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	<title>Credit Education&#187; 2009  December</title>
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	<description>Credit Education 101</description>
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		<title>Revaluing Credit Scores after the Financial Crises</title>
		<link>http://www.free-credit-reports.com/credit-education/credit-score/revaluing-credit-scores-after-the-financial-crises-283.php</link>
		<comments>http://www.free-credit-reports.com/credit-education/credit-score/revaluing-credit-scores-after-the-financial-crises-283.php#comments</comments>
		<pubDate>Thu, 31 Dec 2009 13:47:31 +0000</pubDate>
		<dc:creator>Janet Lacey</dc:creator>
				<category><![CDATA[Credit Score]]></category>

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		<description><![CDATA[The numbers of assets and saved up money are not the only things that matter in the financial world. There is a three digit number that can make any credit company go from dismaying a loan application to become more than willing to help the loan applicant. The FICO score ... (<a href="http://www.free-credit-reports.com/credit-education/credit-score/revaluing-credit-scores-after-the-financial-crises-283.php" rel="bookmark" title="Permanent Link to Revaluing Credit Scores after the Financial Crises" class="more">more</a>) <span class="date">December 31, 2009</span>]]></description>
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		<title>The Time to Stop Paying Debts</title>
		<link>http://www.free-credit-reports.com/credit-education/debt-management-help/the-time-to-stop-paying-debts-281.php</link>
		<comments>http://www.free-credit-reports.com/credit-education/debt-management-help/the-time-to-stop-paying-debts-281.php#comments</comments>
		<pubDate>Wed, 30 Dec 2009 13:46:00 +0000</pubDate>
		<dc:creator>Janet Lacey</dc:creator>
				<category><![CDATA[Debt Management Help]]></category>

		<guid isPermaLink="false">http://www.free-credit-reports.com/credit-education/?p=281</guid>
		<description><![CDATA[Living debt free is the dream of indebted individuals. Those who just started participating in the financial market are advised to do the same thing, aim to be debt free. However the financial landscape has been remodeled by many socio- economic phenomena such as the global recession. After the recent ... (<a href="http://www.free-credit-reports.com/credit-education/debt-management-help/the-time-to-stop-paying-debts-281.php" rel="bookmark" title="Permanent Link to The Time to Stop Paying Debts" class="more">more</a>) <span class="date">December 30, 2009</span>]]></description>
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		<title>Stakes of not paying Secured and Unsecured Debts</title>
		<link>http://www.free-credit-reports.com/credit-education/debt-management-help/stakes-of-not-paying-secured-and-unsecured-debts-278.php</link>
		<comments>http://www.free-credit-reports.com/credit-education/debt-management-help/stakes-of-not-paying-secured-and-unsecured-debts-278.php#comments</comments>
		<pubDate>Tue, 29 Dec 2009 13:41:42 +0000</pubDate>
		<dc:creator>Janet Lacey</dc:creator>
				<category><![CDATA[Debt Management Help]]></category>

		<guid isPermaLink="false">http://www.free-credit-reports.com/credit-education/?p=278</guid>
		<description><![CDATA[Coping with lenders is one of the hardest tasks that borrowers have to be able to do to maintain a credit worthy rating from the major credit bureaus. This is a must because being able to do so in a way insures the borrower that he or she was able ... (<a href="http://www.free-credit-reports.com/credit-education/debt-management-help/stakes-of-not-paying-secured-and-unsecured-debts-278.php" rel="bookmark" title="Permanent Link to Stakes of not paying Secured and Unsecured Debts" class="more">more</a>) <span class="date">December 29, 2009</span>]]></description>
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		<title>Choosing the debt to Pay-off</title>
		<link>http://www.free-credit-reports.com/credit-education/debt-management-help/choosing-the-debt-to-pay-off-276.php</link>
		<comments>http://www.free-credit-reports.com/credit-education/debt-management-help/choosing-the-debt-to-pay-off-276.php#comments</comments>
		<pubDate>Mon, 28 Dec 2009 13:40:01 +0000</pubDate>
		<dc:creator>Janet Lacey</dc:creator>
				<category><![CDATA[Debt Management Help]]></category>

		<guid isPermaLink="false">http://www.free-credit-reports.com/credit-education/?p=276</guid>
		<description><![CDATA[Debts can badly damage the credit worthiness rating of any individual. Before borrowing any amount, borrowers should well note the value and weight of the debt that they are about to avail. The value and weight of a debt imply the future possible effects of the debt to the financial ... (<a href="http://www.free-credit-reports.com/credit-education/debt-management-help/choosing-the-debt-to-pay-off-276.php" rel="bookmark" title="Permanent Link to Choosing the debt to Pay-off" class="more">more</a>) <span class="date">December 28, 2009</span>]]></description>
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		<title>Getting into Trouble with Debt Negotiating Companies</title>
		<link>http://www.free-credit-reports.com/credit-education/debt-management-help/getting-into-trouble-with-debt-negotiating-companies-274.php</link>
		<comments>http://www.free-credit-reports.com/credit-education/debt-management-help/getting-into-trouble-with-debt-negotiating-companies-274.php#comments</comments>
		<pubDate>Sun, 27 Dec 2009 13:38:30 +0000</pubDate>
		<dc:creator>Janet Lacey</dc:creator>
				<category><![CDATA[Debt Management Help]]></category>

		<guid isPermaLink="false">http://www.free-credit-reports.com/credit-education/?p=274</guid>
		<description><![CDATA[Debt negotiation may sound the same with debt settlement, but these two concepts of managing debt are entirely different. Settling a debt in the general sense is the effort of the borrower to make his or her creditor to accept a lower payment schedule because the borrower will not be ... (<a href="http://www.free-credit-reports.com/credit-education/debt-management-help/getting-into-trouble-with-debt-negotiating-companies-274.php" rel="bookmark" title="Permanent Link to Getting into Trouble with Debt Negotiating Companies" class="more">more</a>) <span class="date">December 27, 2009</span>]]></description>
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		<title>How creditor&#8217;s listings affect credit report and score</title>
		<link>http://www.free-credit-reports.com/credit-education/credit-report/how-creditors-listings-affect-credit-report-and-score-272.php</link>
		<comments>http://www.free-credit-reports.com/credit-education/credit-report/how-creditors-listings-affect-credit-report-and-score-272.php#comments</comments>
		<pubDate>Sat, 26 Dec 2009 13:36:24 +0000</pubDate>
		<dc:creator>Janet Lacey</dc:creator>
				<category><![CDATA[Credit Report]]></category>

		<guid isPermaLink="false">http://www.free-credit-reports.com/credit-education/?p=272</guid>
		<description><![CDATA[The Fair Credit Reporting Act or FCRA has mandated creditors to get outsourced help from collection agencies in dealing with debts. This mandate has made collection agencies go to the limits just to collect amounts of payment from indebted individuals. Adding up to this mandate, if a credit account holder ... (<a href="http://www.free-credit-reports.com/credit-education/credit-report/how-creditors-listings-affect-credit-report-and-score-272.php" rel="bookmark" title="Permanent Link to How creditor&#8217;s listings affect credit report and score" class="more">more</a>) <span class="date">December 26, 2009</span>]]></description>
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		<slash:comments>0</slash:comments>
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		<title>The Banks&#8217; Move in Collecting Debts</title>
		<link>http://www.free-credit-reports.com/credit-education/debt-management-help/the-banks-move-in-collecting-debts-270.php</link>
		<comments>http://www.free-credit-reports.com/credit-education/debt-management-help/the-banks-move-in-collecting-debts-270.php#comments</comments>
		<pubDate>Fri, 25 Dec 2009 13:33:30 +0000</pubDate>
		<dc:creator>Janet Lacey</dc:creator>
				<category><![CDATA[Debt Management Help]]></category>

		<guid isPermaLink="false">http://www.free-credit-reports.com/credit-education/?p=270</guid>
		<description><![CDATA[After the great part that the credit crunch has played in the recent global financial recession, financial agencies which are directly affected by the crisis such as banks are doing everything they can do to make things meet the ends. One of the greatest and most laborious tasks that the ... (<a href="http://www.free-credit-reports.com/credit-education/debt-management-help/the-banks-move-in-collecting-debts-270.php" rel="bookmark" title="Permanent Link to The Banks&#8217; Move in Collecting Debts" class="more">more</a>) <span class="date">December 25, 2009</span>]]></description>
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		<title>Going Phishing for Identity</title>
		<link>http://www.free-credit-reports.com/credit-education/identity-theft/going-phishing-for-identity-268.php</link>
		<comments>http://www.free-credit-reports.com/credit-education/identity-theft/going-phishing-for-identity-268.php#comments</comments>
		<pubDate>Thu, 24 Dec 2009 13:31:37 +0000</pubDate>
		<dc:creator>Janet Lacey</dc:creator>
				<category><![CDATA[Identity Theft]]></category>

		<guid isPermaLink="false">http://www.free-credit-reports.com/credit-education/?p=268</guid>
		<description><![CDATA[Identity thieves after exhausting the most reliable ways of getting information from the owners themselves like dumpster diving and shouldering have learned new ways of obtaining information for fraudulent use. Identity theft is now a cyber crime which means it can be committed through the internet. The billions of revolving ... (<a href="http://www.free-credit-reports.com/credit-education/identity-theft/going-phishing-for-identity-268.php" rel="bookmark" title="Permanent Link to Going Phishing for Identity" class="more">more</a>) <span class="date">December 24, 2009</span>]]></description>
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		<slash:comments>0</slash:comments>
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		<title>The Way to Manage Disputes in your Credit Report</title>
		<link>http://www.free-credit-reports.com/credit-education/credit-report/the-way-to-manage-disputes-in-your-credit-report-266.php</link>
		<comments>http://www.free-credit-reports.com/credit-education/credit-report/the-way-to-manage-disputes-in-your-credit-report-266.php#comments</comments>
		<pubDate>Wed, 23 Dec 2009 13:29:15 +0000</pubDate>
		<dc:creator>Janet Lacey</dc:creator>
				<category><![CDATA[Credit Report]]></category>

		<guid isPermaLink="false">http://www.free-credit-reports.com/credit-education/?p=266</guid>
		<description><![CDATA[Credit reports and scores are the standard credit worthiness rating tool used by major credit companies to see whether an individual is viable for a loan, credit and other financial agreements. Indeed, these documents can change the course of the life of the individual being judged through them. After the ... (<a href="http://www.free-credit-reports.com/credit-education/credit-report/the-way-to-manage-disputes-in-your-credit-report-266.php" rel="bookmark" title="Permanent Link to The Way to Manage Disputes in your Credit Report" class="more">more</a>) <span class="date">December 23, 2009</span>]]></description>
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		<slash:comments>0</slash:comments>
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		<title>The Indicators of Identity Theft to Watch out for</title>
		<link>http://www.free-credit-reports.com/credit-education/identity-theft/the-indicators-of-identity-theft-to-watch-out-for-264.php</link>
		<comments>http://www.free-credit-reports.com/credit-education/identity-theft/the-indicators-of-identity-theft-to-watch-out-for-264.php#comments</comments>
		<pubDate>Tue, 22 Dec 2009 13:27:48 +0000</pubDate>
		<dc:creator>Janet Lacey</dc:creator>
				<category><![CDATA[Identity Theft]]></category>

		<guid isPermaLink="false">http://www.free-credit-reports.com/credit-education/?p=264</guid>
		<description><![CDATA[Identity theft has already caused losses beyond imagination in the past two decades of its proliferation. The victims of this crime find it hard not only to compensate for their losses but also for finding ways on making their credit record right again. It can be frustrating knowing that the ... (<a href="http://www.free-credit-reports.com/credit-education/identity-theft/the-indicators-of-identity-theft-to-watch-out-for-264.php" rel="bookmark" title="Permanent Link to The Indicators of Identity Theft to Watch out for" class="more">more</a>) <span class="date">December 22, 2009</span>]]></description>
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