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	<title>News Credit</title>
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	<link>http://newscredit.org</link>
	<description>Improve Your Credit History</description>
	<lastBuildDate>Mon, 14 May 2012 11:48:42 +0000</lastBuildDate>
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		<title>Debt management plans: what you should know</title>
		<link>http://newscredit.org/bad-credit-consultant/debt-management-plans-what-you-should-know</link>
		<comments>http://newscredit.org/bad-credit-consultant/debt-management-plans-what-you-should-know#comments</comments>
		<pubDate>Mon, 14 May 2012 07:37:35 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Bad Credit Consultant]]></category>
		<category><![CDATA[Debt management plans]]></category>

		<guid isPermaLink="false">http://newscredit.org/?p=594</guid>
		<description><![CDATA[With 1,797 of workers losing their jobs in the last three months of 2011 and one property being repossessed every 15 minutes, its little surprise that the demand for debt management services has peaked in recent times. The rising cost of living, coupled with the drop in income for many households, has meant that more [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Sector Breakdown of Diversified Portfolios</title>
		<link>http://newscredit.org/personal-finance-guide/sector-breakdown-of-diversified-portfolios</link>
		<comments>http://newscredit.org/personal-finance-guide/sector-breakdown-of-diversified-portfolios#comments</comments>
		<pubDate>Sun, 13 May 2012 23:14:21 +0000</pubDate>
		<dc:creator>Hayley Steele</dc:creator>
				<category><![CDATA[Personal Finance Guide]]></category>

		<guid isPermaLink="false">http://newscredit.org/personal-finance-guide/sector-breakdown-of-diversified-portfolios</guid>
		<description><![CDATA[In a recent column, The Globe &#038; Mails Rob Carrick (see Beware the limitations of buying the index, May 11, 2012) pointed out that investing in just the TSX Composite index might leave an investor with an unbalanced portfolio because of the indexs concentration in just three sectors: financials, energy and materials. The criticism is [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Can You File a Chapter 7 Now if You filed Before the 2005 Law?</title>
		<link>http://newscredit.org/credit-repair-news/can-you-file-a-chapter-7-now-if-you-filed-before-the-2005-law</link>
		<comments>http://newscredit.org/credit-repair-news/can-you-file-a-chapter-7-now-if-you-filed-before-the-2005-law#comments</comments>
		<pubDate>Fri, 11 May 2012 23:43:25 +0000</pubDate>
		<dc:creator>Grace Macarthur</dc:creator>
				<category><![CDATA[Credit Repair News]]></category>
		<category><![CDATA[Filed]]></category>
		<category><![CDATA[If Filed]]></category>

		<guid isPermaLink="false">http://newscredit.org/credit-repair-news/can-you-file-a-chapter-7-now-if-you-filed-before-the-2005-law</guid>
		<description><![CDATA[20090113 bankruptcy-01 (Photo credit: Wikipedia) There seems to be some confusion about when you can file a Chapter 7 once you have already filed, especially after the passing of the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005. Can you file a Chapter 7 bankruptcy now if you filed before the 2005 law? A [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>New Year’s resolution: Lower your monthly payments</title>
		<link>http://newscredit.org/bad-credit-consultant/new-years-resolution-lower-your-monthly-payments</link>
		<comments>http://newscredit.org/bad-credit-consultant/new-years-resolution-lower-your-monthly-payments#comments</comments>
		<pubDate>Thu, 10 May 2012 04:58:15 +0000</pubDate>
		<dc:creator>Brianna Tewksbury</dc:creator>
				<category><![CDATA[Bad Credit Consultant]]></category>
		<category><![CDATA[New Year’s]]></category>
		<category><![CDATA[New Year’s Resolution]]></category>
		<category><![CDATA[Resolution]]></category>
		<category><![CDATA[Year’s Resolution]]></category>

		<guid isPermaLink="false">http://newscredit.org/bad-credit-consultant/new-years-resolution-lower-your-monthly-payments</guid>
		<description><![CDATA[By Brad Swain New Year’s is a time for big changes, getting back on track – and yet another opportunity to maximize that gym membership. No matter what your well-intentioned New Year’s resolutions may be, hard economic times can bring big financial changes. Thankfully, hope abounds in 2012. One of the most overlooked areas of [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Joint account holder vs. authorized user</title>
		<link>http://newscredit.org/bad-credit-consultant/joint-account-holder-vs-authorized-user</link>
		<comments>http://newscredit.org/bad-credit-consultant/joint-account-holder-vs-authorized-user#comments</comments>
		<pubDate>Tue, 08 May 2012 07:22:45 +0000</pubDate>
		<dc:creator>Brianna Tewksbury</dc:creator>
				<category><![CDATA[Bad Credit Consultant]]></category>
		<category><![CDATA[Account Holder]]></category>
		<category><![CDATA[Joint Account]]></category>
		<category><![CDATA[Joint Account Holder]]></category>
		<category><![CDATA[User]]></category>

		<guid isPermaLink="false">http://newscredit.org/bad-credit-consultant/joint-account-holder-vs-authorized-user</guid>
		<description><![CDATA[In theory, the difference between Joint Account Holder and Authorised User is quite clear. If you and your spouse are listed as joint account holders on the credit card agreement, you both are basically co owners and liable for the debt on the credit card. The spouse who is an authorized user is not responsible [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>5 Money-Saving Ideas for Your Car</title>
		<link>http://newscredit.org/personal-finance-guide/5-money-saving-ideas-for-your-car</link>
		<comments>http://newscredit.org/personal-finance-guide/5-money-saving-ideas-for-your-car#comments</comments>
		<pubDate>Mon, 07 May 2012 22:41:37 +0000</pubDate>
		<dc:creator>Hayley Steele</dc:creator>
				<category><![CDATA[Personal Finance Guide]]></category>
		<category><![CDATA[Car]]></category>
		<category><![CDATA[Ideas Car]]></category>

		<guid isPermaLink="false">http://newscredit.org/personal-finance-guide/5-money-saving-ideas-for-your-car</guid>
		<description><![CDATA[I love my car. Besides my sister and  best friend, I don’t think there’s anyone I spend more time with in this world. After almost a decade together, you’d think I could show my car a little more respect and TLC. But, honestly, getting the oil changed every three months is like going to the [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Debt in the UK: the shocking figures</title>
		<link>http://newscredit.org/credit-articles/debt-in-the-uk-the-shocking-figures</link>
		<comments>http://newscredit.org/credit-articles/debt-in-the-uk-the-shocking-figures#comments</comments>
		<pubDate>Mon, 07 May 2012 06:50:48 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit Articles]]></category>
		<category><![CDATA[Debt in the UK]]></category>

		<guid isPermaLink="false">http://newscredit.org/?p=587</guid>
		<description><![CDATA[Despite the UK technically no longer being in the pits of a recession, debt remains a serious issue for many people across Britain. One recent study revealed that during each working day, every 62 seconds, 1 person gets declared as either bankrupt or insolvent, a total of 318 every 24 hours. Ninety three properties get [...]]]></description>
		<wfw:commentRss>http://newscredit.org/credit-articles/debt-in-the-uk-the-shocking-figures/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Millennial Generation Shows Low Levels of Financial Literacy</title>
		<link>http://newscredit.org/credit-repair-news/millennial-generation-shows-low-levels-of-financial-literacy</link>
		<comments>http://newscredit.org/credit-repair-news/millennial-generation-shows-low-levels-of-financial-literacy#comments</comments>
		<pubDate>Fri, 04 May 2012 16:11:50 +0000</pubDate>
		<dc:creator>Grace Macarthur</dc:creator>
				<category><![CDATA[Credit Repair News]]></category>
		<category><![CDATA[Financial Literacy]]></category>
		<category><![CDATA[Literacy]]></category>

		<guid isPermaLink="false">http://newscredit.org/credit-repair-news/millennial-generation-shows-low-levels-of-financial-literacy</guid>
		<description><![CDATA[Today’s younger generations have a shockingly low level of financial literacy, and the trend has been growing worse over the past few years, according to a recent report in USA Today. Sources say that the average person in his or her 20s has a total debt of $45,000, which includes common debts like credit card [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Pain for pensioners</title>
		<link>http://newscredit.org/personal-finance-guide/pain-for-pensioners</link>
		<comments>http://newscredit.org/personal-finance-guide/pain-for-pensioners#comments</comments>
		<pubDate>Mon, 30 Apr 2012 16:44:06 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal Finance Guide]]></category>
		<category><![CDATA[Pensioners]]></category>

		<guid isPermaLink="false">http://newscredit.org/?p=579</guid>
		<description><![CDATA[The Budget was never expected to be a windfall for most people and clearing the country&#8217;s national debts is not a task to be envied. However, the move to strip pensioners of their annual increase on their tax allowance is expected to leave many struggling to pay their debts. Under the plans, pensioners at the [...]]]></description>
		<wfw:commentRss>http://newscredit.org/personal-finance-guide/pain-for-pensioners/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>A qualified service provider of foreign exchange &#8211; smart choice!</title>
		<link>http://newscredit.org/credit-articles/a-qualified-service-provider-of-foreign-exchange-smart-choice</link>
		<comments>http://newscredit.org/credit-articles/a-qualified-service-provider-of-foreign-exchange-smart-choice#comments</comments>
		<pubDate>Thu, 26 Apr 2012 07:42:20 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit Articles]]></category>

		<guid isPermaLink="false">http://newscredit.org/?p=575</guid>
		<description><![CDATA[So you move abroad to spend holidays or stay forever? But it is possible that you will still have the connection with your homeland in terms of money. If you send your money to your loved ones, you&#8217;re banging your head on how to deal with the constant fluctuation of foreign exchange rates. Your concerns [...]]]></description>
		<wfw:commentRss>http://newscredit.org/credit-articles/a-qualified-service-provider-of-foreign-exchange-smart-choice/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Is logbook loans answer to your credit problems?</title>
		<link>http://newscredit.org/personal-finance-guide/is-logbook-loans-answer-to-your-credit-problems</link>
		<comments>http://newscredit.org/personal-finance-guide/is-logbook-loans-answer-to-your-credit-problems#comments</comments>
		<pubDate>Thu, 19 Apr 2012 06:19:53 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal Finance Guide]]></category>
		<category><![CDATA[logbook loans]]></category>

		<guid isPermaLink="false">http://newscredit.org/?p=563</guid>
		<description><![CDATA[In the current economic situation, more and more people are looking at new possibilities to loan money. A new trend that is gaining popularity is getting a loan by mortgaging your vehicle. This type of a loan is known as logbook loans. In order to take out a logbook loan, you need to completely own your [...]]]></description>
		<wfw:commentRss>http://newscredit.org/personal-finance-guide/is-logbook-loans-answer-to-your-credit-problems/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>This Week in Credit 8/5/2011</title>
		<link>http://newscredit.org/bad-credit-consultant/this-week-in-credit-852011</link>
		<comments>http://newscredit.org/bad-credit-consultant/this-week-in-credit-852011#comments</comments>
		<pubDate>Wed, 11 Apr 2012 09:18:40 +0000</pubDate>
		<dc:creator>Brianna Tewksbury</dc:creator>
				<category><![CDATA[Bad Credit Consultant]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[Credit 852011]]></category>

		<guid isPermaLink="false">http://newscredit.org/bad-credit-consultant/this-week-in-credit-852011</guid>
		<description><![CDATA[“If you spend any time on the Internet, youve probably seen ads for free credit scores. They usually appear alongside ads promising to make your belly fat disappear. There are two problems with these promotions. First, you usually have to sign up for credit monitoring, identity theft protection or some other service. These products cost [...]]]></description>
		<wfw:commentRss>http://newscredit.org/bad-credit-consultant/this-week-in-credit-852011/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>In work, income always trumps deductions</title>
		<link>http://newscredit.org/personal-finance-guide/in-work-income-always-trumps-deductions</link>
		<comments>http://newscredit.org/personal-finance-guide/in-work-income-always-trumps-deductions#comments</comments>
		<pubDate>Tue, 10 Apr 2012 23:31:58 +0000</pubDate>
		<dc:creator>Hayley Steele</dc:creator>
				<category><![CDATA[Personal Finance Guide]]></category>
		<category><![CDATA[Work]]></category>
		<category><![CDATA[Work Income]]></category>

		<guid isPermaLink="false">http://newscredit.org/personal-finance-guide/in-work-income-always-trumps-deductions</guid>
		<description><![CDATA[I&#8217;ve wanted to be a real estate agent for more than 20 years. I would like to open a home office and take every tax deduction possible for it after I start working. Do I set up the office before or after I get my license? I would also like to lease a luxury car [...]]]></description>
		<wfw:commentRss>http://newscredit.org/personal-finance-guide/in-work-income-always-trumps-deductions/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>White House Offers Mortgage, Student Loan Relief Programs</title>
		<link>http://newscredit.org/credit-repair-news/white-house-offers-mortgage-student-loan-relief-programs</link>
		<comments>http://newscredit.org/credit-repair-news/white-house-offers-mortgage-student-loan-relief-programs#comments</comments>
		<pubDate>Mon, 09 Apr 2012 05:16:46 +0000</pubDate>
		<dc:creator>Grace Macarthur</dc:creator>
				<category><![CDATA[Credit Repair News]]></category>
		<category><![CDATA[House]]></category>
		<category><![CDATA[White House]]></category>

		<guid isPermaLink="false">http://newscredit.org/credit-repair-news/white-house-offers-mortgage-student-loan-relief-programs</guid>
		<description><![CDATA[The Obama White House has announced two new plans to help struggling Americans better manage their debt burdens. Both measures are targeted at debts that even filing personal bankruptcy cannot always eliminate, student loans and mortgages. Here’s a look at what the debt relief programs are designed to do and how they might help you. [...]]]></description>
		<wfw:commentRss>http://newscredit.org/credit-repair-news/white-house-offers-mortgage-student-loan-relief-programs/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Social Security and Protection from Creditors</title>
		<link>http://newscredit.org/credit-repair-news/social-security-and-protection-from-creditors</link>
		<comments>http://newscredit.org/credit-repair-news/social-security-and-protection-from-creditors#comments</comments>
		<pubDate>Sat, 07 Apr 2012 08:30:28 +0000</pubDate>
		<dc:creator>Grace Macarthur</dc:creator>
				<category><![CDATA[Credit Repair News]]></category>
		<category><![CDATA[Creditors]]></category>

		<guid isPermaLink="false">http://newscredit.org/credit-repair-news/social-security-and-protection-from-creditors</guid>
		<description><![CDATA[When you fall behind in paying your creditors the money you owe them, your creditors have various powers to address the situation.  Your creditors can contact you in an attempt to receive payment, report your delinquent (or non-existent) payments to the three credit bureaus, potentially file a lawsuit against you to receive a judgment for [...]]]></description>
		<wfw:commentRss>http://newscredit.org/credit-repair-news/social-security-and-protection-from-creditors/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How to find the cheapest cash till payday loans</title>
		<link>http://newscredit.org/credit-repair-news/how-to-find-the-cheapest-cash-till-payday-loans</link>
		<comments>http://newscredit.org/credit-repair-news/how-to-find-the-cheapest-cash-till-payday-loans#comments</comments>
		<pubDate>Thu, 05 Apr 2012 12:07:19 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit Repair News]]></category>
		<category><![CDATA[payday loans]]></category>

		<guid isPermaLink="false">http://newscredit.org/?p=553</guid>
		<description><![CDATA[If you are reading this article then the chances are that you are worried about your cash flow situation and are looking for options to resolve your dilemma.  This is great news as it shows that you are responsible and practical and are thinking logically about your predicament.  Hopefully by the time you finish reading [...]]]></description>
		<wfw:commentRss>http://newscredit.org/credit-repair-news/how-to-find-the-cheapest-cash-till-payday-loans/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Budget 2012: Changes to Old Age Security</title>
		<link>http://newscredit.org/personal-finance-guide/budget-2012-changes-to-old-age-security</link>
		<comments>http://newscredit.org/personal-finance-guide/budget-2012-changes-to-old-age-security#comments</comments>
		<pubDate>Mon, 02 Apr 2012 06:42:55 +0000</pubDate>
		<dc:creator>Hayley Steele</dc:creator>
				<category><![CDATA[Personal Finance Guide]]></category>
		<category><![CDATA[Age Security]]></category>
		<category><![CDATA[Old Age]]></category>
		<category><![CDATA[Old Age Security]]></category>
		<category><![CDATA[Security]]></category>

		<guid isPermaLink="false">http://newscredit.org/personal-finance-guide/budget-2012-changes-to-old-age-security</guid>
		<description><![CDATA[The increase in the age of eligibility of the Old Age Security program in Budget 2012 was widely telegraphed in advance but there were still a few surprises. Here are the other major initiatives introduced by Finance Minister Jim Flaherty in Budget 2012: Travellers Exemptions Increased The travellers exemption is a dollar limit that Canadian [...]]]></description>
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		<slash:comments>0</slash:comments>
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