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	<title>Credit and Debt Help</title>
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	<description>Credit, Credit Repair, and Debt Management</description>
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		<title>Common Warning Signs of Impending Debt Trouble</title>
		<description><![CDATA[Sometimes debt issues can materialize very suddenly, such as with the unexpected loss of a job, but in most cases debt problems do not arise overnight. Usually they grow over a period of months and years. People who are dealing with a serious debt problem are nearly always very aware of it. In contrast, it [...]]]></description>
		<link>http://creditndebthelp.com/featured/common-warning-signs-of-impending-debt-trouble/</link>
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		<title>Debt Proof Living – The Complete Guide to Living Financially Free</title>
		<description><![CDATA[One of the most highly rated self-help books on getting out of debt is Debt-Proof Living: The Complete Guide to Living Financially Free by Mary Hunt. Reader reviews of this book have consistently been very positive. If you are looking for an understandable, doable game plan for getting your debt under control and putting your [...]]]></description>
		<link>http://creditndebthelp.com/featured/debt-proof-living-%e2%80%93-the-complete-guide-to-living-financially-free/</link>
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		<title>Should I Try to Fix My Credit Myself</title>
		<description><![CDATA[In today&#8217;s tough economic times, with the epidemic of job losses, foreclosures, credit card defaults, and bankruptcies, a growing number of people are finding that their credit is in need of improvement. Unfortunately, many of these people don&#8217;t feel that they can afford to get professional credit repair help, and they have no idea how [...]]]></description>
		<link>http://creditndebthelp.com/credit-help-3/credit-repair/should-i-try-to-fix-my-credit-myself/</link>
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		<title>How the Credit CARD Act of 2009 Saves You Money</title>
		<description><![CDATA[The Credit CARD Act of 2009 has been pretty well received by many consumer advocates because, despite its weaknesses, it establishes a number of new regulations that help protect consumers from some of the unsavory practices of the credit card industry. There are a number of different ways in which the protections provided by this [...]]]></description>
		<link>http://creditndebthelp.com/credit-help-3/how-the-credit-card-act-of-2009-saves-you-money/</link>
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		<title>Three Ways to Get a Handle on Credit Card Debt</title>
		<description><![CDATA[Credit cards are a wonderful convenience because they offer us the freedom to buy something now and pay for it later. Unfortunately, many people use them to buy more than they can actually afford, and before they realize it, all the different purchases have snowballed into a massive amount of debt. If you are one [...]]]></description>
		<link>http://creditndebthelp.com/debt-help/debt-management/three-ways-to-get-a-handle-on-credit-card-debt/</link>
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		<title>The Credit CARD Act of 2009:  New Protection for Consumers</title>
		<description><![CDATA[In May of 2009, the U.S. Congress passed the Credit Card Accountability, Responsibility and Disclosure (or Credit CARD) Act. While certainly not everything that consumer advocates have wanted, this new law offers a number of valuable safeguards for credit card users. In this article I will briefly highlight several key components of this important consumer [...]]]></description>
		<link>http://creditndebthelp.com/credit-help-3/the-credit-card-act-of-2009-new-protection-for-consumers/</link>
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		<title>Monitoring Your Credit Report: Pros and Cons of Three Different Strategies</title>
		<description><![CDATA[Although there seems to be much greater awareness now about the importance of checking our credit reports periodically, many people still aren&#8217;t sure about exactly how to monitor their credit. In this article, I will identify three different ways in which consumers can monitor their credit, and I will also discuss the advantages and disadvantages [...]]]></description>
		<link>http://creditndebthelp.com/credit-help-3/monitoring-your-credit-report-pros-and-cons-of-three-different-strategies/</link>
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		<title>Why You Should Monitor Your Credit Report on a Regular Basis</title>
		<description><![CDATA[Are you monitoring your credit on a regular basis? If not, then you should be. There are two main reasons why it is so important that you do so. First of all, regular monitoring is advisable in order to ensure the accuracy of your credit report. The information contained in your report can directly affect [...]]]></description>
		<link>http://creditndebthelp.com/credit-help-3/why-you-should-monitor-your-credit-report-on-a-regular-basis/</link>
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		<title>Improving Your Credit Score: Common Myths and Misconceptions</title>
		<description><![CDATA[By Art Garmon, Ph.D. Because credit scores have become such an integral part of our financial lives, it is important to understand what they&#8217;re all about. Unfortunately, though, one survey has revealed that many Americans don&#8217;t really understand credit scores or how they work. This article will address some of the most common myths and [...]]]></description>
		<link>http://creditndebthelp.com/credit-help-3/improving-your-credit-score-common-myths-and-misconceptions/</link>
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		<title>Do I Need to Fix My Credit?</title>
		<description><![CDATA[How do you know whether or not you need credit repair? Well, if your applications for loans and credit cards are being turned down repeatedly, then obviously your credit needs fixing. For many people, though, the need for repairing their credit is much less obvious. Credit scores range between 300 and 850, with the national [...]]]></description>
		<link>http://creditndebthelp.com/credit-help-3/do-i-need-to-fix-my-credit/</link>
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