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	<title>Credit Counseling</title>
	<link>http://www.credit-counseling-news.com</link>
	<description>Credit help</description>
	<pubDate>Fri, 14 Dec 2007 18:40:51 +0000</pubDate>
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		<title>Financial Literacy:  A National Strategy??</title>
		<link>http://www.credit-counseling-news.com/2007/12/14/financial-literacy-a-national-strategy/</link>
		<comments>http://www.credit-counseling-news.com/2007/12/14/financial-literacy-a-national-strategy/#comments</comments>
		<pubDate>Fri, 14 Dec 2007 18:40:51 +0000</pubDate>
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	<category>Credit Score</category>
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		<description><![CDATA[In 2003, congress passed a law for Fair and Accurate Credit Transactions entitled Financial Literacy and Education Improvement. This law called for the establishment of the Financial Literacy and Education Commission. The Commission established and sponsors/hosts the website www.mymoney.gov. This website is essentially an index or a collection of links to other Departmental websites containing [...]]]></description>
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		<item>
		<title>Financial Literacy:  A National Stratagy??</title>
		<link>http://www.credit-counseling-news.com/2007/11/09/financial-literacy-a-national-stratagy/</link>
		<comments>http://www.credit-counseling-news.com/2007/11/09/financial-literacy-a-national-stratagy/#comments</comments>
		<pubDate>Fri, 09 Nov 2007 18:22:49 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
	<category>Credit Score</category>
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		<guid isPermaLink="false">http://www.credit-counseling-news.com/2007/11/09/financial-literacy-a-national-stratagy/</guid>
		<description><![CDATA[In 2003, congress passed a law for Fair and Accurate Credit Transactions entitled Financial Literacy and Education Improvement. This law called for the establishment of the Financial Literacy and Education Commission. The Commission established and sponsors/hosts the website www.mymoney.gov. This website is essentially an index or a collection of links to other Departmental websites containing [...]]]></description>
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		<item>
		<title>How Did This Happen??</title>
		<link>http://www.credit-counseling-news.com/2007/11/02/how-did-this-happen/</link>
		<comments>http://www.credit-counseling-news.com/2007/11/02/how-did-this-happen/#comments</comments>
		<pubDate>Fri, 02 Nov 2007 18:19:46 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
	<category>Credit Score</category>
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		<description><![CDATA[The current mortgage crisis did not begin when the subprime lenders began to announce that they were facing financial difficulties due to a surge in defaults. It didn?t begin when Greenspan was discussing the housing market ?conundrum?. It wasn?t caused by the real estate ?bubble? popping. It wasn?t terrorists, the war in Iraq, inflation or [...]]]></description>
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		<item>
		<title>Clearing Up the Credit Crisis</title>
		<link>http://www.credit-counseling-news.com/2007/10/29/clearing-up-the-credit-crisis/</link>
		<comments>http://www.credit-counseling-news.com/2007/10/29/clearing-up-the-credit-crisis/#comments</comments>
		<pubDate>Mon, 29 Oct 2007 08:53:19 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
	<category>Credit Score</category>
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		<guid isPermaLink="false">http://www.credit-counseling-news.com/2007/10/29/clearing-up-the-credit-crisis/</guid>
		<description><![CDATA[For the last several months, I have been talking with a number of consultants, industry experts, legislators, regulatory agencies and members of Congress about the current credit crisis.  With the hope of providing you with a better understanding of the crisis, how it?s progressing, how it could affect you and resources that are available to [...]]]></description>
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		<item>
		<title>Sub-Prime Lending</title>
		<link>http://www.credit-counseling-news.com/2007/07/11/sub-prime-lending/</link>
		<comments>http://www.credit-counseling-news.com/2007/07/11/sub-prime-lending/#comments</comments>
		<pubDate>Wed, 11 Jul 2007 10:24:45 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
	<category>Credit Conselling</category>
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		<guid isPermaLink="false">http://www.credit-counseling-news.com/2007/07/11/sub-prime-lending/</guid>
		<description><![CDATA[

      Also called ?B/C Paper,? ?near-prime,? or ?second chance? lending, is a general term
      that refers to the practice of making loans to borrowers who do not qualify for market
      interest rates because of problems with their credit history. A [...]]]></description>
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		<item>
		<title>Credit during Crisis</title>
		<link>http://www.credit-counseling-news.com/2007/05/16/credit-during-crisis/</link>
		<comments>http://www.credit-counseling-news.com/2007/05/16/credit-during-crisis/#comments</comments>
		<pubDate>Wed, 16 May 2007 10:25:28 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
	<category>Credit Score</category>
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		<guid isPermaLink="false">http://www.credit-counseling-news.com/2007/05/16/credit-during-crisis/</guid>
		<description><![CDATA[Whether it&#8217;s a personal dilemma, such as whether to change your job, a relationship, your address or a life change such as serious illness, unexpected unemployment, or death of a loved one, we make dozens of decisions everyday that can positively or negatively affect our credit history.  Only after a traumatic event, which results [...]]]></description>
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		<item>
		<title>Facing Foreclosure?</title>
		<link>http://www.credit-counseling-news.com/2007/05/04/facing-foreclosure/</link>
		<comments>http://www.credit-counseling-news.com/2007/05/04/facing-foreclosure/#comments</comments>
		<pubDate>Fri, 04 May 2007 18:06:51 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
	<category>Credit Score</category>
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	<category>payments</category>
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		<guid isPermaLink="false">http://www.credit-counseling-news.com/2007/05/04/facing-foreclosure/</guid>
		<description><![CDATA[A reported 35% increase in recent foreclosure fillings may be a result of many homeowners feeling the squeeze of increased payments as their adjustable mortgage rates went up.  Hybrid ARMs with interest-only and/or flexible payments options have allowed many homeowners to keep payments unrealistically low while increasing their overall mortgage debt.  Unpaid interest [...]]]></description>
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		</item>
		<item>
		<title>Senate Takes on Credit Card Industry</title>
		<link>http://www.credit-counseling-news.com/2007/03/09/senate-takes-on-credit-card-industry/</link>
		<comments>http://www.credit-counseling-news.com/2007/03/09/senate-takes-on-credit-card-industry/#comments</comments>
		<pubDate>Fri, 09 Mar 2007 18:01:51 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
	<category>Good Credit Basics</category>
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		<guid isPermaLink="false">http://www.credit-counseling-news.com/2007/03/09/senate-takes-on-credit-card-industry/</guid>
		<description><![CDATA[Congress is taking the credit card companies to task over fees and interest rate practices. Sen. Carl Levin, Chairman of the Senate Homeland Security subcommittee, said an investigation by his panel found &#8220;abusive&#8221; and confusing practices by credit card companies that can increase financial pain for many families.What Sen. Levin is doing is trying to [...]]]></description>
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		<item>
		<title>Congress Reduce My Interest Rate</title>
		<link>http://www.credit-counseling-news.com/2007/03/09/congress-reduce-my-interest-rate/</link>
		<comments>http://www.credit-counseling-news.com/2007/03/09/congress-reduce-my-interest-rate/#comments</comments>
		<pubDate>Fri, 09 Mar 2007 18:01:50 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
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		<guid isPermaLink="false">http://www.credit-counseling-news.com/2007/03/09/congress-reduce-my-interest-rate/</guid>
		<description><![CDATA[I wrote a post yesterday, commenting on Congress?s decision to inquiry into the practices of the Banking and Credit Card industry. In the article I posted a link to a story on Yahoo in which Citibank came under fire. I was glad to see the heat, because I have a Citibank credit card and they [...]]]></description>
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		<item>
		<title>Get an Emergency Fund</title>
		<link>http://www.credit-counseling-news.com/2007/02/19/get-an-emergency-fund/</link>
		<comments>http://www.credit-counseling-news.com/2007/02/19/get-an-emergency-fund/#comments</comments>
		<pubDate>Mon, 19 Feb 2007 08:42:16 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
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		<guid isPermaLink="false">http://www.credit-counseling-news.com/2007/02/19/get-an-emergency-fund/</guid>
		<description><![CDATA[Every financial advisor and debt reduction expert will say you need an emergency fund. Some like Dave Ramsey say you need $1000 in the bank before you start your debt reduction snowball plan. Others like Liz Pulliman Weston will say $500 is good. I agree with Ramsey in principle but the reality is most can [...]]]></description>
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