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	<title>Money Sense Tips &#187; Credit</title>
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	<link>http://www.moneysensetips.com/blog</link>
	<description>Tips on saving more cash and make more money</description>
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		<title>The Three Major Bankruptcy Types Explained</title>
		<link>http://www.moneysensetips.com/blog/the-three-major-bankruptcy-types-explained/</link>
		<comments>http://www.moneysensetips.com/blog/the-three-major-bankruptcy-types-explained/#comments</comments>
		<pubDate>Thu, 18 Jun 2009 07:17:33 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[Paying Debts]]></category>
		<category><![CDATA[Chapter 11  Title 11  United States Code]]></category>
		<category><![CDATA[Chapter 13  Title 11  United States Code]]></category>
		<category><![CDATA[Chapter 7  Title 11  United States Code]]></category>
		<category><![CDATA[debts]]></category>
		<category><![CDATA[Liquidation]]></category>
		<category><![CDATA[Personal Bankruptcy]]></category>

		<guid isPermaLink="false">http://www.moneysensetips.com/blog/?p=223</guid>
		<description><![CDATA[Sometimes people end up with more debt than they can handle. Often it is not due to irresponsibility, but to circumstances beyond one&#8217;s control. Job loss, unexpected medical expenses and other such situations can cause finances to take a sudden turn for the worse. When such things happen, bankruptcy can ease the financial burden. Bankruptcy [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Is Bankruptcy The Answer to Your Financial Woes?</title>
		<link>http://www.moneysensetips.com/blog/is-bankruptcy-the-answer-to-your-financial-woes/</link>
		<comments>http://www.moneysensetips.com/blog/is-bankruptcy-the-answer-to-your-financial-woes/#comments</comments>
		<pubDate>Tue, 16 Jun 2009 07:19:36 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[Paying Debts]]></category>
		<category><![CDATA[Chapter 13 Bankruptcy]]></category>
		<category><![CDATA[Chapter 7]]></category>
		<category><![CDATA[debts]]></category>

		<guid isPermaLink="false">http://www.moneysensetips.com/blog/?p=203</guid>
		<description><![CDATA[Have you read the latest news about amusement park operator Six Flags filed for bankruptcy? This is unbelievable. Is it really necessary? For those who feel that they are in serious financial distress, bankruptcy may have crossed their minds. Bankruptcy is not something to be taken lightly. While your debt may be wiped clean, there [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>5 Ways to Improve Your Credit Score</title>
		<link>http://www.moneysensetips.com/blog/5-ways-to-improve-your-credit-score/</link>
		<comments>http://www.moneysensetips.com/blog/5-ways-to-improve-your-credit-score/#comments</comments>
		<pubDate>Thu, 21 May 2009 05:27:45 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Paying Debts]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[Credit history]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[Identity theft]]></category>
		<category><![CDATA[interest rate]]></category>
		<category><![CDATA[Money]]></category>

		<guid isPermaLink="false">http://www.moneysensetips.com/blog/?p=156</guid>
		<description><![CDATA[Image via Wikipedia Our credit scores play a big role in determining the results when we apply for a credit card or loan. A good credit score can help us get the credit we need at the best possible rate. A poor credit score could result in a higher interest rate or denial of credit. [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Credit Repair Tips</title>
		<link>http://www.moneysensetips.com/blog/credit-repair-tips/</link>
		<comments>http://www.moneysensetips.com/blog/credit-repair-tips/#comments</comments>
		<pubDate>Mon, 30 Mar 2009 08:01:39 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Paying Debts]]></category>
		<category><![CDATA[Credit history]]></category>
		<category><![CDATA[Credit rating]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[creditor]]></category>
		<category><![CDATA[Fair Credit Reporting Act]]></category>
		<category><![CDATA[Payment]]></category>
		<category><![CDATA[Personal finance]]></category>

		<guid isPermaLink="false">http://www.moneysensetips.com/blog/?p=126</guid>
		<description><![CDATA[In some cases, bad credit is a result of irresponsible money management. But it often occurs because of unexpected financial hardship. One day you might have all of your bills current, and the next you could become disabled or lose your job. And if you fall behind on your debts, it will wreak havoc on [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Take a Realistic Look at Your Spending Habits</title>
		<link>http://www.moneysensetips.com/blog/take-a-realistic-look-at-your-spending-habits/</link>
		<comments>http://www.moneysensetips.com/blog/take-a-realistic-look-at-your-spending-habits/#comments</comments>
		<pubDate>Fri, 06 Mar 2009 10:08:22 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[debts]]></category>
		<category><![CDATA[Money Management]]></category>
		<category><![CDATA[Personal finance]]></category>
		<category><![CDATA[spending habits]]></category>

		<guid isPermaLink="false">http://www.moneysensetips.com/blog/?p=88</guid>
		<description><![CDATA[Recently, there was a TV program about people who are having problems paying there debts.  One woman was chosen to receive advice from a financial counselor.  The result of this encounter was enlightening. The financial counselor went over the woman’s credit report, income, and debts.  After a while, she looked at the woman and told [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Suze Orman: New Credit Card Strategy</title>
		<link>http://www.moneysensetips.com/blog/suze-orman-new-credit-card-strategy/</link>
		<comments>http://www.moneysensetips.com/blog/suze-orman-new-credit-card-strategy/#comments</comments>
		<pubDate>Thu, 05 Mar 2009 08:19:28 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Experts Views]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[FICO score]]></category>
		<category><![CDATA[Money Management]]></category>
		<category><![CDATA[recession]]></category>
		<category><![CDATA[Suze Orman]]></category>

		<guid isPermaLink="false">http://www.moneysensetips.com/blog/?p=83</guid>
		<description><![CDATA[Here is another great strategy from Suze Orman. I found it extremely useful during this period. Please read it. If you have an unpaid credit card balance and not much saved up in emergency savings I need you to listen up. My advice has changed. I want you to only pay the minimum due on  [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>5 Ways to Stop Creating Debt</title>
		<link>http://www.moneysensetips.com/blog/5-ways-to-stop-creating-debt/</link>
		<comments>http://www.moneysensetips.com/blog/5-ways-to-stop-creating-debt/#comments</comments>
		<pubDate>Mon, 02 Feb 2009 11:00:05 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Paying Debts]]></category>
		<category><![CDATA[cashier]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[interest rate]]></category>
		<category><![CDATA[Money Management]]></category>
		<category><![CDATA[Personal finance]]></category>
		<category><![CDATA[recession]]></category>
		<category><![CDATA[snowball]]></category>

		<guid isPermaLink="false">http://www.moneysensetips.com/blog/?p=33</guid>
		<description><![CDATA[If you are concerned about your current debt, here are five ways to help you deal with the situation: 1.  Debt Consolidation. When you receive a credit card offer in the mail stating that you can pay off other credit cards by applying for the card with a 0% APR – read the fine print.  [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>What Do I Do if My Debt Payments Are Higher Than My Income?</title>
		<link>http://www.moneysensetips.com/blog/what-do-i-do-if-my-debt-payments-are-higher-than-my-income/</link>
		<comments>http://www.moneysensetips.com/blog/what-do-i-do-if-my-debt-payments-are-higher-than-my-income/#comments</comments>
		<pubDate>Fri, 30 Jan 2009 15:51:50 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Paying Debts]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Debt consolidation]]></category>
		<category><![CDATA[grace period]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[Payment]]></category>
		<category><![CDATA[Personal finance]]></category>

		<guid isPermaLink="false">http://www.moneysensetips.com/blog/?p=30</guid>
		<description><![CDATA[Question: I don&#8217;t know how to pay off my debt. My debts are more than the money I earn each month. What can I do? Answer: That&#8217;s a tough spot to be in. Let&#8217;s look at the scenario that your debts are higher than your income but you&#8217;re still able to make the payments. It [...]]]></description>
		<wfw:commentRss>http://www.moneysensetips.com/blog/what-do-i-do-if-my-debt-payments-are-higher-than-my-income/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Pay Off Your Bills on Time</title>
		<link>http://www.moneysensetips.com/blog/pay-off-your-bills-on-time/</link>
		<comments>http://www.moneysensetips.com/blog/pay-off-your-bills-on-time/#comments</comments>
		<pubDate>Tue, 05 Aug 2008 07:46:04 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[bills]]></category>
		<category><![CDATA[credit cards]]></category>

		<guid isPermaLink="false">http://www.moneysensetips.com/?p=10</guid>
		<description><![CDATA[If you have a credit card, you may have noticed that from time to time you receive a tiny booklet delineating either rising interest rates or changes to the terms of payment.  It’s important to read this information as you may find that if you do not pay off your bills on time you may [...]]]></description>
		<wfw:commentRss>http://www.moneysensetips.com/blog/pay-off-your-bills-on-time/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Credit Score Myths</title>
		<link>http://www.moneysensetips.com/blog/credit-score-myths/</link>
		<comments>http://www.moneysensetips.com/blog/credit-score-myths/#comments</comments>
		<pubDate>Wed, 16 Jul 2008 17:06:56 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[credit bureaus]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[repair credit]]></category>

		<guid isPermaLink="false">http://www.moneysensetips.com/?p=9</guid>
		<description><![CDATA[Most individuals who own credit cards annually check their credit scores with the three agencies; Equifax, Experian, and TransUnion.  While these scores are important in obtaining credit, loans, and lower interest rates, there seems to be several credit score myths that need to be debunked. Myth:  There is only one credit score. Fact:  There are [...]]]></description>
		<wfw:commentRss>http://www.moneysensetips.com/blog/credit-score-myths/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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