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<title>Harrine Freeman - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Harrine_Freeman</link>
<pubDate>Wed, 15 Feb 2012 10:27:24 -0600</pubDate>
<image><title>Harrine Freeman - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Harrine_Freeman</link>
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<copyright>Copyright 2012 EzineArticles.com - All Rights Reserved.</copyright>
<description><![CDATA[Harrine Freeman is the CEO and owner of H.E. Freeman Enterprises which provides credit repair services to help people restore their credit rating and develop good money management skills to pay off debts and plan for retirement. She is an energetic speaker, author, personal finance expert, and freelance writer. She was once in $19,000 in debt, only making $21,000 a year and was successfully able to get herself out of debt without filing for bankruptcy. Her knowledge and tips have helped her diverse clientele restore their credit, learn how to manage their finances and get totally out of debt. As ... ]]></description>
<lastBuildDate>Mon, 09 May 2011 15:19:14 -0500</lastBuildDate>
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<title>NFL Players Are Just Like Us</title>
<link>http://EzineArticles.com/6248460</link>
<guid>http://EzineArticles.com/6248460</guid>
<pubDate>Mon, 09 May 2011 15:19:14 -0500</pubDate>
<description><![CDATA[Many NFL players go from a low to middle class lifestyle to upper or wealthy lifestyle in an instant and are not taught how to manage their finances and are not sure who they should or should not trust. Many NFL players are taken advantage of because of their financial status.]]></description>
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<item>
<title>The CARD Act and Debit Cards</title>
<link>http://EzineArticles.com/5101117</link>
<guid>http://EzineArticles.com/5101117</guid>
<pubDate>Wed, 29 Sep 2010 07:45:48 -0500</pubDate>
<description><![CDATA[The CARD Act that went into effective on February 22, 2010 has resulted hundreds of changes to credit cards but did you know that the CARD also affects debit cards? Well here are some changes about debit cards you should know about. These new changes implemented by the Federal Reserve went into effect on July 1, 2010.]]></description>
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<title>Gold Conversion - Quick Cash Or Fraud</title>
<link>http://EzineArticles.com/3111207</link>
<guid>http://EzineArticles.com/3111207</guid>
<pubDate>Wed, 21 Oct 2009 09:33:38 -0500</pubDate>
<description><![CDATA[On the rare occasions when I watch television I always see this commercial from a company called Cash for Gold with the saying - Trade in your unused gold for cash.  The commercial shows several people who turned in gold and received money usually a few hundred dollars.]]></description>
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<title>A Glimmer of Hope For Home Owners</title>
<link>http://EzineArticles.com/2805174</link>
<guid>http://EzineArticles.com/2805174</guid>
<pubDate>Tue, 25 Aug 2009 22:47:16 -0500</pubDate>
<description><![CDATA[In 2008, mortgage fraud cost homeowners approximately $2.5 billion. According to the IRS, in 2008, there were 349 real estate fraud cases investigated and 136 convictions. There have been 2,268,108 foreclosures this year and counting. Over 360,000 foreclosures occurred in the month of July.  Approximately 618,217 people have filed for bankruptcy so far this year.]]></description>
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<title>Pay Off Medical Bills Through Bartering</title>
<link>http://EzineArticles.com/2805152</link>
<guid>http://EzineArticles.com/2805152</guid>
<pubDate>Tue, 25 Aug 2009 22:37:53 -0500</pubDate>
<description><![CDATA[Medical bills are one of the main reasons Americans file for bankruptcy. Many Americans opt out of buying health insurance due to the high premiums and co-payments.  This can have a ripple effect on individuals and families.  Americans who do not have health insurance are generally not in good health, don't have a retirement account or disability insurance and can never afford to take off work to go for a doctor's visit. The U.S. spends the most on healthcare than any other country yet Americans are the most unhealthy people in the world.]]></description>
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<title>Help to Fix Credit Report Errors</title>
<link>http://EzineArticles.com/2621811</link>
<guid>http://EzineArticles.com/2621811</guid>
<pubDate>Sat, 18 Jul 2009 07:28:06 -0500</pubDate>
<description><![CDATA[Agencies that enforce the rules and regulations of the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) and the Federal Trade Commission (FTC) have proposed new rules to promote the accuracy and integrity of information provided to consumer credit reporting agencies (CRAs or credit bureaus) and to allow customers to dispute inaccurate information directly with them. Sometimes credit report errors can be major. ]]></description>
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<title>Is Rent to Own a Good Option?</title>
<link>http://EzineArticles.com/2567218</link>
<guid>http://EzineArticles.com/2567218</guid>
<pubDate>Wed, 08 Jul 2009 10:45:50 -0500</pubDate>
<description><![CDATA[Some businesses are losing sales and are considering filing for bankruptcy or dissolving their business due to the recession. However, many businesses are thriving with increased sales and taking advantage of consumers needs. One such example is companies that provide rent-to-own merchandise.  Many of these companies are doing more advertisements to attract customers.]]></description>
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<title>4 Student Loan Forgiveness Tips</title>
<link>http://EzineArticles.com/2430077</link>
<guid>http://EzineArticles.com/2430077</guid>
<pubDate>Thu, 04 Jun 2009 10:09:41 -0500</pubDate>
<description><![CDATA[Many college students are struggling to pay back student loan debt due to lower paying jobs and difficulty in finding a job in this economy.  The average college student graduates with over $20,000 in student loan debt and many also have credit card debt.  It can take an entire lifetime to pay back student loan and credit card debt if you just send in the minimum monthly payment.  Some common solutions are to live below your means, work multiple jobs, work overtime or live at home with your parents for as long as possible.]]></description>
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<title>Stop Annoying Creditors Calls</title>
<link>http://EzineArticles.com/2299557</link>
<guid>http://EzineArticles.com/2299557</guid>
<pubDate>Mon, 04 May 2009 22:20:14 -0500</pubDate>
<description><![CDATA[Creditors call you at work, home and on your cell phone day and night sometimes every hour on the hour asking for payment.  Due to the recession the harassing calls from creditors have increased and have gotten more unprofessional.  In some instances consumers are unemployed and therefore can't send a payment but creditors don't care, they want their money and will do just about anything to get it - even lie.]]></description>
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<item>
<title>The New FICO Score</title>
<link>http://EzineArticles.com/1967072</link>
<guid>http://EzineArticles.com/1967072</guid>
<pubDate>Tue, 10 Feb 2009 09:26:07 -0600</pubDate>
<description><![CDATA[With all of the worry regarding the recession, job loss, rising prices of food and medical costs, we know have something else to worry about.  Currently we have 2 main types of credit scores, the FICO credit score and the Vantage credit score. However, Fair Isaac sued the three credit bureaus in 2006, accusing them of unfair and uncompetitive practices that it said harmed the FICO brand regarding use of the Vantage score.]]></description>
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<title>Bankruptcy Filers Get a Second Chance</title>
<link>http://EzineArticles.com/1649231</link>
<guid>http://EzineArticles.com/1649231</guid>
<pubDate>Wed, 05 Nov 2008 11:36:37 -0600</pubDate>
<description><![CDATA[The 2008 financial crisis resulted in a credit freeze and implementation of the $700 billion dollar bailout plan will cause many Americans to feel the burden regarding their existing credit card accounts or when applying for new lines of credit or credit cards.    Well, thanks to several Americans who were fed up with the inaccuracies reported by the credit bureaus a recent court ruling which occurred due to a class action lawsuit that was filed against the 3 major credit bureaus, Experian, Equifax and TransUnion stated that Experian, Equifax and TransUnion violated the Fair Credit Reporting Act (FCRA) by failing to maintain accurate records related to Chapter 7 bankruptcies.]]></description>
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<title>How the New Federal Minimum Wage Will Affect You</title>
<link>http://EzineArticles.com/1492903</link>
<guid>http://EzineArticles.com/1492903</guid>
<pubDate>Tue, 16 Sep 2008 11:37:28 -0500</pubDate>
<description><![CDATA[The Federal Minimum Wage increased on July 24, 2008 to $6.55.  This raised the minimum wage by $.70.   Approximately 2 million Americans make minimum wage.  This results in approximately an additional $5.60 a day, $28 a week and $112 a month for a 5 day work week. An additional increase will occur next year and raise the minimum wage to $7.25 an hour.]]></description>
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<title>6 Ways to Protect Your Money</title>
<link>http://EzineArticles.com/1417999</link>
<guid>http://EzineArticles.com/1417999</guid>
<pubDate>Tue, 19 Aug 2008 09:23:31 -0500</pubDate>
<description><![CDATA[On Friday, July 11, 2008 one of the largest banks in the county IndyMac, sadly closed its door.  Customers were turned away and forced to wait until Monday to make their transactions.  This is the second largest failure of a financial institution.  On July 14, 2008, the bank will be taken over by the FDIC.  Customers who have $100,000 or less in the bank will be able to get their money bank. Customers who have more may only get a portion of their money bank.  This action brings more light to the economic crisis our country is experiencing.  Take heed to this and start changing your spending habits and develop a plan to protect yourself.  Here are 6 ways to protect your money.]]></description>
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<title>Should You Consolidate Your Debt</title>
<link>http://EzineArticles.com/1295445</link>
<guid>http://EzineArticles.com/1295445</guid>
<pubDate>Thu, 10 Jul 2008 19:34:44 -0500</pubDate>
<description><![CDATA[Many Americans are in debt and more are going into debt every day due to high cost of gas, food, clothing, utilities and housing. Many Americans don't have enough money to pay even basic necessities and have to resort to using a credit card to buy food and gas. This has caused many Americans to owe thousands of dollars in credit card debt. Luckily there are many options available to eliminate or reduce debt. One option that can be used to eliminate or reduce debt is debt consolidation.]]></description>
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<title>How to Repair Your Credit</title>
<link>http://EzineArticles.com/1078979</link>
<guid>http://EzineArticles.com/1078979</guid>
<pubDate>Tue, 01 Apr 2008 15:14:32 -0500</pubDate>
<description><![CDATA[Your credit is your financial identity - your financial DNA - your financial resume.  Your credit is one of the most important aspects of your life and can help you or hurt you during the course of your life.  Credit affects many aspects of your life such as applying for a job, applying for a home or apartment, or applying for a personal loan or credit.  Don't be discouraged if you have bad credit.  You can restore your credit and still achieve your financial goals.]]></description>
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<title>5 Ways to Get Rid of Debt</title>
<link>http://EzineArticles.com/1005641</link>
<guid>http://EzineArticles.com/1005641</guid>
<pubDate>Tue, 26 Feb 2008 08:15:47 -0600</pubDate>
<description><![CDATA[Don't dwell on the financial mistakes you made last year.  Hold your head up high even though you may be in debt. Think about how you can change your spending habits, eliminate debt, create a spending plan for yourself.]]></description>
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<title>8 New Year's Commitments for 2008</title>
<link>http://EzineArticles.com/904393</link>
<guid>http://EzineArticles.com/904393</guid>
<pubDate>Wed, 02 Jan 2008 09:49:34 -0600</pubDate>
<description><![CDATA[This New Year develop commitments for 2008 instead of resolutions. Many times resolutions are forgotten about after the January 31st.  By making commitments you will be more determined to achieve these goals because they will be things you want to achieve and need to achieve.  These commitment are things you can do throughout the year to improve your life.  ]]></description>
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<title>6 Ways to Deal With Foreclosure</title>
<link>http://EzineArticles.com/889137</link>
<guid>http://EzineArticles.com/889137</guid>
<pubDate>Thu, 20 Dec 2007 11:43:38 -0600</pubDate>
<description><![CDATA[Put away those credit cards and stop charging if you are facing foreclosure. Contact your lender immediately and put yourself on a budget quickly. Monitor your finances until your other debts are paid off so you do not get into the same situation in the future. Whatever decision you make get it in writing from your lender. Consult a tax advisor to determine rules regarding foreclosure.  Ask the lender if the foreclosure option chosen will be reported on your credit report. ]]></description>
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<title>Instant Grati Syndrome</title>
<link>http://EzineArticles.com/761635</link>
<guid>http://EzineArticles.com/761635</guid>
<pubDate>Wed, 03 Oct 2007 15:10:35 -0500</pubDate>
<description><![CDATA[As a baby when you cried your mother or father came running to take care of you.  As a toddler when you cried your parents hugged or talked to you until you stopped.  As a teenager when you wanted something you talked really nice and sweet to your parents to get it.  Throughout your life you may have received gratification instantly so as an adult it is only natural for you to believe that you should continue to receive this treatment.  Unfortunately, this attitude affects every aspect of your life even your spending habits.  ]]></description>
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<title>Applying for a Mortgage Loan - Is Your Information Safe</title>
<link>http://EzineArticles.com/673972</link>
<guid>http://EzineArticles.com/673972</guid>
<pubDate>Tue, 07 Aug 2007 09:33:06 -0500</pubDate>
<description><![CDATA[For approximately the past two years the mortgage industry has provided personal information to other lenders and partners when a consumer applies for a loan. I know this is shocking. I was just as shocked as you are when I found out.  As soon as the ink dries on your mortgage application your information is sold to other lenders.  In one or two days your phone starts ringing off the hook with calls from other lenders trying to offer you a better deal.  This process is called a "trigger lead." ]]></description>
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<title>10 Easy Ways for Single Parents to Save Money</title>
<link>http://EzineArticles.com/622946</link>
<guid>http://EzineArticles.com/622946</guid>
<pubDate>Thu, 28 Jun 2007 11:54:02 -0500</pubDate>
<description><![CDATA[In 2006, according to the US Census Bureau, there were approximately 14 million single parents in the United States, and those parents are responsible for raising 21.6 million children. Eight three percent of single parents are mothers and 30.3 percent of all single parents receive public assistance.

Child care subsidies and public health insurance can help with closing the gap between low income and what it takes to make ends meet. Not all low-income families receive the benefits for which they are financially eligible. ]]></description>
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<title>7 Tips for Planning a Summer Vacation</title>
<link>http://EzineArticles.com/619520</link>
<guid>http://EzineArticles.com/619520</guid>
<pubDate>Tue, 26 Jun 2007 09:00:46 -0500</pubDate>
<description><![CDATA[Every loves to travel during the summer. The kids are out of school, the work load is not as high, and airlines compete for your business.  As Americans we work between 8-12 hours days, rush to work, rush to get the kids, rush home, rush to come dinner and then repeat the entire process all over again the next day.  We need to slow down and take time out to relax. ]]></description>
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<title>Writing Christian and Inspirational Literature</title>
<link>http://EzineArticles.com/577117</link>
<guid>http://EzineArticles.com/577117</guid>
<pubDate>Thu, 24 May 2007 13:49:26 -0500</pubDate>
<description><![CDATA[As Christians we are inspired by the stories in the bible.  We are inspired by various life events and experiences.  Jesus inspired followers of him through parables and stories.  As followers of Christ we should inspire other Christians and non-Christians through our writing.  Our stories can provide support, encouragement and faith to those who do not believe or are struggling with staying on the right path to being saved.]]></description>
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<title>8 Ways to Pay Off Student Loans Debt</title>
<link>http://EzineArticles.com/577113</link>
<guid>http://EzineArticles.com/577113</guid>
<pubDate>Thu, 24 May 2007 13:44:24 -0500</pubDate>
<description><![CDATA[A recent study by the National Center for Education Statistics shows that 50% of recent college graduate have student loans, with an average student loan debt of $10,000. The average cost of college increases at twice the rate of inflation. With the rising costs of college it is difficult for aspiring colleges students to get enough scholarships and grants to pay for college and basic necessities.  More and more college students are forced to use credit cards to pay for basic essentials such as books and school supplies.  According to the United Marketing Service (UCMS) the average number of credit cards per student is 2.8.  ]]></description>
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<title>Credit Card Blocking</title>
<link>http://EzineArticles.com/571667</link>
<guid>http://EzineArticles.com/571667</guid>
<pubDate>Mon, 21 May 2007 12:43:57 -0500</pubDate>
<description><![CDATA[Credit Card blocking or a credit card hold is when a business places a hold on your credit card sometimes more than the total amount that is owed for a reservation such as at a hotel, rental car, etc.  When you use your credit card at registration for a hotel or to rent a car, the cashier will contact your credit card company and provide an estimated total of your bill. If the transaction is approved, then that amount is held in reserve. In addition to the actual cost of staying in the hotel or renting a car the clerk may tack on reasonable "incidental" costs for such items as food or gasoline.  ]]></description>
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<title>7 Ways to Ensure You're Paying the Right Creditor</title>
<link>http://EzineArticles.com/571636</link>
<guid>http://EzineArticles.com/571636</guid>
<pubDate>Mon, 21 May 2007 12:27:05 -0500</pubDate>
<description><![CDATA[Many consumers do not know that once a delinquent account is reported to a collection agency a consumer has a short amount of time to pay the bill.  This is because collection accounts are put on a nationwide registry and each collection agency in the country gets notified of a collection account.  However, only one collection agency has a legal right to collect money on a delinquent account.]]></description>
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<title>Collection Accounts Demystified</title>
<link>http://EzineArticles.com/571438</link>
<guid>http://EzineArticles.com/571438</guid>
<pubDate>Mon, 21 May 2007 09:43:33 -0500</pubDate>
<description><![CDATA[A collection account is defined as a delinquent account that has been forwarded to a collection agency (also known as a collection agent) for lack of non-payment.  An account is forwarded to a collection agency usually when an account becomes 90 to 120 days late.  Collection accounts are purchased from the original creditors for a fraction of the original amount owed.  Creditors send accounts to collection agencies to remove them from their accounts receivables records and then write-off the full debt owed as a loss.  Creditors benefit in two ways, one for writing off the debt as a loss on their taxes and two when the money is collected which can be recorded as a profit or accounts receivable.  ]]></description>
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<title>Even People With Good Credit Are Penalized</title>
<link>http://EzineArticles.com/571378</link>
<guid>http://EzineArticles.com/571378</guid>
<pubDate>Mon, 21 May 2007 08:28:43 -0500</pubDate>
<description><![CDATA[By now everyone is aware of the Vantage credit scoring system developed by the three major credit bureaus Equifax, Experian and TransUnion that grades consumers on a grading scale of A-F.  I have done extensive research but have yet to find out how lenders will use this score or what lenders will choose to use the Vantage score as opposed to the FICO score.  Will they be flexible in their analysis and look at the actual score or just look at the grade of A-F.?  Unfortunately, no one knows for sure.  For now, when applying for a loan ask the lender which credit score they are using. ]]></description>
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<title>5 Ways to Stop Living Paycheck to Paycheck</title>
<link>http://EzineArticles.com/568031</link>
<guid>http://EzineArticles.com/568031</guid>
<pubDate>Fri, 18 May 2007 10:39:39 -0500</pubDate>
<description><![CDATA[Over one million Americans file for personal bankruptcy every year.  The average American household has 10 credit cards.  People are living above their means.  Americans are drowning in debt and the problem is getting worse.  Many people are foreclosing on their homes will be forced to live on the street because they are in so much debt. 

Many Americans spend their entire paycheck the same day of within a week of being paid.  ]]></description>
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<title>5 Ways to Become Financially Empowered</title>
<link>http://EzineArticles.com/518328</link>
<guid>http://EzineArticles.com/518328</guid>
<pubDate>Sun, 08 Apr 2007 06:19:40 -0500</pubDate>
<description><![CDATA[Wealth is defined as the value of everyone you own minus any debts. A wealthy person is described as someone who can live comfortably for a least 5 years without working. Not everyone during his or her lifetime may become wealthy but you can become financially empowered. Financially empowered is being in control of your finances, spending your money responsibly, buy needs more often than buying wants, and setting goals for your future.]]></description>
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<title>Why Late Payments Haunt You For 7 Years</title>
<link>http://EzineArticles.com/518322</link>
<guid>http://EzineArticles.com/518322</guid>
<pubDate>Sun, 08 Apr 2007 06:18:39 -0500</pubDate>
<description><![CDATA[Did you ever wonder why a negative item has to stay on your credit report for 7 years. This question has been circulated for many years and no one was able to give an answer other than that is what is stated in the Fair Credit Reporting Act (FCRA). I always wondered what the answer was myself but was never satisfied justing knowing that someone just decided to use the magic number 7.]]></description>
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<title>Warning-Transferring Credit Card Debt May Be Hazardous to Your Financial Health</title>
<link>http://EzineArticles.com/441321</link>
<guid>http://EzineArticles.com/441321</guid>
<pubDate>Tue, 06 Feb 2007 09:50:26 -0600</pubDate>
<description><![CDATA[Credit card companies now make it so easy to transfer one credit card balance to another. We get so bombarded with all the advertisements for balance transfers it's hard to decide what company to do business with.   
]]></description>
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<title>Why Having a Budget Is the First Step to Getting Out of Debt</title>
<link>http://EzineArticles.com/441338</link>
<guid>http://EzineArticles.com/441338</guid>
<pubDate>Tue, 06 Feb 2007 09:04:36 -0600</pubDate>
<description><![CDATA[Many people constantly complain about being in debt but when you ask do you have a budget, do you know how much you owe, or when you suggest they cut back on expenses they look at you as if you are speaking a foreign language, or they just plain out refuse.  I am always amazed at this, how can you ever get out of debt if you don't change your mindset, if you aren't willing to work hard and make sacrifices.  There is no quick fix or cure all to get out of debt.  It takes a long time to get in debt and you will not get out of debt overnight.  ]]></description>
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<item>
<title>Why You Need an Emergency Fund</title>
<link>http://EzineArticles.com/440789</link>
<guid>http://EzineArticles.com/440789</guid>
<pubDate>Mon, 05 Feb 2007 16:44:49 -0600</pubDate>
<description><![CDATA[Many Americans today don't have a savings account or emergency fund.  I heard on the news on recently that the Commerce Department reported that Americans spend all the money they have and personal savings rates reached the lowest level since the Great Depression. ]]></description>
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<title>Understanding Credit Scoring</title>
<link>http://EzineArticles.com/440791</link>
<guid>http://EzineArticles.com/440791</guid>
<pubDate>Mon, 05 Feb 2007 16:25:51 -0600</pubDate>
<description><![CDATA[Your credit score it is one of the most critical factors in your financial life.  It determines if you will be approved for a purchase or line of credit.  A credit score is a mathematically calculated number used by the Fair Isaac Corporation (FICO) that lenders use to rate potential customers in determining the likelihood that a customer will pay their bills on time. ]]></description>
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<item>
<title>Is Bankrutpcy A Solution Or Headache?</title>
<link>http://EzineArticles.com/406065</link>
<guid>http://EzineArticles.com/406065</guid>
<pubDate>Wed, 10 Jan 2007 10:49:27 -0600</pubDate>
<description><![CDATA[One of the biggest myths is that if you file for bankruptcy you will be financially free and no longer have debt problems. Wrong! Bankruptcy is not the cure-all for getting out of debt. Over a million Americans file for bankruptcy every year. One in every 73 households files for bankruptcy. In 2005, 2 million Americans filed for personal bankruptcies. ]]></description>
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<title>Pay Now Or Later - Debit Vs Credit</title>
<link>http://EzineArticles.com/333418</link>
<guid>http://EzineArticles.com/333418</guid>
<pubDate>Wed, 25 Oct 2006 08:05:53 -0500</pubDate>
<description><![CDATA[Be cautious when using a debit card because some banks process debit charges although insufficient funds are in the account which converts the debit transaction to a credit transaction.  This is because there are no laws requiring prior approval to process the transaction.  A consumer will be charged $30 for every transaction that occurs when the account is overdrawn. So think twice before using a debit card or credit card.]]></description>
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<title>Should You Use a Credit Repair Counseling Agency or Credit Repair Service</title>
<link>http://EzineArticles.com/308981</link>
<guid>http://EzineArticles.com/308981</guid>
<pubDate>Wed, 27 Sep 2006 14:01:41 -0500</pubDate>
<description><![CDATA[All credit counseling agencies or credit repair companies are not bad. Some are able to assist with repairing your credit and increase your credit score. However, like with any industry they are some companies that end up putting you more in debt and don't repair your credit. ]]></description>
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<item>
<title>How to Deal With Rude Creditors</title>
<link>http://EzineArticles.com/297131</link>
<guid>http://EzineArticles.com/297131</guid>
<pubDate>Thu, 14 Sep 2006 11:22:27 -0500</pubDate>
<description><![CDATA[Are you tired of creditors calling your house day and night? Are you tired of creditors being rude and asking for a payment every hour on the hour. Well, you can stop it.]]></description>
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<item>
<title>Should You Buy Insurance</title>
<link>http://EzineArticles.com/297147</link>
<guid>http://EzineArticles.com/297147</guid>
<pubDate>Thu, 14 Sep 2006 11:03:30 -0500</pubDate>
<description><![CDATA[Insurance is a Necessary Evil.  Insurance is a preventive measure and you want to have insurance in case as Chris Rocks says, "stuff happens".  If you don't have insurance and something happens where you need it, the result could be financially crippling.]]></description>
</item>
<item>
<title>Good Debt Versus Bad Debt</title>
<link>http://EzineArticles.com/297102</link>
<guid>http://EzineArticles.com/297102</guid>
<pubDate>Wed, 13 Sep 2006 15:54:29 -0500</pubDate>
<description><![CDATA[Are You in Debt? Do you have good debt or bad debt? Not all debt is bad, it only becomes bad when you become deliquent. ]]></description>
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