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	<title>Money Management Software Blog &#187; FTC</title>
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	<description>Money Management Solutions - The Cash Flow Managing System</description>
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		<title>Credit Repair Services – How To Recognize The Dishonest Ones</title>
		<link>http://moneymgmtsolutions.com/blog/credit/credit-repair-services-how-to-recognize-the-dishonest-ones/</link>
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		<pubDate>Sun, 27 Sep 2009 03:13:05 +0000</pubDate>
		<dc:creator>Sandra</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Economic Crisis]]></category>
		<category><![CDATA[credit bureau]]></category>
		<category><![CDATA[Credit Repair Oganizations Act]]></category>
		<category><![CDATA[credit repair service]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[credit report repair]]></category>
		<category><![CDATA[CROA]]></category>
		<category><![CDATA[Federal Trade Commission]]></category>
		<category><![CDATA[FTC]]></category>

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		<description><![CDATA[Credit report repair is more in demand than ever since the economy is on a long-term roller coaster ride, but finding the right credit repair service can be tricky. There are unscrupulous services out there that will take your money and deliver nothing in return. As recently as a few months ago, the Federal Trade Commission (FTC) has been cracking down and charging criminal operations with accepting advance payments, which violates the Credit Repair Organizations Act (CROA), and deceiving consumers by promising to remove legitimately reported information from credit reports. A good place to start your credit repair journey is to understand your rights under the CROA Credit Repair Organizations Act. Pertinent Sections of the Credit Repair Organizations Act can be found in: Section 404.4B – Prohibited Practices – Advance Payment &#8211; No credit repair organization may charge or receive any money or other valuable consideration for the performance of [...]]]></description>
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		<title>Your Lifestyle May Hurt Credit Score</title>
		<link>http://moneymgmtsolutions.com/blog/debt-handling/credit-score/</link>
		<comments>http://moneymgmtsolutions.com/blog/debt-handling/credit-score/#comments</comments>
		<pubDate>Mon, 25 Aug 2008 04:12:56 +0000</pubDate>
		<dc:creator>Sandra</dc:creator>
				<category><![CDATA[Accounting]]></category>
		<category><![CDATA[Building Wealth]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Debt Handling]]></category>
		<category><![CDATA[Financial Freedom]]></category>
		<category><![CDATA[Financial Management]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Money Management Software]]></category>
		<category><![CDATA[Small Business Financial Management]]></category>
		<category><![CDATA[Small Business Money Management]]></category>
		<category><![CDATA[BusinessWeek]]></category>
		<category><![CDATA[CompuCredit]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[Federal Deposit Insurance Corp]]></category>
		<category><![CDATA[Federal Trade Commission]]></category>
		<category><![CDATA[FICO]]></category>
		<category><![CDATA[FTC]]></category>

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		<description><![CDATA[Lenders might be monitoring your money management behavior via your credit card spending &#8212; and certain purchases could cost you. By BusinessWeek  Most borrowers know a late payment or high outstanding balance can hurt their credit. But what about frequenting a massage parlor, retreading a tire or visiting a marriage counselor? Such activities count, too, according to a suit filed June 10 by the Federal Trade Commission in Atlanta federal court against card issuer CompuCredit. Lenders, insurers, and other financial firms use credit scoring systems to make a host of decisions about consumers, including the interest rate on their mortgages, the limits on their credit cards and the monthly premiums for their auto coverage. Some rely heavily on FICO, a three-digit score developed by Minneapolis-based financial firm Fair Isaac, while others use proprietary models developed by statisticians. But companies don&#8217;t disclose what&#8217;s baked into their formulas, leaving many borrowers to [...]]]></description>
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