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	<title>Credit Repair</title>
	<link>http://resourcesoncreditrepair.com</link>
	<description>Free Credit Repair and strategies for credit and Financial Freedom</description>
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		<title>What is credit?</title>
		<description><![CDATA[What is credit: credit is a convenience. It lets you charge a meal on your credit, pay for an appliance on the installment plan, take out a loan to buy a house, or pay for schooling or vacations. With credit, you can enjoy your purchase while you’re paying for it or you can make a purchase when you have no cash. There’s always a catch that if not approached appropriately could leave you in financial ruins. While a credit card makes it easy to buy something now and pay for it later, you Read more [...]]]></description>
		<link>http://resourcesoncreditrepair.com/whatiscredit/</link>
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		<title>Secrets to repairing your credit like the pros</title>
		<description><![CDATA[Some stuff stay on your credit for 7 or 10 years, there are ways to remove them much sooner. Many credit repair companies claim to clear your credit record. The strategy that those companies use generally works and negative items can be cleared years before the time limits set by federal law! Truth is that credit bureau doesn’t tell you that each item on your credit record must be proven for it to stay on your file. If the bureau can’t prove the item, it must be removed, even if it’s true! Read more [...]]]></description>
		<link>http://resourcesoncreditrepair.com/secrets-to-repairing-your-credit-like-the-pros/</link>
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		<title>Become a smart user of credit cards</title>
		<description><![CDATA[It’s hard to imagine getting through life without a credit card or two. Credit cards are a basic fact of everyday life. That’s why being a smart user of credit cards are a key element of staying on the right track. Here are the rules for being a smart user of credit cards. Know what the card will cost you. Credit card debt is basically short-term, unsecured debt, its very expensive debt. Know what the rate of interest is on a card before running up an unpaid balance. Know what the grace Read more [...]]]></description>
		<link>http://resourcesoncreditrepair.com/become-a-smart-user-of-credit-cards/</link>
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		<title>Repair My Credit</title>
		<description><![CDATA[Key issues you should know about credit repair 1. Check your statement carefully every month for errors. When you realize that your statement lists incorrect charges, call your issuer and report it immediately. Even though most problems can handle over the phone, protect yourself by sending a letter to the issuer of the card, using certified mail with returned receipt requested. This will provide you evidence that the issuer receive the letter. This precaution protects you in case the bank fails Read more [...]]]></description>
		<link>http://resourcesoncreditrepair.com/repairmycredit/</link>
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		<title>Do it yourself Credit Repair</title>
		<description><![CDATA[Your credit report is very important to your financial capacity and credit establishment. If you have already mishandled credit and are now trying to reestablish yourself, you should read this section carefully! The following steps help you recover from your past mistakes. It takes time and know-how, but you can repair the mistakes, wipes the slate clean and start over with your new understanding know-how and determination. The steps below explain how to correct some of the mistakes. The Read more [...]]]></description>
		<link>http://resourcesoncreditrepair.com/doityourselfcreditrepair/</link>
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		<title>Credit Repair</title>
		<description><![CDATA[If you’re looking for a way out of your credit problems, don’t believe promises like these! Erase bad credit—100% guaranteed; remove bankruptcies and liens from your credit file. Beware of several so called credit repair companies that charge from $200 to as much as $1,000 dollars and promise to fix or repair your credit report! In most cases, these companies do very little in improving your credit. Remember the following: &#160; 1. Credit bureaus can legally report accurate negative Read more [...]]]></description>
		<link>http://resourcesoncreditrepair.com/credit-repair/</link>
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		<title>Dispute of Collections Account</title>
		<description><![CDATA[Date Credit Bureau Address RE: Acct. #... Dear (Credit Bureau Name): I have just received my credit report and have noted that it contains incorrect information regarding the following accounts. I would like them deleted from my record: Collection Account ______________This is not correct, please remove. Company name - This is not mine. Phone company (acct. # ______________) When I questioned phone company about this account, they told me they requested this be removed from Read more [...]]]></description>
		<link>http://resourcesoncreditrepair.com/dispute-of-collections-account/</link>
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		<title>Sample Letter If You Get No Response from a Credit Bureau</title>
		<description><![CDATA[Date   ATT: Consumer Assistance Credit Bureau Address   RE: Credit report #______   Dear TRW:   On March______and April_________, I sent you letters requesting items be investigated on my credit report. (See enclosed copies)As of yet I have not received a response from you. Under the Fair Credit Reporting Act you are required to respond within a reasonable period of time.”   I am sending this letter certified so I will know you did receive it. In this way I will Read more [...]]]></description>
		<link>http://resourcesoncreditrepair.com/sampleletterifyougetnoresponsefromacreditbureau/</link>
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		<title>The Fine Print Your Credit Card Issuer Doesn’t Want You To Read.</title>
		<description><![CDATA[Our mailboxes are swamped with offers for low cost credit card with rates of 6% or lower against 15% and more for the average card. Sign the dotted line, and your unpaid balance is transferred to the new card at a far lower rate. Let’s say you shift a $1,500 balance on a credit card carrying a 19.8% interest rate to a card offering a 5.9% rate for the first year. Your savings over that year will come to over $200. Just don’t abandon your present card for something that looks good on the surface Read more [...]]]></description>
		<link>http://resourcesoncreditrepair.com/the-fine-print-your-credit-card-issuer-doesn%e2%80%99t-want-you-to-read/</link>
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		<title>How your credit score is calculated</title>
		<description><![CDATA[ keep in mind that recent late payments and collections within two years have a 24.5% impact on your score. There are five factors that determine your credit score. FACTOR #1: Account Utilization Rate (30% of Your FICO Calculation) 30% of your credit score calculation is based on keeping the balances on your revolving and installment accounts low, if possible 30% of the account’s credit limit. This is critical! You could potentially see a great increase in your credit score in only Read more [...]]]></description>
		<link>http://resourcesoncreditrepair.com/howyourcreditscoreiscalculated/</link>
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