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	<title>Debt, Credit Repair, Mortgage, Loans, and Credit Card Advice</title>
	<link>http://www.oprah-debt-diet.com</link>
	<description>A personal finance, credit, &#38; money resource about debt consolidation, obtaining free credit reports, credit cards, mortgage and home loans, savings, and investments.</description>
	<lastBuildDate>Mon, 22 Feb 2010 11:42:17 +0000</lastBuildDate>
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		<title>New rules for credit card companies</title>
		<description><![CDATA[After months of talk, new rules are now in effect for credit card companies.  They&#8217;re supposed to end some of the most deceptive tactics and outlaw unfair fees and huge interest rate hikes.  Credit card companies will no longer be allowed to increase rates on existing balances unless you&#8217;re 60 days overdue.

They must give you [...]]]></description>
		<link>http://www.oprah-debt-diet.com/new-rules-for-credit-card-companies/02823</link>
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		<title>The U.S Government Promotes Credit Repair</title>
		<description><![CDATA[
The federal government now backs the removal of everything negative on a credit file and the awesome thing is, they always have! I will use the term credit repair lightly as I do not think that is is appropriate because in order to repair something, something must be broken and that is just not the [...]]]></description>
		<link>http://www.oprah-debt-diet.com/the-us-government-promotes-credit-repair/11688</link>
			</item>
	<item>
		<title>Beating the Credit Crunch</title>
		<description><![CDATA[
If you have noticed that your money isn&#8217;t going as far as it used to, even compared to a few months ago, you aren&#8217;t alone. The current state of the economy means that prices are rising and income is largely staying the same, which isn&#8217;t good news when it comes to making ends meet.
But is [...]]]></description>
		<link>http://www.oprah-debt-diet.com/beating-the-credit-crunch/08687</link>
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	<item>
		<title>How Credit Scores Affect Mortgage Applications</title>
		<description><![CDATA[
With a good credit score an applicant will receive prompt response from many lenders, all of them offering low interest rates and low down payment options. The loan amount offered also may be high. On the contrary a low credit score would result in a lot of rejection from various mortgage financers. Because creditors wouldn&#8217;t [...]]]></description>
		<link>http://www.oprah-debt-diet.com/how-credit-scores-affect-mortgage-applications/07686</link>
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		<title>First Time Credit Users Beware</title>
		<description><![CDATA[Read your credit card agreement. In reality, not many credit card applicants take the time to read their credit cards&#8217; Terms and Conditions in full. As a first time credit card applicant, make it a habit to read the fine print before signing up for anything. Why is it crucial to read the fine print? [...]]]></description>
		<link>http://www.oprah-debt-diet.com/first-time-credit-users-beware/05685</link>
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		<title>Credit Crunch Loan Sharks Warning</title>
		<description><![CDATA[If any of you are old enough to remember the effects of the last major recession in the late &#8217;80s and early 90&#8217;s, you will recall that with the collapse of stock market prices in 1987 even greater than the &#8216;great recession&#8217; of the 1920&#8217;s. For several years after, personal savings, along with many stock-market [...]]]></description>
		<link>http://www.oprah-debt-diet.com/credit-crunch-loan-sharks-warning/03684</link>
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		<title>Credit Card Balance Transfer</title>
		<description><![CDATA[Credit cards are a big business nowadays, with many companies making affluence off finance arraigns. The typical yearly percentage rate is about 16% on most credit cards. With that kind of pursuit, it&#8217;s tough to pay down a credit card, because it is consistently charging pursuit and adding to the rule. Even hot stocks are [...]]]></description>
		<link>http://www.oprah-debt-diet.com/credit-card-balance-transfer/03683</link>
			</item>
	<item>
		<title>How to Increase Poor Credit Rating</title>
		<description><![CDATA[First, check your spending. Where does all your money go? You need to take a serious look at your finances to figure out why you currently have a poor credit rating. Is it because of irresponsibility, or because you truly can&#8217;t afford the things you are buying?
Second, make regular payments on your existing credit account. [...]]]></description>
		<link>http://www.oprah-debt-diet.com/how-to-increase-poor-credit-rating/03682</link>
			</item>
	<item>
		<title>Paying Off Credit Card Debt</title>
		<description><![CDATA[Being buried in credit card debts is a no laughing matter and it can add wrinkles to your face faster than you think it can. It can give you stress and you can never have total peace of mind thinking that you have debts to pay.
When you can finally pay every cent of your debts, [...]]]></description>
		<link>http://www.oprah-debt-diet.com/paying-off-credit-card-debt/02681</link>
			</item>
	<item>
		<title>Top 5 Credit Score Killers</title>
		<description><![CDATA[A good credit score speaks volumes about your financial habits. It&#8217;s the evidence most creditors need to evaluate your credit worthiness. Interestingly, there are some credit killers? that even people maintaining good credit scores would unwittingly be a part of, which will be their undoing when applying for credit facilities in the future. These mistakes [...]]]></description>
		<link>http://www.oprah-debt-diet.com/top-5-credit-score-killers/02680</link>
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