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	<title>Creditinfocenter Blog &#187; FTC</title>
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	<description>For the Up To Date News</description>
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		<title>Credit Bureaus Employ Illegal Methods to Investigate Disputes</title>
		<link>http://www.creditinfocenter.com/wordpress/2009/07/23/credit-bureaus-employ-illegal-methods-to-investigate-disputes/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2009/07/23/credit-bureaus-employ-illegal-methods-to-investigate-disputes/#comments</comments>
		<pubDate>Thu, 23 Jul 2009 15:44:30 +0000</pubDate>
		<dc:creator>Kristy Welsh</dc:creator>
				<category><![CDATA[Credit Bureaus and Scores]]></category>
		<category><![CDATA[Credit Repair]]></category>
		<category><![CDATA[Credit Reports]]></category>
		<category><![CDATA[automated investigations]]></category>
		<category><![CDATA[Congress]]></category>
		<category><![CDATA[credit report disputes]]></category>
		<category><![CDATA[eOscar]]></category>
		<category><![CDATA[Equifax]]></category>
		<category><![CDATA[FCRA]]></category>
		<category><![CDATA[FTC]]></category>
		<category><![CDATA[Good Credit]]></category>
		<category><![CDATA[information furnisher]]></category>
		<category><![CDATA[investigations]]></category>
		<category><![CDATA[Leonard Bennett]]></category>

		<guid isPermaLink="false">http://www.creditinfocenter.com/wordpress/?p=2583</guid>
		<description><![CDATA[Once again, my favorite consumer attorney, Leonard Bennett, is taking the credit bureaus to task.  He contributed to a January 2009  report to the FTC which documents the way credit bureaus investigate consumers disputes (the report was written by Chi Chi Wu).    It concludes credit bureaus are breaking the law [...]]]></description>
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		<slash:comments>6</slash:comments>
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		<item>
		<title>How Can I Consolidate my Debt without Paying Fees?</title>
		<link>http://www.creditinfocenter.com/wordpress/2009/07/21/how-can-i-consolidate-my-debt-without-paying-fees/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2009/07/21/how-can-i-consolidate-my-debt-without-paying-fees/#comments</comments>
		<pubDate>Tue, 21 Jul 2009 15:38:20 +0000</pubDate>
		<dc:creator>Kristy Welsh</dc:creator>
				<category><![CDATA[Consumer Debt]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt Settlement]]></category>
		<category><![CDATA[CCCS]]></category>
		<category><![CDATA[Consumer Credit Cousneling Service]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[debt consolidation]]></category>
		<category><![CDATA[do-it-yourself]]></category>
		<category><![CDATA[equity]]></category>
		<category><![CDATA[FTC]]></category>
		<category><![CDATA[professional debt consolidation service]]></category>
		<category><![CDATA[Seond mortgage]]></category>

		<guid isPermaLink="false">http://www.creditinfocenter.com/wordpress/?p=2485</guid>
		<description><![CDATA[Hmmm&#8230;.another one of these &#8220;How do I diet without dieting?&#8221; questions.  All sarcasm aside, this request for information is fairly common, so I thought give my thoughts on the matter.  
Q.  How Can I Consolidate my Debt without Paying Fees?
A. I assume when you say &#8220;consolidate&#8221;, you mean that you want to [...]]]></description>
		<wfw:commentRss>http://www.creditinfocenter.com/wordpress/2009/07/21/how-can-i-consolidate-my-debt-without-paying-fees/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Do Collection Agency &#8220;Cease and Desist&#8221; Letters Prevent Response to Credit Disputes?</title>
		<link>http://www.creditinfocenter.com/wordpress/2009/07/10/do-collection-agency-cease-and-desist-letters-prevent-response-to-credit-disputes/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2009/07/10/do-collection-agency-cease-and-desist-letters-prevent-response-to-credit-disputes/#comments</comments>
		<pubDate>Fri, 10 Jul 2009 10:00:06 +0000</pubDate>
		<dc:creator>Kristy Welsh</dc:creator>
				<category><![CDATA[Consumer Debt]]></category>
		<category><![CDATA[Debt Collection]]></category>
		<category><![CDATA[Legal Stuff]]></category>
		<category><![CDATA[cease and desist]]></category>
		<category><![CDATA[collection agency]]></category>
		<category><![CDATA[consumers]]></category>
		<category><![CDATA[credit disputes]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[FCRA]]></category>
		<category><![CDATA[FDCPA]]></category>
		<category><![CDATA[FTC]]></category>
		<category><![CDATA[information furnishers]]></category>
		<category><![CDATA[investigation request]]></category>
		<category><![CDATA[written request]]></category>

		<guid isPermaLink="false">http://www.creditinfocenter.com/wordpress/?p=2315</guid>
		<description><![CDATA[The FDCPA was written with an eye towards protecting consumers from collection agency harassment.  Under the FDCPA, a collection agency must cease communication with a consumer upon written request from that consumer.  
Under the Fair Credit Reporting Act, consumers are allowed to directly dispute negative listings with information furnishers.  An example of [...]]]></description>
		<wfw:commentRss>http://www.creditinfocenter.com/wordpress/2009/07/10/do-collection-agency-cease-and-desist-letters-prevent-response-to-credit-disputes/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
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		<title>FTC Report Recommends Changes to Fair Debt Collection Practices Act</title>
		<link>http://www.creditinfocenter.com/wordpress/2009/03/06/ftc-report-recommends-changes-to-fair-debt-collection-practices-act/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2009/03/06/ftc-report-recommends-changes-to-fair-debt-collection-practices-act/#comments</comments>
		<pubDate>Fri, 06 Mar 2009 14:10:28 +0000</pubDate>
		<dc:creator>Kristy Welsh</dc:creator>
				<category><![CDATA[Consumer Debt]]></category>
		<category><![CDATA[Consumer Info]]></category>
		<category><![CDATA[Debt Collection]]></category>
		<category><![CDATA[Collection Activities]]></category>
		<category><![CDATA[Debt Buying]]></category>
		<category><![CDATA[debt collectors]]></category>
		<category><![CDATA[Debt Validation]]></category>
		<category><![CDATA[Fair Credit Reporting Act]]></category>
		<category><![CDATA[Fair Debt COllection Practi]]></category>
		<category><![CDATA[FTC]]></category>
		<category><![CDATA[Reasonable Investigation]]></category>

		<guid isPermaLink="false">http://www.creditinfocenter.com/wordpress/?p=493</guid>
		<description><![CDATA[On February 26, 2009 the FTC released a recommendation to Congress for changes in the Fair Debt Collection Practices Act (FDCPA).  The recommendations were based on an October 2007 debt collection conference.  In its recommendation for changes, the FTC said that “the nature of consumer debt has changed in numerous important ways since [...]]]></description>
		<wfw:commentRss>http://www.creditinfocenter.com/wordpress/2009/03/06/ftc-report-recommends-changes-to-fair-debt-collection-practices-act/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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