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	<title>Your Credit Reports &#187; Bad Credit Tips</title>
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	<link>http://www.yourcreditreports.org</link>
	<description>Your Credit Report &#38; Free Scores from All 3 Bureaus - Fast &#38; Online!</description>
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		<title>Many people fail to claim exemption from canceled credit card debt income</title>
		<link>http://www.yourcreditreports.org/bad-credit-tips/many-people-fail-to-claim-exemption-from-canceled-credit-card-debt-income/</link>
		<comments>http://www.yourcreditreports.org/bad-credit-tips/many-people-fail-to-claim-exemption-from-canceled-credit-card-debt-income/#comments</comments>
		<pubDate>Fri, 10 Feb 2012 02:33:19 +0000</pubDate>
		<dc:creator>Steven Browly</dc:creator>
				<category><![CDATA[Bad Credit Tips]]></category>
		<category><![CDATA[Card Debt]]></category>
		<category><![CDATA[Credit Card]]></category>
		<category><![CDATA[Credit Card Debt]]></category>
		<category><![CDATA[Income]]></category>

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		<description><![CDATA[If you had forgiven credit card debt during the past three years and paid taxes on that additional income, you might be eligible for a tax refund &#8212; and not even know it. How? A national taxpayer advocacy agency says many people who qualify for an exemption to avoid paying taxes on forgiven credit card [...]]]></description>
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		<item>
		<title>Foreclosure Fraud: Beware of Circling Foreclosure Vultures</title>
		<link>http://www.yourcreditreports.org/bad-credit-tips/foreclosure-fraud-beware-of-circling-foreclosure-vultures/</link>
		<comments>http://www.yourcreditreports.org/bad-credit-tips/foreclosure-fraud-beware-of-circling-foreclosure-vultures/#comments</comments>
		<pubDate>Sat, 04 Feb 2012 20:01:37 +0000</pubDate>
		<dc:creator>Steven Browly</dc:creator>
				<category><![CDATA[Bad Credit Tips]]></category>
		<category><![CDATA[Beware]]></category>
		<category><![CDATA[Foreclosure Fraud]]></category>

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		<description><![CDATA[Consumers beware, foreclosure fraud is rampant in todays post financial meltdown era. Unquestionably, the worst of the carnage left after the financial meltdown has been the millions of foreclosures that continue to plague the housing market. Full Article&#8230;]]></description>
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		<item>
		<title>Declining interest rates will ease mortgage stress</title>
		<link>http://www.yourcreditreports.org/bad-credit-tips/declining-interest-rates-will-ease-mortgage-stress/</link>
		<comments>http://www.yourcreditreports.org/bad-credit-tips/declining-interest-rates-will-ease-mortgage-stress/#comments</comments>
		<pubDate>Tue, 24 Jan 2012 07:46:09 +0000</pubDate>
		<dc:creator>Steven Browly</dc:creator>
				<category><![CDATA[Bad Credit Tips]]></category>
		<category><![CDATA[Ease]]></category>
		<category><![CDATA[Interest Rates]]></category>

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		<description><![CDATA[There is expectation across the board that interest rates will be coming down a number of times during 2012 the first rate cut is expected in February. As home loan rates begin to ease, overextended borrowers will be able to breathe a sigh of relief. Rates will be reduced not only on home loans but [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>CreditCards.com Weekly Rate Report, Jan. 11, 2012: Average APR drops following First Premier move</title>
		<link>http://www.yourcreditreports.org/bad-credit-tips/creditcards-com-weekly-rate-report-jan-11-2012-average-apr-drops-following-first-premier-move/</link>
		<comments>http://www.yourcreditreports.org/bad-credit-tips/creditcards-com-weekly-rate-report-jan-11-2012-average-apr-drops-following-first-premier-move/#comments</comments>
		<pubDate>Tue, 17 Jan 2012 05:10:05 +0000</pubDate>
		<dc:creator>Steven Browly</dc:creator>
				<category><![CDATA[Bad Credit Tips]]></category>
		<category><![CDATA[Apr]]></category>
		<category><![CDATA[Rate Report]]></category>

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		<description><![CDATA[Interest rates on new credit card offers fell this week, according to the CreditCards.com Weekly Credit Card Rate Report, due to a sharp APR drop for the priciest card in our survey. The average annual percentage rate (APR) dipped to 14.95 percent &#8212; its lowest level since early September. That&#8217;s down more than a quarter-point [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>How to Get the Most from Your Savings Account</title>
		<link>http://www.yourcreditreports.org/bad-credit-tips/how-to-get-the-most-from-your-savings-account/</link>
		<comments>http://www.yourcreditreports.org/bad-credit-tips/how-to-get-the-most-from-your-savings-account/#comments</comments>
		<pubDate>Fri, 30 Dec 2011 21:31:07 +0000</pubDate>
		<dc:creator>Steven Browly</dc:creator>
				<category><![CDATA[Bad Credit Tips]]></category>
		<category><![CDATA[Account]]></category>
		<category><![CDATA[Savings Account]]></category>

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		<description><![CDATA[With personal savings playing an increasingly larger role in people’s financial lives, understanding how to maximize the benefits of a savings account is important if you want to get the most from them. Today, people are faced with numerous choices when it comes to their savings, and with the availability of online banking that can [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Home Loan arrears still a problem</title>
		<link>http://www.yourcreditreports.org/bad-credit-tips/home-loan-arrears-still-a-problem/</link>
		<comments>http://www.yourcreditreports.org/bad-credit-tips/home-loan-arrears-still-a-problem/#comments</comments>
		<pubDate>Sat, 17 Dec 2011 16:37:18 +0000</pubDate>
		<dc:creator>Steven Browly</dc:creator>
				<category><![CDATA[Bad Credit Tips]]></category>
		<category><![CDATA[Arrears]]></category>
		<category><![CDATA[Home Loan]]></category>
		<category><![CDATA[Home Loan Arrears]]></category>
		<category><![CDATA[Loan Arrears]]></category>

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		<description><![CDATA[Home Loan arrears are expected to stay at the presently high levels in the immediate future. According to Fitch Ratings, home owners who are 30 or more days behind on their mortgage payments will will remain at approximately 1.75 per cent for the rest of the year. This forecast is based on recent estimates issued [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Kim McGrigg: Dad&#8217;s bankruptcy may force daughter to pay joint card debt</title>
		<link>http://www.yourcreditreports.org/bad-credit-tips/kim-mcgrigg-dads-bankruptcy-may-force-daughter-to-pay-joint-card-debt/</link>
		<comments>http://www.yourcreditreports.org/bad-credit-tips/kim-mcgrigg-dads-bankruptcy-may-force-daughter-to-pay-joint-card-debt/#comments</comments>
		<pubDate>Mon, 05 Dec 2011 03:45:26 +0000</pubDate>
		<dc:creator>Steven Browly</dc:creator>
				<category><![CDATA[Bad Credit Tips]]></category>
		<category><![CDATA[Card]]></category>
		<category><![CDATA[Card Debt]]></category>

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		<description><![CDATA[My daughter and husband are jointly on a credit card. Most purchases are his, and he has since filed bankruptcy due to a stroke. Does this obligate our daughter, financially, to his charges? Suit has been filed against her for repayment. Is this possible? Can she dispute the charges? Your daughter can be held liable [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Life Insurance as an Investment – Pros and Cons</title>
		<link>http://www.yourcreditreports.org/bad-credit-tips/life-insurance-as-an-investment-%e2%80%93-pros-and-cons/</link>
		<comments>http://www.yourcreditreports.org/bad-credit-tips/life-insurance-as-an-investment-%e2%80%93-pros-and-cons/#comments</comments>
		<pubDate>Fri, 02 Dec 2011 11:45:43 +0000</pubDate>
		<dc:creator>Steven Browly</dc:creator>
				<category><![CDATA[Bad Credit Tips]]></category>
		<category><![CDATA[Investment]]></category>
		<category><![CDATA[Life Insurance]]></category>

		<guid isPermaLink="false">http://www.yourcreditreports.org/bad-credit-tips/life-insurance-as-an-investment-%e2%80%93-pros-and-cons/</guid>
		<description><![CDATA[Ever since the introduction of variable life insurance in the 1950s, the debate over life insurance as an investment has raged on, and to this day, the issue remains largely unsettled. Life insurance advocates can make a case for its unique properties – tax deferred growth, tax free death benefit, low interest loan provisions, and [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Debt Consolidation Solutions</title>
		<link>http://www.yourcreditreports.org/bad-credit-tips/debt-consolidation-solutions/</link>
		<comments>http://www.yourcreditreports.org/bad-credit-tips/debt-consolidation-solutions/#comments</comments>
		<pubDate>Mon, 21 Nov 2011 21:21:11 +0000</pubDate>
		<dc:creator>Steven Browly</dc:creator>
				<category><![CDATA[Bad Credit Tips]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[debt consolidation]]></category>

		<guid isPermaLink="false">http://www.yourcreditreports.org/bad-credit-tips/debt-consolidation-solutions/</guid>
		<description><![CDATA[Debt Consolidation options for borrowers with impaired credit history can appear to be limited. Certainly any application made to a bank for a personal loan to consolidate debts would be declined. Unsecured personal loans generally require borrowers to have a clean credit history as do credit card applications. Borrowers with a history of bad credit [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Sally Herigstad: Who pays secret debt in divorce?</title>
		<link>http://www.yourcreditreports.org/bad-credit-tips/sally-herigstad-who-pays-secret-debt-in-divorce/</link>
		<comments>http://www.yourcreditreports.org/bad-credit-tips/sally-herigstad-who-pays-secret-debt-in-divorce/#comments</comments>
		<pubDate>Tue, 15 Nov 2011 16:20:50 +0000</pubDate>
		<dc:creator>Steven Browly</dc:creator>
				<category><![CDATA[Bad Credit Tips]]></category>
		<category><![CDATA[Divorce]]></category>

		<guid isPermaLink="false">http://www.yourcreditreports.org/bad-credit-tips/sally-herigstad-who-pays-secret-debt-in-divorce/</guid>
		<description><![CDATA[I live in Louisiana, which is a community property state. Upon divorce, I learned that my spouse had opened up numerous credit cards in his name only without my knowledge, and had the payment coupon going to his mother&#8217;s house so I wouldn&#8217;t be aware he had the cards. I did not know these cards [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Medical Bills: The Truth about Medical Collections and Credit Scores</title>
		<link>http://www.yourcreditreports.org/bad-credit-tips/medical-bills-the-truth-about-medical-collections-and-credit-scores/</link>
		<comments>http://www.yourcreditreports.org/bad-credit-tips/medical-bills-the-truth-about-medical-collections-and-credit-scores/#comments</comments>
		<pubDate>Tue, 08 Nov 2011 23:56:16 +0000</pubDate>
		<dc:creator>Steven Browly</dc:creator>
				<category><![CDATA[Bad Credit Tips]]></category>
		<category><![CDATA[Medical]]></category>
		<category><![CDATA[Medical Bills]]></category>

		<guid isPermaLink="false">http://www.yourcreditreports.org/bad-credit-tips/medical-bills-the-truth-about-medical-collections-and-credit-scores/</guid>
		<description><![CDATA[If you’re thinking that you can put off those pesky, overdue medical bills just one more month in order to catch up on your other payments, think again. Overdue medical bills can very quickly turn into a medical collections account which, like any other collections account, can sink your credit score. A Full Article&#8230;]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Paying home loans irregularly can damage credit history</title>
		<link>http://www.yourcreditreports.org/bad-credit-tips/paying-home-loans-irregularly-can-damage-credit-history/</link>
		<comments>http://www.yourcreditreports.org/bad-credit-tips/paying-home-loans-irregularly-can-damage-credit-history/#comments</comments>
		<pubDate>Wed, 02 Nov 2011 04:03:27 +0000</pubDate>
		<dc:creator>Steven Browly</dc:creator>
				<category><![CDATA[Bad Credit Tips]]></category>
		<category><![CDATA[Credit History]]></category>
		<category><![CDATA[History]]></category>
		<category><![CDATA[Home Loans]]></category>

		<guid isPermaLink="false">http://www.yourcreditreports.org/bad-credit-tips/paying-home-loans-irregularly-can-damage-credit-history/</guid>
		<description><![CDATA[Many borrowers do not realize that irregular payments on their home loans can give them bad credit history. Sometimes paying your home loan 1 day late because your loan repayment was set up to occur one day before your salary, can result in home loan providers declining your refinance application. Even if your home loan [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>TransUnion asked to stop selling credit reports to employers</title>
		<link>http://www.yourcreditreports.org/bad-credit-tips/transunion-asked-to-stop-selling-credit-reports-to-employers/</link>
		<comments>http://www.yourcreditreports.org/bad-credit-tips/transunion-asked-to-stop-selling-credit-reports-to-employers/#comments</comments>
		<pubDate>Thu, 27 Oct 2011 08:40:58 +0000</pubDate>
		<dc:creator>Steven Browly</dc:creator>
				<category><![CDATA[Bad Credit Tips]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[Credit Reports]]></category>

		<guid isPermaLink="false">http://www.yourcreditreports.org/bad-credit-tips/transunion-asked-to-stop-selling-credit-reports-to-employers/</guid>
		<description><![CDATA[If you can&#8217;t get hired for a job because of lousy credit, a coalition of advocacy groups is fighting for your right to work.   A collection of 27 consumer advocacy, civil rights and community groups, as well as labor unions and concerned citizens, have joined to demand that credit bureau TransUnion end its sale [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Mobile Banking: Should You Opt for Mobile Banking?</title>
		<link>http://www.yourcreditreports.org/bad-credit-tips/mobile-banking-should-you-opt-for-mobile-banking/</link>
		<comments>http://www.yourcreditreports.org/bad-credit-tips/mobile-banking-should-you-opt-for-mobile-banking/#comments</comments>
		<pubDate>Mon, 17 Oct 2011 14:37:47 +0000</pubDate>
		<dc:creator>Steven Browly</dc:creator>
				<category><![CDATA[Bad Credit Tips]]></category>

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		<description><![CDATA[You’ve seen the commercials with people blissfully depositing checks straight through their smart phones, or the father making an emergency fund transfer to aid his daughter stranded in a foreign land. Mobile banking is indeed sweeping the country. It’s convenient, it’s cool, and it’s safe, that according to security experts who understand something about encryption [...]]]></description>
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