical tools that can help police connect these vast stores of data to the right person.

[5]: <https://theintercept.com/2019/11/14/ice-lexisnexis-thomson-reuters-database/>

Though the contract is light on details, other ICE documents suggest how the LexisNexis database will be put to use. A [notice][6] posted before the contract was awarded asked for a database that could “assist the ICE mission of conducting criminal investigations” and come with “a robust analytical research tool for … in-depth exploration of persons of interest and vehicles,” including what it called a “License Plate Reader Subscription.”

[6]: <https://beta.sam.gov/opp/dd2901df29274e49921fdc232bb18d8d/view#general>

LexisNexis Risk Solutions spokesperson Jennifer Richman declined to say exactly what categories of data the company would provide ICE under the new contract, or what policies, if any, will govern how agency agency uses it, but said, “Our tool contains data primarily from public government records. The principal non-public data is authorized by Congress for such uses in the Drivers Privacy Protection Act and Gramm-Leach-Bliley Act statutes.”

ICE did not return a request for comment.

The listing indicated the database would be used by ICE’s Homeland Security Investigations agency. While HSI is tasked with investigating border-related criminal activities beyond immigration violations, the office frequently works to raid and arrest undocumented people alongside ICE’s deportation office, Enforcement and Removal Operations, or ERO. A[ 2019 report ][7]from the Brennan Center for Justice described HSI as having “quietly become the backbone of the White House’s immigration enforcement apparatus. Its operations increasingly focus on investigating civil immigration violations, facilitating deportations carried out by ERO, and conducting surveillance of First Amendment-protected expression.” In 2018, The Intercept reported on an [HSI raid][8] of a Tennessee meatpacking plant that left scores of undocumented workers detained and hundreds of local children too scared to attend school the following day.

[7]: <https://www.brennancenter.org/our-work/research-reports/social-media-surveillance-homeland-security-investigations-threat> [8]: <https://theintercept.com/2018/04/10/ice-raids-tennessee-meatpacking-plant/>

Department of Homeland Security[ budget documents][9] show that ICE has used LexisNexis databases since at least 2016 through the National Criminal Analysis and Targeting Center, a division of ERO that[ assists][10] in “locating aliens convicted of criminal offenses and other aliens who are amenable to removal,” including “those who are unlawfully present in the United States.”

[9]: <https://www.dhs.gov/sites/default/files/publications/u.s._immigration_and_customs_enforcement.pdf> [10]: <https://www.dhs.gov/sites/default/files/publications/privacy-pia-ice-das-september2017.pdf>

> It’s exceedingly difficult to participate in modern society without generating computerized records of the sort that LexisNexis obtains and packages for resale.

It’s hard to wrap one’s head around the enormity of the dossiers LexisNexis creates about citizens and undocumented persons alike. While you can at least attempt to use countermeasures against surveillance technologies like facial recognition or phone tracking, it’s exceedingly difficult to participate in modern society without generating computerized records of the sort that LexisNexis obtains and packages for resale. The company’s databases offer an oceanic computerized view of a person’s existence; by consolidating records of where you’ve lived, where you’ve worked, what you’ve purchased, your debts, run-ins with the law, family members, driving history, and thousands of other types of breadcrumbs, even people particularly diligent about their privacy can be identified and tracked through this sort of digital mosaic. LexisNexis has gone even further than merely aggregating all this data: The company [claims][11] it holds 283 million distinct individual dossiers of 99.99% accuracy tied to “LexIDs,” unique identification codes that make pulling all the material collected about a person that much easier. For an undocumented immigrant in the United States, the hazard of such a database is clear.

[11]: <https://www.lexisnexis.com/en-us/products/public-records/powerful-public-records-search.page>

For those seeking to surveil large populations, the scope of the data sold by LexisNexis and Thomson Reuters is equally clear and explains why both firms are[ listed as official data “partners” of Palantir][12], a software company whose catalog includes products designed to [track down individuals][13] by feasting on enormous datasets. This partnership lets law enforcement investigators ingest material from the companies’ databases directly into Palantir data-mining software, allowing agencies to more seamlessly spy on migrants or round them up for deportation. “I compare what they provide to the blood that flows through the circulation system,” explained City University of New York law professor and scholar of government data access systems Sarah Lamdan. “What would Palantir be able to do without these data flows? Nothing. Without all their data, the software is worthless.” Asked for specifics of the company’s relationship with Palantir, the LexisNexis spokesperson told The Intercept only that its parent company RELX was an early investor in Palantir and that “LexisNexis Risk Solutions does not have an operational relationship with Palantir.”

[12]: <https://www.palantir.com/partnerships/data-providers/> [13]: <https://theintercept.com/2019/05/02/peter-thiels-palantir-was-used-to-bust-hundreds-of-relatives-of-migrant-children-new-documents-show/>

And yet compared with Palantir, which eagerly sells its powerful software to clients like ICE and the [National Security Agency][14], Thomson Reuters and LexisNexis have managed to largely avoid an ugly public association with controversial government surveillance and immigration practices. They have protected their reputations in part by claiming that even though LexisNexis may contract with ICE, it’s not enabling the crackdowns and arrests that have made the agency infamous but actually helping ICE’s detainees defend their legal rights. In 2019, after [hundreds of law professors, students, and librarians signed a petition][15] calling for Thomson Reuters and LexisNexis to cease contracting with ICE, LexisNexis sent a mass email to law school faculty defending their record and seeming to deny that their service helps put people in jail. Describing this claim as “misinformation,” the LexisNexis email, which was shared with The Intercept, stated: “ **We are not providing jail-booking data to ICE and are not working with them to build data infrastructure to assist their efforts.** … LexisNexis and RELX **does not** play a key ‘role in fueling the surveillance, imprisonment, and deportation of hundreds of thousands of migrants a year.” (Emphasis in the original.) The email stated that “one of our competitors” was responsible for how “ICE supports its core data needs.” It went on to argue that, far from harming immigrants, LexisNexis is actually in the business of empowering them: Through its existing relationship with ICE, “detainees are provided access to an extensive electronic library of legal materials … that enable detainees to better understand their rights and prepare their immigration cases.”

[14]: <https://theintercept.com/2017/02/22/how-peter-thiels-palantir-helped-the-nsa-spy-on-the-whole-world/> [15]: <https://theintercept.com/2019/11/14/ice-lexisnexis-thomson-reuters-database/>

> “Your state might be down to give you a driver’s license, but that information might get into the hands of a data broker.”

The notion that LexisNexis is somehow more meaningfully in the business of keeping immigrants free rather than detained has little purchase with the company’s critics. Jacinta Gonzalez, field director of Mijente, told The Intercept that LexisNexis’s ICE contract fills the same purpose as CLEAR. Like CLEAR, LexisNexis provides an agency widely accused of systemic human rights abuses with the data it needs to locate people with little if any oversight, a system that’s at once invisible, difficult to comprehend, and near impossible to avoid. Even in locales where so-called sanctuary laws aim to protect undocumented immigrants, these vast privatized databases create a computerized climate of intense fear and paranoia for undocumented people, Gonzalez said. “You might be in a city where your local politician is trying to tell you, ‘Don’t worry, you’re welcome here,’ but then ICE can get your address from a data broker and go directly to your house and try to deport you,” Gonzalez explained. “Your state might be down to give you a driver’s license, but that information might get into the hands of a data broker. You might feel like you’re in a life or death situation and have to go to the hospital, but you’re concerned that if you can’t pay your bill a collection agency is going to share that information with ICE.”

Richman, the LexisNexis spokesperson, told The Intercept that “the contract complies with the new policies set out in President Biden’s Executive Order [13993][16] of January 21, which revised Civil Immigration Enforcement Policies and Priorities and the corresponding DHS interim guidelines” and that “these policies, effective immediately, emphasize a respect for human rights, and focus on threats to national security, public safety, and security at the border.” But Gonzalez says it would be naive to think ICE is somehow a lesser menace to undocumented communities with Donald Trump out of power. “At the end of the day, ICE is still made up by the same agents, by the same field office directors, by the same administrators. … I think that it is really important for people to understand that, as long as ICE continues to have so many agents and so many resources, that they’re going to have to have someone to terrorize.”

[16]: <https://public-inspection.federalregister.gov/2021-01768.pdf>

#https://theintercept.com/2021/04/02/ice-database-surveillance-lexisnexis/#usa

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96thdayofrage · 3 years ago

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The Chicago Police Department invested in riot gear. It rolled out a controversial Long Range Acoustic Device, a sonic weapon that emits a piercing chirping sound. Police rounded up protesters who demonstrated against defunding mental health clinics. Then, shortly before the May summit began, authorities arrested three people in McLoughlin’s circle, and he discovered that the group had been infiltrated by undercover cops.

It turns out that there was more: Police also weaponized social media.

As tens of thousands of people flooded into Chicago’s streets, carrying signs that read “FOOD NOT BOMBS” and “NO TO WAR AND AUSTERITY,” McLoughlin was one of several organizers who posted updates on Occupy Chicago’s two Twitter accounts, sharing information on planned march routes and where protesters could find food and lodging. Newly discovered documents show that many of his tweets likely ended up flowing through CIA-funded data analytics software accessed by police.

According to the documents and to video presentations, CPD used a tool called Endeca Information Discovery, a product from tech giant Oracle, to merge crime records, 911 calls, and other routine police information with protesters’ tweets.

Oracle claims that Endeca helps police and other agencies make sense of mounds of big data. Like the more well-known government analytics software Palantir Gotham, the software owes its rise to “war on terror” surveillance and to backing from the CIA venture capital firm In-Q-Tel. Oracle acquired Endeca in 2011.

At the peak of the NATO protests, police reportedly used Endeca to process 20,000 tweets an hour. According to a 2012 talk given by Richard Tomlinson, who directed Endeca product management for Oracle, the tweets showed up in the software half a second after they were posted and remained there indefinitely, even if deleted. Police could then use the software to zero in on tweets that contained terms like “protest.” They could also sort tweets by sentiment, meaning that the software would single out for scrutiny negative or angry-seeming tweets.

Nine years later, police mining of social media is widespread — as is opposition to the practice. In addition to CPD, Oracle documents and SlideShare decks posted by former employees say that Endeca has been used by police in Argentina, Finland, and the United Arab Emirates, along with the California Department of Corrections and Rehabilitation.

Oracle is far from the only company in the market. During last summer’s George Floyd protests, police turned to Dataminr, another In-Q-Tel investment, to analyze demonstrators’ tweets. CPD, which works with the Federal Bureau of Investigation on a special task force charged with monitoring social media, has also used social media mining software made by Geofeedia, LexisNexis, and Pathar. Police across the United States have plugged images culled from social media into Clearview AI’s facial recognition engine.

But Oracle’s case has a twist: After promoting Endeca’s use on NATO protesters, Oracle went on to market the CIA-funded software for police use around the world — including in China, where its deployment would presumably be at odds with CIA interests and where social media users have few civil liberties protections to shield them from police abuses.

Oracle-chicago-1A slide presentation shared by a former Oracle senior employee in China touted the use of Oracle software by the Chicago Police Department. Image: SlideShare

The Intercept previously reported on dozens of company documents showing that Oracle employees marketed the company’s analytics software for police surveillance projects in China and other repressive regimes. In a recent House Foreign Affairs Committee hearing on China, Rep. Tom Malinowski, D-N.J., cited Oracle as an example of how U.S. companies enable surveillance overseas. In fact, several of the products that Oracle markets to police abroad were first tested in the United States.

Among the products that Oracle pushed in the China documents was Endeca, which allows police to both visualize data and mine social media. The documents describe the software’s use by Chicago police as a pioneering event that paved the way for police adoption elsewhere.

In Chinese-language slide decks, Oracle employees touted Endeca’s use in the NATO protests and by the U.S. government to argue for the software’s adoption by Chinese authorities. The documents mention specific Chinese government policing projects and data sources, but several slides appear to have been taken from decks for an American audience, with Chinese translations superimposed on blocks of English text. Two slide decks even include CPD’s logo. One touts the use of other Oracle products by the U.S. Department of Homeland Security.

The documents that specifically market Endeca for police use in China date from 2012 to 2014. But later Chinese-language documents promote Big Data Discovery, an Oracle product that incorporates full Endeca Information Discovery functionality. A 2018 slide deck presented by an Oracle engineer at a developer conference in California describes the use of Big Data Discovery, among other software, by the Liaoning province public security bureau. One Oracle reseller with close Chinese government ties continues to sell Endeca, according to a recent listing on Oracle’s site.

Some of the marketing materials are the apparent work of a former senior employee who, while working for Oracle, held a visiting researcher position at China’s leading police academy. That man is described in documents as having led a team of people who marketed Oracle’s products to police and governments around the world. Oracle declined to comment for this article.

Oracle previously denied directly selling software to Chinese police for the explicit purpose of combing through citizens’ data. But it confirmed that the slide decks, which were hosted on its website in February, are genuine. Several of the documents have since been taken down. (The Intercept has linked to archived versions when possible.)

“Oracle wants to take the money from supplying tools to intelligence agencies, but then they want to argue that they have no culpability for the use,” said Jack Poulson, executive director of the accountability nonprofit Tech Inquiry, who compared the company’s China efforts to Google’s cloud sales to U.S. Customs and Border Protection, Israel, and Saudi Arabia. “Obviously a company would like to take all of the money they can with as little responsibility as possible. But why are we letting them do that?”

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b2bmarketinglists-blog1 · 7 years ago

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To target your customers and to reach top demographics that are more likely to become valuable customers in future use LexisNexis Users Mailing lists.And it also provided based on customization and contains all information required for communication.

For More Information reach us at:

Website: http://www.emaildatagroup.net/

Call Us: (800) 710-4895

Email Us: [email protected]

#LexisNexis customers contact database #List of companies using LexisNexis #LexisNexis customers contact list #LexisNexis users mailing list

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horowitzbekker5-blog · 6 years ago

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Release Anything

My story is that an author that 'd done online composing for such dot gones as Themestream, Created By Me, and also The Vines, someone striving to have fiction, poetry and also nonfiction in print for real, suggested PublishAmerica. She claimed it was a conventional publication author. I was struck with their slogan, "We deal with authors the old fashioned method-- we pay them." Had not been that what authors were intended to do? However considering that my novel was simply resting on the DiskUs Posting site and doing nothing but providing me with sufficient loan to acquire a pair of skate laces every three months, I believed maybe it would have a better chance over at PublishAmerica where it would be readily available as a profession dimension book both on and also off-line. So this author, Ellen Du Bois, had a big thing on her Geocities website about publications being available in brick & mortar bookstores & they would certainly have ISBN numbers and also be online and all that things. Additionally had her full dimension publication hide so I rested there for 5 minutes waiting for the damn thing to show up. Not impressive, however she liked it. Ellen was a supporter for her book as well as sent out reviews from a weekly neighborhood cloth and also she bulk e-mailed numerous pieces of correspondence throughout those spirituous days when her book was in prerelease, after that launch phase in the summer of '03. I damaged down and got a copy from Amazon.com-- took virtually 3 weeks to get. And I battled to read all 176 web pages. Tripe. Clichés abounded. Spelling/grammatical errors weren't there at the very least. But the writing was slim. The tale relocated also swiftly. The primary personality was one of the most reasonable as it was probably based on the writer. The discussion was okay. The descriptions were marginal. Had there been an actual editor, the book could've been very good. I wrote to Ellen and told her the positive things about the story, preventing the negatives thoughts. She would certainly been an on-line correspondent for almost two years, yet after I didn't assess her book on Amazon.com and Barnes & Noble she didn't contact me. Practically a year later she sent me one more e-mail-- to advertise a publication of her poetry. I was simply somebody to market a book to as well as she was just thinking about the sale and with any luck a radiant write up. A Future PublishAmerica Author Since I 'd currently authorized the agreement with PublishAmerica, I wished to cancel it after reading that trash. Currently my publication would be affiliated with a business that produced almost any piece of creating that came its way. I wasn't expecting a lot what with my dealings with the extinct eNovel and also RJ's digital books, along with a tiny digital book author named Crafts Throughout America where I had not been paid monthly as promised. And my unique as well as narrative collection suffered at DiskUs, residence of the alleged Number One Best selling digital book writer of perpetuity, Leta Nolan Childers. PublishAmerica sent me an author's questionnaire where they requested for basic biographical details; cover art tips, and a lengthy checklist of individuals who could intend to review my upcoming story. " Please prepare a listing (names, and addresses,) of individuals that know you all right to be curious about your success as a writer: personal friends, colleagues, loved ones, etc., to receive a publication announcement ... Please limit your listing and your tags to an optimum of 100 get in touches with. Likewise, please do not consist of companies or companies of any type of kind, consisting of book shops, media contacts, or government companies. Consist of buddies and affiliates just." The editing process of my manuscript took two weeks over the Christmas vacations. LA restaurants had the ability to determine that the very first few pages had actually been read as some minor modifications had been made, yet no adjustments adhered to for another 50 or so web pages. Among the mistakes that happened was plainly the outcome of a spellchecker on the part of PublishAmerica as an enigma appeared after the end of a declaration. I 'd check out of real authors obtaining guidelines to alter phases, change endings, erase various web pages, in other words, really struggle to rewrite a book. Why so much initiative? Names. Track record. The publisher intended to put their name on the most effective high quality book that they had purchased. The writer desired a publication that was salable but additionally well composed as well as something they took pride in. PublishAmerica's editing consisted of neither perfect as all they did was put the computer program's spelling/grammar mosaic right into action. My 2 complimentary writer's copies showed up in very early March as well as it behaved to see my trade paperback publication in print sans a cheesy cover and stapled spinal column. 'North of Sunset' really had good looking stock cover art of a couple of silhouetted palm trees, a noticeable font, and also a spine where the book title, publisher and also writer's name appeared. It would look excellent on book shop racks, I thought of. Testimonials-- What Examines? What was Publish America doing to make sure my book was evaluated? Nothing. I made a decision to get in touch with local everyday and regular papers by e-mailing a press release. The only responses I obtained were two e-mail autoresponders introducing the editors were on holiday. I invested $40 on copies of my book's galley and mailed them to 3 national papers as well as the Collection Journal magazine. Then I phoned a book reviewer at the 'San Diego Union-Tribune' and also asked if he would certainly want evaluating my publication yet prior to I can even describe what it had to do with, he asked who my author was. I told him. "We don't evaluate publications by that author," he mentioned. I called all the regional bookstores and also talked to the managers as well as/ or area relations individuals concerning my book, consisting of a number of shops that were literally situated on the road I 'd blogged about. An independent book shop proprietor told me that because PA really did not have a return policy she was incapable to equip my book. Another said that I can sell my book on consignment. The chain stores of Borders and Barnes & Noble said my publication would certainly be offered with Ingram if any individual selected to order it. Tried getting PublishAmerica to send out testimonial duplicates out and it took them weeks to do so. Had to call as well as make certain on 2 events that guides had actually been sent by mail. Maybe estimating one of their passionate marketers on the message board, an individual with a natural wizard for advertising and the budget plan to back it up, got 3 publications sent out to reviewers. After that I sent my book to Piers Anthony, kept in mind sci-fi as well as dream writer of greater than 100 books. I would certainly been in touch with him considering that 2000 when I notified him to the truth that eNovel was a rip-off. Although the action in his books usually occurred in alternate time periods/universes, he really did not mind checking out a mainstream Hollywood novel. He did so. "North of Sundown by Lisa Maliga. She's the one noted in my Study as I'm a Released Author Ha Ha! Ha!, a pertinent caution for starry-eyed aspiring authors. Her web site www.lisamaliga.com deserves checking similarly; she informs it as it is. If you took a couple of years off my age and altered my sex, the result might appear like Lisa. North of Sunset is fun, regarding a Hollywood manufacturer as well as his temporary secretary, revealing a bargain of what I assume is fact. It is written with the omniscient perspective, which I dislike, however it held my rate of interest no matter. " I would certainly found with a distressed author on the messageboards, which I keep reading occasion, that a person was whining concerning PublishAmerica. Uncovering the Absolute Write History Inspect area I invested several hrs reading, at the time, greater than 40 web pages of problems regarding PublishAmerica. Authors not obtaining books in time for booksignings that they set up themselves. Bookstore owners/managers rejecting to stock their shelves with unedited PublishAmerica titles. Writers not able to obtain their publications assessed. Doing a search on LexisNexis, the respectable on-line legal research study system, for all PublishAmerica publications receiving paper testimonials, I saw that from July 2002 to June 2004, only 24 books had been assessed across the country. Papers in Syracuse NY, Tulsa, OK, Fort Pierce, FL, Wilmington, NC and Lakeland, FL were stood for. Just Salt Lake City's 'Deseret Morning News', the 'Tulsa Globe', 'Pittsburgh Post-Gazette' as well as the suburban paper, the 'Chicago Daily Herald' were in fact major papers. Seemingly, the 'New York Times' or the 'Los Angeles Times' were not evaluating anything by PublishAmerica's authors. According to the PublishAmerica website in the Realities and Figures area, "Fact # 3: Once more, exceptional among all standard publication posting business, each day an ordinary 15 times a PublishAmerica author shows up in the news media, in newspapers, publications, radio or TV." Yet also mathematically tested folks can identify that by using the LexisNexis search stats, we find out that the standard is a puny when a month that a PublishAmerica book gets discussed in a paper somewhere in the United States. Editing-- What's That? Below's a treasure of a post on the PublishAmerica message board: "When it appeared in book develop a month back, my friends discussed the editing and enhancing issues in it, so a buddy of mine with a masters in education and learning went through it for me. It had close to a thousand editing and enhancing errors in a 182-page book. So, have some who really recognizes what literary web content should remain in a book, go through your publication for you before you send the final draft back to PublishAmerica. Due to the fact that the last draft, IS!, just how guide will be when it appears." I discovered that via the misspellings, grammatical mistakes, as well as basic poor writing that practically any person was publishable via the 'standard' author located in Frederick, Maryland. Such posts as: "I also am not the very best editor LOL! I did get my finished books. And when I consulted with a woman that is significant in the advertising and marketing area, she informed me that my publication at it's length of 132 web pages needs to have phases." A couple of PublishAmerica writers reviewed editing and enhancing. "I felt like you did when I found mistakes, yet after that I recognized, hey individuals read it for the tale, not seeking blunders in typo land! LOL Now I just keep a keepin on!" Sales Figures Question: I 'd actually like to recognize the amount of copies I've offered. Solution: Purchase all of guides on your own and afterwards count them. No matter how naïve PublishAmerica authors showed up, they will eventually concern the realization that PublishAmerica isn't really a traditional author, specifically when those twice-yearly aristocracy checks arrived. Every few months or two PublishAmerica sent them an e-mail proclaiming their success, extoling a heavyweight author they're discussing with, or, more just recently, doing a take care of the New York Times. On August 17th, an e-mail bearing the pleased subject heading 'Marketing Our Topsellers in the New York Times' appeared in author's online mailboxes. PublishAmerica was well named because they intend to publish any individual in The United States and Canada who has churned out a manuscript, despite quality. They declare to have anywhere from 9,000 to 12,000 "pleased" writers and also they want more and more of them as that undoubtedly suggests more money for the hoggish owners, specifically Willem Meiner and also Larry Clopper. The PublishAmerica name and logo is seen as a joke to those in the media, bookstores and also collections. Publications can not be returned. All PublishAmerica titles do not have the essential CIP [Cataloging-in-Publication] information, which is essential for collections to buy titles, and also who wishes to check out unedited and overpriced tomes besides the writer's cronies? Oh yep, and also while PublishAmerica asserts that they're a 'typical publisher' why on earth do they have in their major page keyword phrases note the term 'self publishing' three times? As well as in their website's summary, they boast: "PublishAmerica, Inc., a traditional publisher, approving and also publishing manuscripts and books at ON THE HOUSE to the author. Aristocracies paid to authors, books sold in shops. Manuscript submissions by mail and online" In the beginning of September I got a royalty check. To my shock, I was not only able to manage to acquire a set of shoelaces for my skates, I forked over the $12 it set you back to develop my blades. That recognized that this company would offer extra earnings allowing me to continue participating in my recreational skating hobby? Yet it cost me more than the $160 in author-bought publications, the $40 for galleys, which were possibly plunged into a recycling bin, the $87 shade calling card, $20 press release-- as well as the many hrs building and also reconstructing my website so people would take place throughout it and also buy a book that was only available online-- like any various other book. PublishAmerica enables the misconception of being a 'typical' publisher, a term not utilized before the development of the Web, to fester. The lie is perpetrated in those HTML resource codes that search engine spider robots deliver; the future writers led to the guaranteed realm of posting, a net web of woven myths fanning across the online world. PublishAmerica resembles most various other ePublishing companies guaranteeing tales of bestselling publications and authors. PublishAmerica is just another scam, just another future dot gone. If you are a PublishAmerica author, or know of one, that is sadly released and also will certainly tell your story, please get in touch with: Federal Profession Commission attn: CRC - 240 Washington, DC 20580 FTC Consumer Problem Form Frederick County Board of Region Commissioners Winchester Hall 12 E. Church Road, Frederick, MD 21701 Telephone: 301-694-1100 Fax: 301-694-1849 www.co.frederick.md.us/BOCC/ John L. Thompson, Jr., President Winchester Hall 12 E. Church Street Frederick, MD 21701 Telephone: 301-694-1028

Fax: 301-631-23 Discuss the following factors: Your publication is not offered in traditional bookstores and collections Your book is not returnable if a bookstore owner/manager must stock it 7-year-long contract is considered in inappropriate amount of time Your book is released by a vanity press You had to pay for your own copyright PublishAmerica will not look for the CIP, which allows it to be acquired by collections PublishAmerica overprices guides PublishAmerica offers a nonstandard price cut PublishAmerica's service version is to offer to their own authors PublishAmerica's books are NOT modified-- absolutely not line-by-line as they claim on their internet site but have actually since admitted that they only edit for grammar as well as spelling PublishAmerica approves about 80% of submitted manuscripts [most authors decline 99% of their submissions] PublishAmerica will just accept charge card orders over the phone when booking for one of their workshops or to purchase your own titles https://www.youtube.com/watch?v=m7pJcweygAg

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kritikapatil · 2 years ago

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Address Verification Software Market Growing Popularity and Emerging Trends in the Industry

Latest added Address Verification Software Market research study by AMA Research offers detailed outlook and elaborates market review till 2027. The market Study is segmented by key regions that are accelerating the marketization. At present, the market players are strategizing and overcoming challenges of current scenario; some of the key players in the study are

GB Group Plc (United Kingdom)

AccuZIP, Inc. (United States)

SmartSoft DQ (United States)

Prism Data Services Ltd. (Canada)

WinPure (United Kingdom)

Anchor Software, LLC (United States)

Acme Data, Inc. (United States)

BCC Software (United States)

ClickToAddress (United Kingdom)

Egon Zehnder (United States)

LexisNexis (United States)

TrueNCOA (United States)

Melissa Data (United States)

SmartyStreets (United States)

The address verification software aims to verify, correct, and standardize residential and company addresses as well as other physical identification data. Businesses use address verification tools to validate mailing lists, customer addresses, and other data based on correct mailing addresses. Sales and marketing teams typically find the greatest use of address validation solutions because the software can validate address information captured by lead generation software. E-commerce channels also benefit from the address verification software by confirming that customers' shipping addresses are valid. With verified physical addresses, mailing, shipping, and customer location data is more reliable. The address verification software is tangentially related to data quality software solutions from a functional point of view, but differs in its different use cases, focuses on physical location data, and relies on the relevant acquisition of location data to verify the accuracy. As a result, address verification software differs from data quality solutions. In order to qualify for inclusion in the "address verification" category, a product must automatically check incoming and existing addresses against an authoritative database, standardize address data to a universal format, delete crooked data by fuzzy matching or other correction processes, or update and integrate with Industry solutions or address databases.

Influencing Trend: Growing Usage of Automatic Identification and Data Capture (AIDC) Technology in Retail Industry and E-Commerce

The Increasing Trend of Internet of Things (IoT), Cloud Adoption, and Bring Your Own Device (BYOD)

Growing Adoption of Cloud-Based Services Such As Artificial Intelligence (AI) and Machine Learning (ML) For Identity Verification Software

Challenges: Presence of Major as Well as Emerging Players are Increasing the Competition

Opportunities: Increasing Adoption of Address Verification Software by the Governments of Developed and Developing Countries to Identify the Customer Information for Government-Issued ID Cards, Driving Licenses, Or Passports

Growing Terrorist Attacks and Rising Adoption of Address Verification Software in Defense and Government Applications

Market Growth Drivers: Growing Demand among Consumers for Technologically Advanced Security

Rising Implementation of Instant Mobile Verification across Media & Entertainment, IT & Telecommunication, and Other Sectors

Rising Penetration of Smartphones and TabletsThe Global Address Verification Software segments and Market Data Break Down by Type (Cloud Based, On-Premise), Application (SMEs, Large Enterprises), Platform (Android, Windows, Linux, IOS), Subscription Type (One Time License, Monthly, Quarterly, Yearly), Device Used (PC, Laptops, Smartphones, Others)

Presented By

AMA Research & Media LLP

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burningpainterface · 3 years ago

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RELX - A Global Leader in Information-Based Analytics

RELX is a world leader in information, risk management, and business analytics. Its principal brands include Elsevier and LexisNexis (legal and scientific information), as well as the Reed exhibition brand, which holds 500 events annually in over 30 countries. The company serves over 40 million people worldwide and has a $1.4 billion market cap. While it's unclear whether RELX will be able to receive a 510(k) from the FDA, its rapid growth strategy shows that it will be able to meet the deadline.

RELX International, the company that distributes RLX vapes outside of China, is a separate entity that employs about 35,000 people. Wang, who has a net worth of $370 million, serves as CEO of the brand and heads RELX International, which distributes its products internationally. Yang Yangzi, the co-founder of RELX International, is a co-founder of the company and the head of its marketing and sales department.

Relx is a global provider of information-based analytics that provides decision tools for professional customers. The company has offices in more than 40 countries and employs more than 33,000 people. Almost half of these workers live in North America. The company has a reputation for being transparent about its products and procedures. For more information on RELX, visit www.relx.com. relx - a Global Leader in Information-Based Analytics

Relx's leadership has been busy building a global presence, and is looking forward to submitting its Premarket Tobacco Product Application to the U.S. Food and Drug Administration by the end of 2021. The approval process could take 180 days, and Relx has repeatedly denied rumors of an IPO. This is a crucial step for the company, and a successful launch in China could bring in billions of dollars in revenue.

RELX shares trade on the New York Stock Exchange and Amsterdam Stock Exchange. The company is part of the FTSE 100 Index and is listed on the Euronext 100. Its shares are traded on three major markets: the New York Stock Exchange, and the London. Its stocks are listed on the FTSE. The company is a member of the Financial Times Global 500 and Euronext 100. Its profits are reported quarterly.

RELX is a world leader in information and analytics. Its four business segments include Scientific, Technical, and Medical. The Scientific, Technology, and Medicine segment is an information analytics company that helps advance healthcare and improve performance. The Risk & Business Analytics segment delivers decision tools that use public content, advanced technology, and innovative research. All these solutions and tools help the company make better decisions. Its goal is to deliver value to its customers through advanced analytics, information and tools.

In addition to its global presence, Relx has offices in more than 40 countries around the world. With a global presence, RELX serves professionals in more than 180 countries. Its headquarters in Shenzhen employs over 33,000 people, with almost half of them located in North America. Its name, 'Relx', is an acronym for 'Relx'. The brand is headquartered in the city of Shenzhen, China.

The Chinese word RELX translates to 'Responsibility.' It's a shortened version of the word "empathy." And 'Responsibility.' The company aims to build trust among its users by developing a range of products that appeal to different demographics. The company's mission is to be a global leader in the health industry. Its goal is to improve the lives of individuals by offering quality e-cigarettes.

Like other RELX products, RELX is available in a wide variety of flavors. These beverages are often delicious and palatable, and the drinks themselves are often a must-have. The company's mission statement is "to empower individuals." The company is also a leading global company in the medical field. Its shares trade on the New York Stock Exchange. If you're interested in learning about RELX, consider reading the following article.

The company provides a range of information services and publishing products. Its products include business information, consumer information, trade books, and computer information software. Its customers include individuals and companies in every country. Although RELX has not received a 510(k) from the FDA, it's still an impressive product that is able to compete with giants in the industry. Its reputation is a testament to its innovation and its ability to meet the needs of the masses.

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marketreseach · 3 years ago

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Social Media Listening and Monitoring Tool Market 2021 Strategic Assessments – Sprout Social, Salesforce, Mention, Sprinklr

The global research report titled Social Media Listening and Monitoring Tool Market has recently been published by The Research Insights which helps to provide guidelines for the businesses. It has been aggregated based on different key pillars of businesses such as drivers, restraints, and global opportunities. This Social Media Listening and Monitoring Tool Market research report has been compiled by using primary and secondary research techniques. Finally, researchers direct their focus on some significant points to give a gist about investment, profit margin, and revenue.

(Get Up To 30% Discount)

Download a Sample Copy of This Report (including full TOC, Tables and Figures):

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The report presents the market competitive landscape and a corresponding detailed analysis of the major vendor/key players in the market. Top Companies in the Global Social Media Listening and Monitoring Tool Market: HubSpot, SharpSpring, Zoho Social, Wrike, YouScan, Awario, HootSuite Media, Sprout Social, Salesforce, Mention, Sprinklr, Sysomos, Sendible, Critical Mention, Digimind, LexisNexis

This report segments the global Social Media Listening and Monitoring Tool Market based on Types are:

Cloud-Based

On-Premise

Based on Application, the Global Social Media Listening and Monitoring Tool Market is segmented into:

Large Enterprise

SMBs

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Regional analysis of Global Social Media Listening and Monitoring Tool Market:

Geographically, the global Social Media Listening and Monitoring Tool Market has been fragmented into several regions such as North America, Latin America, Asia-Pacific, Africa, and Europe based on the productivity of several companies. Every segment along with its sub-segments is analyzed in the research report. The competitive landscape of the market has been elaborated by studying numerous factors such as top manufacturers, prices, and revenue.

The information on the global Social Media Listening and Monitoring Tool Market is accessible to readers in a logical chapter-wise format. Driving and restraining factors have been listed in this research report, which helps to understand positive and negative aspects in front of the businesses.

Access Full Report information with TOC, here:

https://www.theresearchinsights.com/reports/Global-Social-Media-Listening-and-Monitoring-Tool-Market-Research-Report-2021-Segmented-by-Major-Market-Players-Types-Applications-and-Countries-Forecast-to-2026-422121?mode=AG

What are the market factors that are explained in the report?

-Key Strategic Developments: The Social Media Listening and Monitoring Tool Market study also includes the key strategic developments of the market, comprising R&D, new product launch, M&A, agreements, collaborations, partnerships, joint ventures, and regional growth of the leading competitors operating in the market on a global and regional scale.

-Key Market Features: The Social Media Listening and Monitoring Tool Market report evaluated key market features, including revenue, price, capacity, capacity utilization rate, gross, production, production rate, consumption, import/export, supply/demand, cost, market share, CAGR, and gross margin. In addition, the study offers a comprehensive study of the key market dynamics and their latest trends, along with pertinent market segments and sub-segments.

-Analytical Tools: The Global Social Media Listening and Monitoring Tool Market report includes the accurately studied and assessed data of the key industry players and their scope in the market using several analytical tools. The analytical tools such as Porter’s five forces analysis, SWOT analysis, feasibility study, and investment return analysis have been used to analyze the key players’ growth in the market.

Customization of the Report: This report can be customized as per your needs for additional data up to 3 companies or countries or 40 analyst hours.

About us:

The Research Insights – A global leader in analytics, research, and advisory that can assist you to renovate your business and modify your approach. With us, you will learn to take decisions intrepidly. We make sense of drawbacks, opportunities, circumstances, estimations, and information using our experienced skills and verified methodologies. Our research reports will give you an exceptional experience of innovative solutions and outcomes. We have effectively steered businesses all over the world with our market research reports and are outstandingly positioned to lead digital transformations. Thus, we craft greater value for clients by presenting advanced opportunities in the global market.

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#Social Media Listening and Monitoring Tool Market #Social Media Listening and Monitoring Tool Market Research

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aryanasmith006 · 3 years ago

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Does the Type of Credit Score Matter?

When you apply for new credit, the lender will almost always check one or more of your credit reports and credit scores. Lenders and other service providers use credit scores to gauge the amount of financial risk you pose as a borrower.

If your credit scores are high, you're seen as a low credit risk—meaning you're likely to repay your debt as agreed. Alternatively, if your credit scores are low, you're considered a higher risk in lenders' eyes. And while you have dozens—or even hundreds—of credit scores, if your credit reports reflect positive credit behavior, then all of your scores will likely be good regardless of the score brand or version.

What Is a Credit Score?

A credit score is a three-digit number usually ranging from 300 to 850 that lenders use to predict your credit risk. A credit score takes into account the information appearing on your credit reports as maintained by the three national credit reporting agencies (Experian, TransUnion and Equifax). Information that is not on your credit reports is not considered by credit scoring models.

What Are the Main Credit Scoring Models?

There are two commonly used brands of credit scores in the U.S. consumer credit environment: FICO®, named for the Fair Isaac Corp., and VantageScore®. Collectively, these two scoring brands account for over 20 billion scores used annually.

VantageScore

VantageScore credit scores have been around since 2006. There have been four versions of this credit score: VantageScore 1.0, 2.0, 3.0 and 4.0. Each VantageScore version is a single model used by all three national credit reporting agencies. As a result, if your credit reports are identical across all three agencies (which is unlikely), your VantageScore credit scores would also be identical.

It's not as simple when it comes to FICO. FICO, the company, has been around since 1956, but its credit bureau scores debuted in 1989. Since then, it has released several dozen scoring models that are commercially available and in use in the United States.

FICO works with hundreds of financial institutions to provide free access to FICO scores for consumer accounts, so first check the banks in camp hill pa or credit card statements to see if your score is listed there.

Where Can I Get My Credit Scores?

With so many credit scores out there, there's little chance all of them are the same, though they are likely to be similar.

There is no shortage of places where consumers can go to see their credit scores. Some are free and some are not. The credit reporting agencies all either sell credit scores or provide them at no cost. There are also various third-party websites that will either sell you a score or give you a free credit score in exchange for you becoming a registered user of their site.

Are There Other Types of Scores?

While the FICO® and VantageScore credit scoring models certainly get most of the attention, there are other types of scores in use today. Some other examples include:

Insurance risk scores: An insurance risk score predicts either the likelihood that you will file an insurance claim or that you will be an otherwise less profitable insurance customer. FICO® builds insurance risk scores, as does LexisNexis.

Collection scores: A collection score, used by debt collectors, ranks debtors based on their likelihood of paying their collection account debts. FICO® creates collection scores.

Custom scores: Custom scores are credit scoring models built for use by one party, usually a lender or an insurance company. Custom scoring systems can take into account credit report data, credit application data and even other credit scores. Most mid- to large-sized lenders use custom scoring systems, as well as garden variety credit bureau scores.

Bankruptcy scores: Bankruptcy scores are designed to predict the likelihood that you'll file for bankruptcy protection.

#Type #Credit Score #Loan #ideas #tips #updates

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nitu5965 · 3 years ago

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Data as a Service Market Analysis, Segments, Key Players, Drivers, Trends, and Forecast 2017– 2027

Data as a Service Market Highlights:

Data as a service (DaaS) relies on the cloud to ensure data storage, data integration, data processing, and delivery of applications over a network. The accumulation of large volumes of data and the preference of cloud for storage of information has brought the service to the forefront. The global data as a service (DaaS) market report by Market Research Future (MRFR) contains an overview of the industry, its benefits in various industries, and its prospects for the period of 2018 to 2023 (forecast period). The impact of the virus on the market has been explored.

The Data as a Service Market is expected to grow at a CAGR of 39% and reach a size of USD 12 billion by the end of 2023.

The shift to cloud for building applications and scaling them at low costs is one of the primary drivers of the market. DaaS provides information to customers irrespective of geographical location or separation of provider and consumer. Companies have managed to maintain the integrity of their data and improve agility of workloads owing to dependence on analytics and management and storage of pertinent data.

Adoption of big data analytics and cloud services in enterprises for storage and maintenance of data can bode well for the market. Initiatives of Bring Your Own Devices (BYOD) and enterprise mobility can drive the market forward. The decision of enterprises of providing users control over their data on a cloud can reduce data access times and enhance data processing. The market faces challenges from cybersecurity issues and a paucity of skilled personnel for maintaining huge data volumes.

Request a Free Sample @ https://www.marketresearchfuture.com/sample_request/6057

Competition Outlook:

IBM Corporation, Oracle Corporation, Mastercard Advisors LLC, Microsoft Corporation, Fair Isaac Corporation, LexisNexis Corporation, Google Inc., LinkedIn Corporation, Salesforce.com, Inc., Facebook, Inc., Bloomberg Finance L.P., and Alibaba Group Holding Limited are major providers in the global DaaS market.

Segmentation:

· By deployment, the market is segmented into public cloud, private cloud, and hybrid cloud.

· By organization size, the market is segmented into small and medium enterprise and large enterprise.

· By end user, the market is segmented into IT & telecom, BFSI, retail, manufacturing, media & entertainment, transportation, healthcare, and others.

· By pricing model, the market is divided into volume-based pricing model and data type-based pricing model. Volume-based pricing model includes quantity based pricing and pay per use pricing.

· By solution, the market is segmented into data migration, data warehousing, disaster recovery and backup solution, test data management, and others.

· By professional services, the market is segmented into consulting, implementation & deployment, and support & maintenance.

Regional Analysis:

The geographical analysis of data as a service market is studied for North America, Europe, Asia Pacific (APAC), and Rest-of-the-World (RoW).

North America is expected to dominate the data as a service (DaaS) market during the forecast period. It features a significant amount of unstructured data gathering due to digital revolution across the commercial and industrial sectors. Moreover, the early adoption of cloud-based deployment services in North America has made it easier for the industrial verticals to opt big data analytics to re-structure business functions and strategies. This is evident with Streetlight Data raising funds to the tune of USD 15 million for using big data acquired through smartphones. The data is used in adhering to latest social distancing measures during the COVID-19 pandemic and the safety of passengers commuting through buses and other forms of public transport.

APAC is expected to grow at a significant pace during the forecast period. Due to increasing adoption of cloud-based services and data-centric strategies adopted by businesses in the Asia countries, the global data as a service (DaaS) market has ample scope in expanding. Initiatives of incentives for startups and commencement of digitization can bode well for the market in the coming years.

Table of Contents

1 Executive Summary

2 Scope of the Report

2.1 Market Definition

2.2 Scope of the Study

2.2.1 Research Objectives

2.2.2 Assumptions & Limitations

2.3 Markets Structure

3 Market Research Methodology

3.1 Research Process

3.2 Secondary Research

3.3 Primary Research

3.4 Forecast Model

Continued…

Access Report Details @ https://www.marketresearchfuture.com/reports/data-as-a-service-daas-market-6057

List of Tables

Table1 World Population by Major Regions (2018 To 2023)

Table2 Global Data as a Service Market: By Country, 2018-2023

Table3 North America Data as a Service Market: By Country, 2018-2023

Continued…

List of Figures

Figure 1 Global Data as a Service Market Segmentation

Figure 2 Forecast Methodology

Figure 3 Porter’s Five Forces Analysis of Global Data as a Service Market

Continued…

About Market Research Future:

Market Research Future (MRFR) is a global market research firm that takes great pleasure in its services, providing a detailed and reliable study of diverse industries and consumers worldwide. MRFR's methodology integrates proprietary information with different data sources to provide the client with a comprehensive understanding of the current key trends, upcoming events, and the steps to be taken based on those aspects.

Our rapidly expanding market research company is assisted by a competent team of research analysts who provide useful analytics and data on technological and economic developments. Our deemed analysts make industrial visits and collect valuable information from influential market players. Our main goal is to keep our clients informed of new opportunities and challenges in various markets. We offer step-by-step assistance to our valued clients through strategic and consulting services to reach managerial and actionable decisions..

Contact:

Market Research Future

Office No. 524/528, Amanora Chambers

Magarpatta Road, Hadapsar

Pune - 411028

Maharashtra, India

+1 646 845 9312

Email: [email protected]

#Data as a Service Market Data as a Service Market Data as a Service Market Forecast Data as a Service Market Trends Data as a Service Market

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itsautoinsuranceusa · 3 years ago

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What to know about a credit-based insurance score

The credit-based insurance score, also known as insurance credit score, is used to estimate your likelihood of filing a claim. This credit-based insurance score offers car insurance companies an idea of the level of risk you are and also gives them an idea of what to charge you when you apply for cheap auto insurance. In other words, this score determines whether you get cheap car insurance.

Many car insurance companies utilize a credit-based auto insurance score to determine whether to trust you as a policyholder and the rate you'll pay if they do. While credit is only one of many elements that influence your rate, it can help you get cheap auto insurance rates. To get cheap car insurance, you should always maintain a good credit score.

Your credit-based insurance score, also known as your insurance credit score, is used to predict how likely you are to file a claim. It tells insurers how much of a risk you are to cover and helps them figure out how much to charge you for coverage. In other words, this score determines whether you get cheap car insurance.

While using credit-based insurance scores to calculate rates is legal on the federal level, insurance companies aren't normally allowed to use credit history as the principal reason for raising rates, denying, or canceling a policy. California, Hawaii, Massachusetts, Michigan, and Washington prohibit insurers from using credit to determine auto insurance prices.

Basics of a credit-based car insurance score

Credit-based car insurance scores differ from the credit scores that most people are familiar with—the credit scores calculated by FICO and VantageScore for use by creditors. While credit scores attempt to predict if a consumer would be 90 days late on a payment during the following 24 months, credit-based insurance scores attempt to anticipate whether a consumer will submit insurance claims that will cost the company more money than it earns in premiums. This will, in turn, help you get cheap auto insurance if the score is on the good side.

How is your credit-based insurance score calculated?

Your insurance credit score is not the same as the more well-known VantageScore or FICO credit score used when applying for a mortgage, credit card, or car loan. However, the elements utilized to determine your score remain the same; they are only weighted differently.

This is because a credit score is intended to measure your likelihood of paying your bills, whereas a credit-based insurance score considers your risk of filing an insurance claim.

Because a credit-based insurance score can be issued by more than one organization, your rating may fluctuate from one to the next. The greater your score, regardless of the organization, the better.

Although their weighting may differ, the factors utilized to generate a credit-based insurance score are comparable for LexisNexis and FICO.

The National Association of Insurance Commissioners (NAIC) has broken down how an organization like FICO calculates insurance credit score:

History of payment (40%): Frequency and quantity of your debt payment.

Outstanding debt (30% of total): The amount of debt you owe.

Credit history duration (15%): The amount of time you've had a line of credit.

Pursuit of new credit (10% ): Determines whether you have lately applied for new lines of credit.

Credit mix (5%): The many types of credit you have, such as credit cards, mortgages, and car loans.

According to the categories listed above, the following may hurt your insurance credit score:

Payments are not being made.

No or little credit history.

A very high number of hard credit queries.

The credit usage percentage of your credit cards

Personal information, like a standard credit score, cannot be utilized to generate your credit-based insurance score, including:

Gender

Race

Marital status

Religion

Age

Income and occupation

Location of residence

Although your credit score and credit-based insurance score are not the same, your credit score can be used to predict your credit-based insurance score. Your credit-based insurance is comparable if you possess good credit.

States that ban using credit-based car insurance score

Before providing you with cheap car insurance, car insurance companies can frequently analyze your credit history or utilize a credit-based insurance score. However, it is only one jigsaw element because insurance companies are often banned from making judgments based purely on your credit.

Some states, including California, Hawaii, Massachusetts, and Michigan, strongly limit or prohibit credit information by insurance firms in establishing cheap auto insurance prices. In these states, your credit score, no matter how high or bad, has no bearing on your insurance prices. If you stay in these states, you have a high probability of getting cheap car insurance rates.

How to get cheap car insurance from credit-based auto insurance scores

While credit scores and credit-based insurance scores are not the same, they do consider similar conduct. If you have a good credit score, you most likely have a high credit-based insurance score as well. If your credit score is poor, taking steps to increase it will almost certainly raise your credit-based insurance score.

What you can do is as follows:

Every month, pay your bills on time as agreed.

If you miss a payment, make up the difference as quickly as feasible.

Paying down credit card debt will lower your credit utilization rate.

Examine your credit report to confirm that all of the information is correct and up to date.

Although you cannot check your credit-based insurance scores online, you can access credit checking companies that give free access to your credit report as well as a credit score based on your credit file.

You can use these tools to monitor your credit and obtain advice on how to improve it.

Aside from improving your credit, there are numerous strategies to lower your auto insurance prices regarding credit-based insurance scores.

Many car insurance companies provide discounts that might help you save money on your rates. These may include a good driving discount if you haven't been in an accident recently, as well as multiple-vehicle and multiple-policy discounts if you insure multiple cars or have different forms of insurance with the same insurance company. You may also be eligible for a discount based on your associations, such as an alumni group or your work. These will help you easily get cheap car insurance for yourself.

Your insurance company may not inform you of all available discounts or may be unaware of which ones you are eligible for to get yourself cheap auto insurance rates. If you install anti-theft devices in your cars or aren't driving as often as you used to, call your car insurance company and inform them, it may qualify you for additional savings, thus helping you get cheap car insurance rates.

You could also get cheap car insurance by selecting a policy with smaller coverage limits or higher deductibles. If you have an older car and don't have a loan or lease, obtaining simply a liability policy (rather than full coverage, which includes collision and comprehensive) can also result in getting cheap auto insurance.

Finally, regularly search around for car insurance policies to ensure you're getting the best deal on your policy. Even if you've paid in advance for six months or a year, you may be able to switch insurance to lock in the savings and receive a prorated refund from your old insurer.

Monthly and recurrent bills, ranging from subscription services to insurance, can be easily classified as fixed expenses. However, by shopping around, you can frequently find ways to reduce prices, resulting in consistent and ongoing savings for months to come. Having high credit can also help you qualify for lower-cost financing and make it easier to locate a new job or rent an apartment.

If you have a history of paying bills on time, such as electricity, phone, and certain streaming service payments, you may be able to improve your credit ratings fast.

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