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	<title>CreditCRM Credit Repair Business Blog</title>
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	<description>Credit Education and Keys to Starting a Credit Repair Business from Edward Jamison, Esq and staff</description>
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		<title>Debt and Bad Credit a Growing Problem for Seniors</title>
		<description><![CDATA[When we think of credit card debt, we often think the student who is swimming in credit card debt after years of paying for meals, books, and other college expenses that loans failed to cover or the middle class family who carries credit card debt while struggling to keep up with bills and other demands.  [...]]]></description>
		<link>http://www.creditcrm.com/blog/credit-news/debt-bad-credit-growing-problem-seniors/</link>
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		<title>TransUnion Announces Average Household Credit Card Debt by State</title>
		<description><![CDATA[A recent report has just announced that Iowa residents havethe lowest average credit card debt in the United States.  This fascinating finding leaves many individuals and families around the nation struggling with credit card debt and bad credit asking “How do they do it?”
According to the report, Chicago-based firm TransUnion conducted its regularly quarterly analysis of trends [...]]]></description>
		<link>http://www.creditcrm.com/blog/credit-news/transunion-announces-average-household-credit-card-debt-state/</link>
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		<title>What Affects my Credit Report and Credit Score?</title>
		<description><![CDATA[Today, having good credit is more important than ever.  With lending regulations becoming tighter, it is usual for only those with good credit to be able to obtain home loans, auto loans, credit cards, or any other lines of credit they may be greatly in need of.  Only those with excellent credit are able to [...]]]></description>
		<link>http://www.creditcrm.com/blog/credit-repair-advice/affect-credit-report-credit-score/</link>
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		<title>Raid Retirement Accounts to Pay off Debt?</title>
		<description><![CDATA[With total U.S. consumer debt at about $2.42 trillion dollars, according to an August 2010 G.19 report by the Federal Reserve, it’s no surprise that many individuals and families often contemplate controversial solutions in order to pay off loan and credit card debts.  
As U.S. consumption continues to outpace income, foreclosures increase, and young adult and [...]]]></description>
		<link>http://www.creditcrm.com/blog/credit-news/desperate-cardholders-contemplate-raiding-retirement-accounts-pay-debt/</link>
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		<title>Saving Early the Key to Avoiding the Burden of College Loans and Credit Card Debt?</title>
		<description><![CDATA[According to the College Board, the average cost of tuition and fees at a four-year public college has increased by nearly 51 percent in the past decade, a number that is expected only to grow throughout our lifetime and our children’s lifetimes.  Since college graduates earn an average of $1 million more than high school [...]]]></description>
		<link>http://www.creditcrm.com/blog/credit-repair-advice/saving-early-key-avoiding-burden-college-loans-credit-card-debt/</link>
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		<title>More Consumers Confused by 0% Credit Card Transfer Offers</title>
		<description><![CDATA[In recent postings, Credit CRM professionals have explained that 0% credit card transfer offers are coming back surprisingly ahead of schedule.  Just a few years ago, many heavily in debt credit card holders thrived on the ability to cheaply transfer balances from card to card, paying off plastic with plastic.  Sometimes consumers used low interest [...]]]></description>
		<link>http://www.creditcrm.com/blog/credit-repair-advice/consumers-confused-0-credit-card-transfer-offers/</link>
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		<title>Consumer Debt Slightly Down</title>
		<description><![CDATA[Consumers and credit holders have been widely bogged down by debt for years.  With many consumers “waking up” to the error of their ways after the recent recession, some have undoubtedly become more responsible with credit card use and borrowing.  While some reports maintain that consumer behavior hasn’t showed signs of changing much for the [...]]]></description>
		<link>http://www.creditcrm.com/blog/credit-news/consumer-debt-slightly/</link>
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		<title>Bill to Ban Employee Credit Checks Clears Legislative Hurdle in New Jersey</title>
		<description><![CDATA[Think bad credit can’t hurt you beyond getting making it difficult to get a loan?  Think again.  For several years, it has been common practice for employers and hiring managers to conduct credit checks on prospective and even current employees.  To an employer, a less than optimal credit score can be a red flag signaling possible [...]]]></description>
		<link>http://www.creditcrm.com/blog/credit-news/bill-ban-employee-credit-checks-clears-legislative-hurdle-jersey/</link>
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		<title>A Portrait of American Finance Today</title>
		<description><![CDATA[In a recent article released on Yahoo Finance courtesy of Investopedia, individuals were given the chance to see how their finances stacked up to that of the average American.  The article, which compile findings about things such as household credit card debt, average credit score rating, spending, and savings habits, reveals a portrait of American [...]]]></description>
		<link>http://www.creditcrm.com/blog/credit-news/portrait-american-finance-today/</link>
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		<title>Mortgage Defaults by Prime Borrowers Create Demand for Credit Repair Businesses</title>
		<description><![CDATA[Coming changes in the way America&#8217;s major credit bureaus compute credit scores (see our previous post) is expected to increase demand for credit repair professionals. Credit industry concern about changing consumer attitudes and behavior has prompted an overhaul of the two primary software systems used by U.S. credit bureaus to determine credit risk and assign credit scores. [...]]]></description>
		<link>http://www.creditcrm.com/blog/credit-repair-business-opportunity/mortgage-defaults-prime-borrowers-create-demand-credit-repair-businesses/</link>
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