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	<title>Carreon and Associates Blog</title>
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	<link>http://www.carreonandassociates.com/blog</link>
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		<title>Many will get stuck with Tax Credit Payback</title>
		<link>http://www.carreonandassociates.com/blog/?p=478</link>
		<comments>http://www.carreonandassociates.com/blog/?p=478#comments</comments>
		<pubDate>Tue, 17 Nov 2009 23:26:26 +0000</pubDate>
		<dc:creator>Credit Manager</dc:creator>
				<category><![CDATA[Articles & Resources]]></category>
		<category><![CDATA[consumer spending]]></category>
		<category><![CDATA[internal revenue service]]></category>
		<category><![CDATA[irs web site]]></category>
		<category><![CDATA[maximum credit]]></category>
		<category><![CDATA[new tax withholding tables]]></category>
		<category><![CDATA[stimulus package]]></category>
		<category><![CDATA[tax break]]></category>
		<category><![CDATA[tax withholding tables]]></category>

		<guid isPermaLink="false">http://www.carreonandassociates.com/blog/?p=478</guid>
		<description><![CDATA[The tax credit, which is supposed to pay individuals up to $400 and couples up to $800, was Obama's signature tax break in the massive stimulus package enacted in February. The credit has increased weekly paychecks for 95 percent of working families, giving them cash to help boost consumer spending during the worst economic recession in decades.]]></description>
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		<title>Top Credit Repair Myths &amp; the Truth</title>
		<link>http://www.carreonandassociates.com/blog/?p=471</link>
		<comments>http://www.carreonandassociates.com/blog/?p=471#comments</comments>
		<pubDate>Sun, 15 Nov 2009 17:33:52 +0000</pubDate>
		<dc:creator>Credit Manager</dc:creator>
				<category><![CDATA[Articles & Resources]]></category>
		<category><![CDATA[bankruptcies]]></category>
		<category><![CDATA[bankruptcy record]]></category>
		<category><![CDATA[cease and desist]]></category>
		<category><![CDATA[collection agenices]]></category>
		<category><![CDATA[consumer watchdog]]></category>
		<category><![CDATA[credit bureaus]]></category>
		<category><![CDATA[credit counselors]]></category>
		<category><![CDATA[credit repair companies]]></category>
		<category><![CDATA[credit repair company]]></category>
		<category><![CDATA[credit repair help]]></category>
		<category><![CDATA[credit repair myths]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[fix bad credit]]></category>
		<category><![CDATA[ftc.gov]]></category>
		<category><![CDATA[legal credit repair]]></category>
		<category><![CDATA[unsecured lines of credit]]></category>
		<category><![CDATA[validation of debt]]></category>
		<category><![CDATA[vod]]></category>

		<guid isPermaLink="false">http://www.carreonandassociates.com/blog/?p=471</guid>
		<description><![CDATA[Credit repair is a hot topic no matter who you ask.  Credit counselors and debt managers will tell you it doesn't exist, the FTC and Consumer watchdog groups will tell you its a scam, but the truth is, it is real... but proceed with caution.]]></description>
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		<slash:comments>1</slash:comments>
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		<title>FTC &amp; Senator to push Free Credit Report Offers for clearer disclosures</title>
		<link>http://www.carreonandassociates.com/blog/?p=461</link>
		<comments>http://www.carreonandassociates.com/blog/?p=461#comments</comments>
		<pubDate>Wed, 11 Nov 2009 19:14:43 +0000</pubDate>
		<dc:creator>Credit Manager</dc:creator>
				<category><![CDATA[Articles & Resources]]></category>
		<category><![CDATA[FTC Updates]]></category>
		<category><![CDATA[credit monitoring services]]></category>
		<category><![CDATA[credit providers]]></category>
		<category><![CDATA[federal trade commission]]></category>
		<category><![CDATA[free credit report]]></category>
		<category><![CDATA[free credit reports]]></category>
		<category><![CDATA[ftc]]></category>
		<category><![CDATA[monitoring service]]></category>
		<category><![CDATA[new york times]]></category>
		<category><![CDATA[senator schumer]]></category>

		<guid isPermaLink="false">http://www.carreonandassociates.com/blog/?p=461</guid>
		<description><![CDATA[Annualcreditreport.com offers consumers a free credit report from all three bureaus once a year and yes, its really free. The FTC and the Senator think that should also be more obvious on the websites of credit providers so that consumers may make a wise choice. ]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Deal of the day: 30 days free, Complete ID Theft Protection</title>
		<link>http://www.carreonandassociates.com/blog/?p=456</link>
		<comments>http://www.carreonandassociates.com/blog/?p=456#comments</comments>
		<pubDate>Wed, 04 Nov 2009 23:23:43 +0000</pubDate>
		<dc:creator>Credit Manager</dc:creator>
				<category><![CDATA[Articles & Resources]]></category>
		<category><![CDATA[credit repair identity theft]]></category>
		<category><![CDATA[free trial]]></category>
		<category><![CDATA[identity theft]]></category>
		<category><![CDATA[leading technology]]></category>
		<category><![CDATA[lifelock]]></category>
		<category><![CDATA[Lifelock coupon code]]></category>
		<category><![CDATA[preventing identity theft]]></category>
		<category><![CDATA[recovering from identity theft]]></category>
		<category><![CDATA[social security number]]></category>

		<guid isPermaLink="false">http://www.carreonandassociates.com/blog/?p=456</guid>
		<description><![CDATA[We've tried some services like this before but they did not match up to Lifelock and all that their protection encompasses. How can you argue when it's 10.00 a month and offers all this? We get lots of emails about people who have been victims of identity theft and it is a  nightmare that can last years. What we like about Lifelock is that its core is a PREVENTION service,which is what was missing from this type of service before. Most so called identity theft programs only helped you AFTER the theft occurred. This proactive mechanism definitely makes Lifelock stand out.

30 days FREE plus 10% off on a monthly and annual subscription.]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Will paying off a debt remove it from my credit reports</title>
		<link>http://www.carreonandassociates.com/blog/?p=452</link>
		<comments>http://www.carreonandassociates.com/blog/?p=452#comments</comments>
		<pubDate>Tue, 03 Nov 2009 00:57:04 +0000</pubDate>
		<dc:creator>Credit Manager</dc:creator>
				<category><![CDATA[Articles & Resources]]></category>
		<category><![CDATA[credit rating]]></category>
		<category><![CDATA[credit repair help]]></category>
		<category><![CDATA[credit repair tips]]></category>
		<category><![CDATA[credit reports]]></category>
		<category><![CDATA[creditor]]></category>
		<category><![CDATA[dealing with bill collectors]]></category>
		<category><![CDATA[debt collectors]]></category>
		<category><![CDATA[debt settlement tips]]></category>
		<category><![CDATA[financial liability]]></category>
		<category><![CDATA[fix your credit]]></category>
		<category><![CDATA[how to settle a debt with collection agencies]]></category>
		<category><![CDATA[negotiations]]></category>
		<category><![CDATA[settle debt for credit rating]]></category>
		<category><![CDATA[third party]]></category>
		<category><![CDATA[validating a debt]]></category>
		<category><![CDATA[validation]]></category>

		<guid isPermaLink="false">http://www.carreonandassociates.com/blog/?p=452</guid>
		<description><![CDATA[When dealing with a collection item you must always attempt to negotiate the rating before you pay a dime. Not doing so is a very bad financial move because chances are, you will get your way.
]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Debt settlement options, be wary</title>
		<link>http://www.carreonandassociates.com/blog/?p=448</link>
		<comments>http://www.carreonandassociates.com/blog/?p=448#comments</comments>
		<pubDate>Wed, 28 Oct 2009 18:21:56 +0000</pubDate>
		<dc:creator>Credit Manager</dc:creator>
				<category><![CDATA[Articles & Resources]]></category>
		<category><![CDATA[avoid bankruptcy]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[credit counseling careone]]></category>
		<category><![CDATA[debt settlement advice]]></category>
		<category><![CDATA[debt settlement letters]]></category>
		<category><![CDATA[debt settlement programs]]></category>
		<category><![CDATA[debt settlement programs that work]]></category>
		<category><![CDATA[financial help]]></category>
		<category><![CDATA[ftc]]></category>
		<category><![CDATA[pennies on the dollar]]></category>
		<category><![CDATA[settlement company]]></category>
		<category><![CDATA[wsj]]></category>

		<guid isPermaLink="false">http://www.carreonandassociates.com/blog/?p=448</guid>
		<description><![CDATA[Did you know there are DIY debt settlement programs that will teach you what the experts know? You could save thousands by doing your own settlement offers with your creditors. ]]></description>
		<wfw:commentRss>http://www.carreonandassociates.com/blog/?feed=rss2&amp;p=448</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Paying the Debts of a Deceased Relative: Who Is Responsible?</title>
		<link>http://www.carreonandassociates.com/blog/?p=442</link>
		<comments>http://www.carreonandassociates.com/blog/?p=442#comments</comments>
		<pubDate>Sun, 25 Oct 2009 18:09:12 +0000</pubDate>
		<dc:creator>Credit Manager</dc:creator>
				<category><![CDATA[Articles & Resources]]></category>
		<category><![CDATA[FTC Updates]]></category>
		<category><![CDATA[abusive]]></category>
		<category><![CDATA[collection agencies]]></category>
		<category><![CDATA[consumer protection agency]]></category>
		<category><![CDATA[debt collection practices]]></category>
		<category><![CDATA[debt collector]]></category>
		<category><![CDATA[deceased debtor]]></category>
		<category><![CDATA[decedent]]></category>
		<category><![CDATA[deceptive practices]]></category>
		<category><![CDATA[delinquent debts]]></category>
		<category><![CDATA[fair debt collection]]></category>
		<category><![CDATA[fair debt collection practices act fdcpa]]></category>
		<category><![CDATA[federal trade commission]]></category>
		<category><![CDATA[grieving family]]></category>
		<category><![CDATA[legal obligation]]></category>
		<category><![CDATA[outstanding debts]]></category>
		<category><![CDATA[probate law]]></category>

		<guid isPermaLink="false">http://www.carreonandassociates.com/blog/?p=442</guid>
		<description><![CDATA[After a relative dies, the last thing grieving family members may expect are calls from debt collectors asking them to pay their loved one’s outstanding debts. According to the Federal Trade Commission (FTC), the nation’s consumer protection agency, a surviving relative usually has no legal obligation to pay the debts of a family member who has died. In fact, the rights of surviving relatives are covered by the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.

]]></description>
		<wfw:commentRss>http://www.carreonandassociates.com/blog/?feed=rss2&amp;p=442</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Credit Score and Credit Card Resources</title>
		<link>http://www.carreonandassociates.com/blog/?p=436</link>
		<comments>http://www.carreonandassociates.com/blog/?p=436#comments</comments>
		<pubDate>Thu, 22 Oct 2009 20:25:12 +0000</pubDate>
		<dc:creator>Credit Manager</dc:creator>
				<category><![CDATA[Articles & Resources]]></category>
		<category><![CDATA[citibank]]></category>
		<category><![CDATA[collection accounts]]></category>
		<category><![CDATA[confusion]]></category>
		<category><![CDATA[consumers]]></category>
		<category><![CDATA[credit application]]></category>
		<category><![CDATA[credit card holders]]></category>
		<category><![CDATA[credit card resources]]></category>
		<category><![CDATA[credit card terms]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[credit reports]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[debt to income ratio]]></category>
		<category><![CDATA[delinquent accounts]]></category>
		<category><![CDATA[fico score]]></category>
		<category><![CDATA[gas cards]]></category>
		<category><![CDATA[highest score]]></category>
		<category><![CDATA[payment history]]></category>
		<category><![CDATA[public record]]></category>
		<category><![CDATA[score history]]></category>

		<guid isPermaLink="false">http://www.carreonandassociates.com/blog/?p=436</guid>
		<description><![CDATA[With the latest changes in credit card terms, millions of consumers are feeling the heat when it comes to their credit scores. 

Because of the bank cutting credit card holders off, often without warning, the effect is falling onto their credit reports by lowering their credit scores.
]]></description>
		<wfw:commentRss>http://www.carreonandassociates.com/blog/?feed=rss2&amp;p=436</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Credit Repair is a dirty dirty word</title>
		<link>http://www.carreonandassociates.com/blog/?p=432</link>
		<comments>http://www.carreonandassociates.com/blog/?p=432#comments</comments>
		<pubDate>Fri, 16 Oct 2009 04:24:39 +0000</pubDate>
		<dc:creator>Credit Manager</dc:creator>
				<category><![CDATA[Articles & Resources]]></category>
		<category><![CDATA[credit bureaus]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[credit repair companies]]></category>
		<category><![CDATA[credit repair letters]]></category>
		<category><![CDATA[credit report mistakes]]></category>
		<category><![CDATA[credit reports]]></category>
		<category><![CDATA[do it yourself credit repair]]></category>
		<category><![CDATA[federal trade commission]]></category>
		<category><![CDATA[fix credit]]></category>
		<category><![CDATA[ftc]]></category>
		<category><![CDATA[scams]]></category>

		<guid isPermaLink="false">http://www.carreonandassociates.com/blog/?p=432</guid>
		<description><![CDATA[Bottom line is that credit repair will always be a dirty word because there are hundreds of fly by night companies who claim to fix credit but in reality do nothing but steal your money. Buyer beware should hold firm no matter what the service.
]]></description>
		<wfw:commentRss>http://www.carreonandassociates.com/blog/?feed=rss2&amp;p=432</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Debt buyers prey on poor, debtors revolt!</title>
		<link>http://www.carreonandassociates.com/blog/?p=430</link>
		<comments>http://www.carreonandassociates.com/blog/?p=430#comments</comments>
		<pubDate>Wed, 14 Oct 2009 23:41:47 +0000</pubDate>
		<dc:creator>Credit Manager</dc:creator>
				<category><![CDATA[Misc.]]></category>
		<category><![CDATA[abuse]]></category>
		<category><![CDATA[abusive]]></category>
		<category><![CDATA[accounts receivable management]]></category>
		<category><![CDATA[ARM]]></category>
		<category><![CDATA[arm industry]]></category>
		<category><![CDATA[bad debt]]></category>
		<category><![CDATA[bank of america]]></category>
		<category><![CDATA[bill collectors]]></category>
		<category><![CDATA[collection agencies]]></category>
		<category><![CDATA[collection efforts]]></category>
		<category><![CDATA[debt buyers]]></category>
		<category><![CDATA[debtors]]></category>
		<category><![CDATA[debtors revolt]]></category>
		<category><![CDATA[drowning in debt]]></category>
		<category><![CDATA[federal trade commission]]></category>
		<category><![CDATA[money debt]]></category>
		<category><![CDATA[pennies on the dollar]]></category>
		<category><![CDATA[youtube]]></category>

		<guid isPermaLink="false">http://www.carreonandassociates.com/blog/?p=430</guid>
		<description><![CDATA[Debtors Revolt started with one person telling Bank of America where to stick it for raising her interest rate for no good reason, and has now become viral with over 440,000 views.

Seems this just may be the new medium for debtors to take their strength back in numbers.

]]></description>
		<wfw:commentRss>http://www.carreonandassociates.com/blog/?feed=rss2&amp;p=430</wfw:commentRss>
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