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	<title>Credit Repair Blog</title>
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	<link>http://www.credit-mending.com/blog</link>
	<description>Learn about Credit Mending's credit repair services.</description>
	<pubDate>Thu, 21 Jan 2010 02:18:19 +0000</pubDate>
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		<title>Bankruptcy Filings are Soaring</title>
		<link>http://www.credit-mending.com/blog/bankruptcy-filings-are-soaring-2010-01-20/</link>

		<description><![CDATA[Bankruptcy declarations are soaring as economic troubles continue. A record-breaking number of businesses and individuals have filed for bankruptcy in 2009 so far. The number of filings is the highest it has been since the 4th quarter of 2005. The numbers are up drastically from this time last year as well. Learn more about the country\'s bankruptcy plague here.]]></description>
			<content:encoded><![CDATA[Bankruptcy declarations are soaring as economic troubles continue. A record-breaking number of businesses and individuals have filed for bankruptcy in 2009 so far. The number of filings is the highest it has been since the 4th quarter of 2005. The numbers are up drastically from this time last year as well. Learn more about the country\'s bankruptcy plague here.]]></content:encoded>
			</item>
		<item>
		<title>Homebuyer Tax Credit Fraud Persists</title>
		<link>http://www.credit-mending.com/blog/homebuyer-tax-credit-fraud-2009-10-29/</link>

		<description><![CDATA[The first-time homebuyer tax credit of $8,000 has been wildly popular since its debut in February of 2008. Since then, about 1.5 million tax returns have claimed the credit. However, a recent probe by the IRS has discovered rampant fraud. Apparently, tens of thousands of credits have been paid out to those who don't qualify. Read on to learn why these cases of fraud may hurt the program's future.]]></description>
			<content:encoded><![CDATA[The first-time homebuyer tax credit of $8,000 has been wildly popular since its debut in February of 2008. Since then, about 1.5 million tax returns have claimed the credit. However, a recent probe by the IRS has discovered rampant fraud. Apparently, tens of thousands of credits have been paid out to those who don't qualify. Read on to learn why these cases of fraud may hurt the program's future.]]></content:encoded>
			</item>
		<item>
		<title>Text Message Credit Fraud on the Rise</title>
		<link>http://www.credit-mending.com/blog/text-message-credit-fraud-on-the-rise-2009-10-16/</link>

		<description><![CDATA[Everyone knows to beware of fraudulent phone calls and emails. Identity thieves frequently target the inboxes of their victims to get sensitive information. Now consumers even have to be vigilant about the text messages they receive. Increasingly, identity thieves are soliciting personal information from victims via fraudulent text messages. Read on to learn more about text message credit fraud.]]></description>
			<content:encoded><![CDATA[Everyone knows to beware of fraudulent phone calls and emails. Identity thieves frequently target the inboxes of their victims to get sensitive information. Now consumers even have to be vigilant about the text messages they receive. Increasingly, identity thieves are soliciting personal information from victims via fraudulent text messages. Read on to learn more about text message credit fraud.]]></content:encoded>
			</item>
		<item>
		<title>Why is it So Hard to Get a Credit Card Today?</title>
		<link>http://www.credit-mending.com/blog/why-its-so-hard-to-get-a-credit-card-2009-10-08/</link>

		<description><![CDATA[The credit card process will remain the same amongst the many different credit card companies. However, the factors they look at will vary. One credit card company will base their decision more on the type of credit you already have whereas another credit card company will look more at the amount of debt you already have. The economy will also have an effect on the approval of your credit card application. All of this combined will determine whether or not you are approved for a line of credit.]]></description>
			<content:encoded><![CDATA[The credit card process will remain the same amongst the many different credit card companies. However, the factors they look at will vary. One credit card company will base their decision more on the type of credit you already have whereas another credit card company will look more at the amount of debt you already have. The economy will also have an effect on the approval of your credit card application. All of this combined will determine whether or not you are approved for a line of credit.]]></content:encoded>
			</item>
		<item>
		<title>Could Your Credit Report Prevent You from Landing a Job?</title>
		<link>http://www.credit-mending.com/blog/credit-report-and-landing-a-job-2009-09-30/</link>

		<description><![CDATA[Your credit report affects more than the interest rate you pay when you apply for a loan.  Some employers look at your credit report to decide on whether you hire you or not.  Many feel that there is a link between a poor credit report and poor job performance.  If you are looking for a job, and your credit report is not what you would like it to be, you may want get credit repair help.  Credit-mending.com has helped many people improve their credit in the past.]]></description>
			<content:encoded><![CDATA[Your credit report affects more than the interest rate you pay when you apply for a loan.  Some employers look at your credit report to decide on whether you hire you or not.  Many feel that there is a link between a poor credit report and poor job performance.  If you are looking for a job, and your credit report is not what you would like it to be, you may want get credit repair help.  Credit-mending.com has helped many people improve their credit in the past.]]></content:encoded>
			</item>
		<item>
		<title>Beware of First-Time Homebuyer Credit Fraud</title>
		<link>http://www.credit-mending.com/blog/first-time-homebuyer-credit-fraud-2009-09-23/</link>

		<description><![CDATA[The $8,000 first-time homebuyer federal tax credit provides a serious incentive to homebuyers who are looking to maximize their home purchase. Made available to those buyers who have not owned a home in at least three years, the credit can reduce your tax burden significantly, all while assisting the lagging real estate market and giving a boost to the economy. But it’s your responsibility to follow the rules and file your taxes accordingly. If you or your accountant commits tax fraud, the IRS will find out. There are already two-dozen such investigations going on related to the tax credit; make sure you file your documents correctly and protect yourself.]]></description>
			<content:encoded><![CDATA[The $8,000 first-time homebuyer federal tax credit provides a serious incentive to homebuyers who are looking to maximize their home purchase. Made available to those buyers who have not owned a home in at least three years, the credit can reduce your tax burden significantly, all while assisting the lagging real estate market and giving a boost to the economy. But it’s your responsibility to follow the rules and file your taxes accordingly. If you or your accountant commits tax fraud, the IRS will find out. There are already two-dozen such investigations going on related to the tax credit; make sure you file your documents correctly and protect yourself.]]></content:encoded>
			</item>
		<item>
		<title>Shopping at Thrift Stores Could Raise Your Interest Rates</title>
		<link>http://www.credit-mending.com/blog/shopping-thrift-stores-can-raise-interest-rates-2009-09-16/</link>

		<description><![CDATA[Many consumers mistakenly believe that as long as the pay their bills on time, their interest rates will not increase. In reality, your creditors are watching you much more closely than that. They monitor where and how you spend your money and use the information to determine your interest rates. For example, if you shop at thrift stores, your creditor might view it as a sign of financial trouble and raise your rates. Learn more about why you should be careful where you spend your money here.]]></description>
			<content:encoded><![CDATA[Many consumers mistakenly believe that as long as the pay their bills on time, their interest rates will not increase. In reality, your creditors are watching you much more closely than that. They monitor where and how you spend your money and use the information to determine your interest rates. For example, if you shop at thrift stores, your creditor might view it as a sign of financial trouble and raise your rates. Learn more about why you should be careful where you spend your money here.]]></content:encoded>
			</item>
		<item>
		<title>Why the Number of Bankruptcy Cases is Soaring</title>
		<link>http://www.credit-mending.com/blog/number-of-bankruptcy-cases-soaring-2009-09-10/</link>

		<description><![CDATA[The economy is always going up and down. At one point the job market may be booming with opportunities. At other times there could be a lot of companies cutting jobs. The unstable economy can have a lot of different effects. This can lead to many people filing for bankruptcy.]]></description>
			<content:encoded><![CDATA[The economy is always going up and down. At one point the job market may be booming with opportunities. At other times there could be a lot of companies cutting jobs. The unstable economy can have a lot of different effects. This can lead to many people filing for bankruptcy.]]></content:encoded>
			</item>
		<item>
		<title>7 Warning Signs You Have Too Much Debt</title>
		<link>http://www.credit-mending.com/blog/7-warning-signs-you-have-too-much-debt-2009-08-25/</link>

		<description><![CDATA[Too much debt is bad.  Getting out of debt is good.  Managing your debt is good too.  You should take care you don’t get into too much debt.  You can get out of debt a variety of ways.  Debt negotiation can help.  Debt relief brings stress relief.]]></description>
			<content:encoded><![CDATA[Too much debt is bad.  Getting out of debt is good.  Managing your debt is good too.  You should take care you don’t get into too much debt.  You can get out of debt a variety of ways.  Debt negotiation can help.  Debt relief brings stress relief.]]></content:encoded>
			</item>
		<item>
		<title>Alternatives for Anyone Considering Bankruptcy</title>
		<link>http://www.credit-mending.com/blog/bankruptcy-alternatives-2009-08-17/</link>

		<description><![CDATA[Declaring bankruptcy may make sound financial sense for some people, but it can also be dangerous. It damages your credit score for many years and will make borrowing money a difficult task. There are alternatives to declaring bankruptcy though. Debt consolidation and debt negotiation both make excellent options. Taking out a home equity loan can also allow you to repay debt at a lower interest rate.]]></description>
			<content:encoded><![CDATA[Declaring bankruptcy may make sound financial sense for some people, but it can also be dangerous. It damages your credit score for many years and will make borrowing money a difficult task. There are alternatives to declaring bankruptcy though. Debt consolidation and debt negotiation both make excellent options. Taking out a home equity loan can also allow you to repay debt at a lower interest rate.]]></content:encoded>
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