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	<title>Creditinfocenter Blog</title>
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	<description>For the Up To Date News</description>
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		<title>Become Debt Free by Changing Your Lifestye</title>
		<link>http://www.creditinfocenter.com/wordpress/2009/11/20/become-debt-free-by-changing-your-lifestye/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2009/11/20/become-debt-free-by-changing-your-lifestye/#comments</comments>
		<pubDate>Fri, 20 Nov 2009 15:00:34 +0000</pubDate>
		<dc:creator>Kristy Welsh</dc:creator>
				<category><![CDATA[Consumer Debt]]></category>
		<category><![CDATA[Debt Settlement]]></category>
		<category><![CDATA[analyze finances]]></category>
		<category><![CDATA[Checking Account]]></category>
		<category><![CDATA[commitment]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[debt eleimination]]></category>
		<category><![CDATA[Debt Free]]></category>
		<category><![CDATA[discipline]]></category>
		<category><![CDATA[financial freedom]]></category>
		<category><![CDATA[goals]]></category>

		<guid isPermaLink="false">http://www.creditinfocenter.com/wordpress/?p=5297</guid>
		<description><![CDATA[If you are looking to get out of debt, there are a number of paths you can take:  a better job, entrepreneurship or you may decide to reduce your existing spending habits. However you decide to do it, the path toward financial freedom is less important than the plan. 
You can&#8217;t become debt free [...]]]></description>
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		<title>Proper Methods for Destroying Old Credit Cards</title>
		<link>http://www.creditinfocenter.com/wordpress/2009/11/19/proper-methods-destroying-old-credit-cards/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2009/11/19/proper-methods-destroying-old-credit-cards/#comments</comments>
		<pubDate>Thu, 19 Nov 2009 15:02:54 +0000</pubDate>
		<dc:creator>Cindy</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[credit card destruction tips]]></category>
		<category><![CDATA[credit card disposal]]></category>
		<category><![CDATA[credit card safety]]></category>
		<category><![CDATA[destroy old credit cards]]></category>
		<category><![CDATA[Identity Theft]]></category>
		<category><![CDATA[old credit cards]]></category>

		<guid isPermaLink="false">http://www.creditinfocenter.com/wordpress/?p=5354</guid>
		<description><![CDATA[With the theft of credit card and other personal information rapidly becoming one of the most sought after items to steal, consumers need to be extremely careful when it becomes time to say goodbye to their trusty (or abused, as the case may be) old credit card.
In years past, credit cards required expiration dates because [...]]]></description>
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		<title>Federal Bank Adds New Regulations on Overdraft Fees</title>
		<link>http://www.creditinfocenter.com/wordpress/2009/11/18/federal-bank-adds-new-regulations-on-overdraft-fees/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2009/11/18/federal-bank-adds-new-regulations-on-overdraft-fees/#comments</comments>
		<pubDate>Wed, 18 Nov 2009 14:47:40 +0000</pubDate>
		<dc:creator>Kristy Welsh</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[ATM card]]></category>
		<category><![CDATA[checking]]></category>
		<category><![CDATA[checking accounts]]></category>
		<category><![CDATA[Debit Card]]></category>
		<category><![CDATA[Federal Reserve]]></category>
		<category><![CDATA[overdraft fees]]></category>
		<category><![CDATA[overdraft legislation]]></category>
		<category><![CDATA[overdraft protection]]></category>
		<category><![CDATA[recurring debit]]></category>

		<guid isPermaLink="false">http://www.creditinfocenter.com/wordpress/?p=5308</guid>
		<description><![CDATA[In recent years, most banks started approving, rather than declining, debit and check transactions that exceeded what customers had in their accounts. The banks&#8217; rationale: consumers would rather pay $39-a-pop bounce fees, banks contend, than risk embarrassment at the checkout counter.  I don&#8217;t know about you, but I would rather have my card declined. [...]]]></description>
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		<title>I&#8217;m Not Sure What to Say In My Letter to a Collection Agency</title>
		<link>http://www.creditinfocenter.com/wordpress/2009/11/17/im-not-sure-what-to-say-in-my-letter-to-a-collection-agency/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2009/11/17/im-not-sure-what-to-say-in-my-letter-to-a-collection-agency/#comments</comments>
		<pubDate>Tue, 17 Nov 2009 15:16:52 +0000</pubDate>
		<dc:creator>Kristy Welsh</dc:creator>
				<category><![CDATA[Consumer Debt]]></category>
		<category><![CDATA[Debt Collection]]></category>
		<category><![CDATA[cease and desist]]></category>
		<category><![CDATA[collection agency]]></category>
		<category><![CDATA[Debt Settlement]]></category>
		<category><![CDATA[Debt Validation]]></category>
		<category><![CDATA[debt verification]]></category>
		<category><![CDATA[FCRA]]></category>
		<category><![CDATA[FDCPA]]></category>
		<category><![CDATA[investigation request]]></category>
		<category><![CDATA[junk debt buyer]]></category>
		<category><![CDATA[negative listing]]></category>

		<guid isPermaLink="false">http://www.creditinfocenter.com/wordpress/?p=5311</guid>
		<description><![CDATA[Many people know they need to respond to a letter or phone call from a collection agency, but they might not know exactly what to say.  In general, it&#8217;s not usually a good idea to speak to a collection agent when they call, let alone respond to a letter over the phone.  This [...]]]></description>
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