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		<title>Carnival of Personal Finance #121 - Columbus Day Edition</title>
		<description><![CDATA[Mr Credit Card : Welcome to the Carnival of Personal Finance #121 - Columbus Day Edition. Today&#8217;s event is a Q&#038;A session with our leading presidential candidates. As the presidential candidates from both parties continue their campaign, the carnival of personal finance is pleased to announce that Senator Obama, Senator Clinton, Ex-Governor Guliani and Senator [...]]]></description>
		<link>http://www.credit-report-pro.com/credit_articles/2007/carnival-of-personal-finance-121-columbus-day-edition/</link>
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		<title>Another Amex Platinum Experience</title>
		<description><![CDATA[Mrs Credit Card was planning for our annual vacation. We had originally wanted to fly to San Diego and stay with our friend, see the San Diego Zoo and all the other California attraction. However, our plans had to change as our friends will not be around. So Mrs Credit Card made the executive decision [...]]]></description>
		<link>http://www.credit-report-pro.com/credit_articles/2007/another-amex-platinum-experience/</link>
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		<title>Funny Money Friday: Trick-or-Treat</title>
		<description><![CDATA[I love Halloween! The spookiness, the candy, the costumes. According to the National Retail Federation, I'm not alone in my love for this fall holiday. Consumer spending on Halloween increases 10-20% each year. The average person is planning to spend $64.82 this year, compared to $59.06 in 2006 and $48.48 in 2005.]]></description>
		<link>http://www.credit-report-pro.com/credit_articles/2007/funny-money-friday-trick-or-treat/</link>
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		<title>No New Blackberry Phone - How Much Do I Save?</title>
		<description><![CDATA[First a confession - I&#8217;ve never been a techie sort of person. I have never had the latest phones or any hardware. For the longest time, I carried a very old fashion phone. Then a few weeks ago, my colleagues at work started to tell me how great having a blackberry phone was. They could [...]]]></description>
		<link>http://www.credit-report-pro.com/credit_articles/2007/no-new-blackberry-phone-how-much-do-i-save/</link>
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		<title>Your Money &#038; Your Brain</title>
		<description><![CDATA[I have spent over 25 years watching people make decisions about buying and financing their homes. Having watched so many people in action, I especially enjoy writing about the way they gather information, evaluate it, and make decisions. I used...]]></description>
		<link>http://www.credit-report-pro.com/credit_articles/2007/your-money-your-brain/</link>
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		<title>Macy&#8217;s and Citi Cards Cross the Line</title>
		<description><![CDATA[If you haven't already heard: Macy's agreed to give Citi access to their inactive (24-48 months without a purchase) cardholders. Citi used this opportunity to mail out letters in July to the users notifying them  that, unless they opted out, they'd be getting a new Citi card in the mail. The cards are starting to hit now and the story is surfacing. Consumerist.com has the best details so far. ]]></description>
		<link>http://www.credit-report-pro.com/credit_articles/2007/macys-and-citi-cards-cross-the-line/</link>
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		<title>Military Now Protected from the Worst of Payday Loans</title>
		<description><![CDATA[Thanks to regulations that went into effect on Monday, the interest rate on payday loans to members of the military and their family cannot exceed 36% a year. That may not sound like good news, but since these loans typically...]]></description>
		<link>http://www.credit-report-pro.com/credit_articles/2007/military-now-protected-from-the-worst-of-payday-loans/</link>
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		<title>The Case of Falling Credit Limits</title>
		<description><![CDATA[A new trend in the credit card industry has consumer credit limits on the decline. Some credit card issuers have started lowering the spending limits on existing customer accounts as a way of tightening their belts during the current credit crunch. Our credit card and personal finance expert, Gerri Detweiler, was recently interviewed by ABC News in Los Angeles about the changes: ]]></description>
		<link>http://www.credit-report-pro.com/credit_articles/2007/the-case-of-falling-credit-limits/</link>
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		<title>Reader Question: Can Collection Agency Sue for Deleted Debt?</title>
		<description><![CDATA[Unfortunately, getting an item removed from your credit report does not mean you don't owe the debt. The investigation process by the credit reporting agency involved checking with the company reporting the information. If the item you dispute is not verified within a certain time frame, it must be removed from your file. I suspect that's what happened here -- that the collection agency simply never responded to the dispute, and so the item was dropped from your credit report]]></description>
		<link>http://www.credit-report-pro.com/credit_articles/2007/reader-question-can-collection-agency-sue-for-deleted-debt/</link>
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		<title>How to Legally Eliminate Your Debt</title>
		<description><![CDATA[Did you know that your credit card balance, no matter how large, is actually illegal? In fact, banks and credit card companies don't have the authority to lend money or issue credit. By borrowing from the Federal Reserve, lenders use your signature when you open a credit card account to "create" money they lend back to you! You can't owe ever truly owe the bank any money because they never really lent you their money in the first place. Pretty clever, huh?]]></description>
		<link>http://www.credit-report-pro.com/credit_articles/2007/how-to-legally-eliminate-your-debt/</link>
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