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	<title>Carreon and Associates Blog &#187; validation</title>
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	<link>http://www.carreonandassociates.com/blog</link>
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		<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>
		<wfw:commentRss>http://www.carreonandassociates.com/blog/?feed=rss2&amp;p=452</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>GUIDE TO DO-IT-YOURSELF CREDIT REPAIR</title>
		<link>http://www.carreonandassociates.com/blog/?p=296</link>
		<comments>http://www.carreonandassociates.com/blog/?p=296#comments</comments>
		<pubDate>Sun, 08 Feb 2009 02:09:07 +0000</pubDate>
		<dc:creator>Credit Manager</dc:creator>
				<category><![CDATA[Articles & Resources]]></category>
		<category><![CDATA[collections]]></category>
		<category><![CDATA[collector]]></category>
		<category><![CDATA[correct]]></category>
		<category><![CDATA[credit repair +free]]></category>
		<category><![CDATA[creditors]]></category>
		<category><![CDATA[delinquent]]></category>
		<category><![CDATA[equifax]]></category>
		<category><![CDATA[experian]]></category>
		<category><![CDATA[false information]]></category>
		<category><![CDATA[fix]]></category>
		<category><![CDATA[fix credit free]]></category>
		<category><![CDATA[free]]></category>
		<category><![CDATA[inaccurate account]]></category>
		<category><![CDATA[national bureaus]]></category>
		<category><![CDATA[negotiate]]></category>
		<category><![CDATA[public interest research group]]></category>
		<category><![CDATA[repair]]></category>
		<category><![CDATA[sol]]></category>
		<category><![CDATA[trans union]]></category>
		<category><![CDATA[validation]]></category>

		<guid isPermaLink="false">http://www.carreonandassociates.com/blog/?p=296</guid>
		<description><![CDATA[70% of credit reports containing errors and many of those very serious errors. This information, according to the Public Interest Research Group- (www.PIRG.org) has consumers wondering just how accurate their credit reports are. 
]]></description>
		<wfw:commentRss>http://www.carreonandassociates.com/blog/?feed=rss2&amp;p=296</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Fix your credit by lawsuit? Yes you can</title>
		<link>http://www.carreonandassociates.com/blog/?p=238</link>
		<comments>http://www.carreonandassociates.com/blog/?p=238#comments</comments>
		<pubDate>Mon, 27 Oct 2008 12:36:39 +0000</pubDate>
		<dc:creator>Credit Manager</dc:creator>
				<category><![CDATA[Articles & Resources]]></category>
		<category><![CDATA[Misc.]]></category>
		<category><![CDATA[bills]]></category>
		<category><![CDATA[closure]]></category>
		<category><![CDATA[collection agencies]]></category>
		<category><![CDATA[collections]]></category>
		<category><![CDATA[consumer]]></category>
		<category><![CDATA[damages]]></category>
		<category><![CDATA[debt request]]></category>
		<category><![CDATA[education]]></category>
		<category><![CDATA[FDCPA]]></category>
		<category><![CDATA[fix]]></category>
		<category><![CDATA[ftc]]></category>
		<category><![CDATA[harassment]]></category>
		<category><![CDATA[inconvenienced]]></category>
		<category><![CDATA[intimidation]]></category>
		<category><![CDATA[law suit]]></category>
		<category><![CDATA[lawsuits]]></category>
		<category><![CDATA[mail return receipt]]></category>
		<category><![CDATA[proof]]></category>
		<category><![CDATA[receipts]]></category>
		<category><![CDATA[risk]]></category>
		<category><![CDATA[small claims court]]></category>
		<category><![CDATA[validate]]></category>
		<category><![CDATA[validation]]></category>
		<category><![CDATA[violations]]></category>

		<guid isPermaLink="false">http://www.n2credit.com/tools/?p=261</guid>
		<description><![CDATA[Step by step how to sue a collection agency in small claims court]]></description>
		<wfw:commentRss>http://www.carreonandassociates.com/blog/?feed=rss2&amp;p=238</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Dealing with collection accounts</title>
		<link>http://www.carreonandassociates.com/blog/?p=107</link>
		<comments>http://www.carreonandassociates.com/blog/?p=107#comments</comments>
		<pubDate>Tue, 29 Jul 2008 16:48:52 +0000</pubDate>
		<dc:creator>Credit Manager</dc:creator>
				<category><![CDATA[Articles & Resources]]></category>
		<category><![CDATA[Misc.]]></category>
		<category><![CDATA[address account]]></category>
		<category><![CDATA[agency]]></category>
		<category><![CDATA[agreement]]></category>
		<category><![CDATA[appropriate records]]></category>
		<category><![CDATA[bill collectors]]></category>
		<category><![CDATA[bureaus]]></category>
		<category><![CDATA[capital one]]></category>
		<category><![CDATA[charge offs]]></category>
		<category><![CDATA[collection accounts]]></category>
		<category><![CDATA[collection agencies]]></category>
		<category><![CDATA[collections]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit history]]></category>
		<category><![CDATA[creditor]]></category>
		<category><![CDATA[creditors]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debtors]]></category>
		<category><![CDATA[debts]]></category>
		<category><![CDATA[delete]]></category>
		<category><![CDATA[disputes]]></category>
		<category><![CDATA[exceptions]]></category>
		<category><![CDATA[expired]]></category>
		<category><![CDATA[fairness]]></category>
		<category><![CDATA[FDCPA]]></category>
		<category><![CDATA[fdcpa settlements]]></category>
		<category><![CDATA[judgments]]></category>
		<category><![CDATA[letter]]></category>
		<category><![CDATA[mail]]></category>
		<category><![CDATA[make]]></category>
		<category><![CDATA[mistake]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[negotiate]]></category>
		<category><![CDATA[online]]></category>
		<category><![CDATA[payment history]]></category>
		<category><![CDATA[payments]]></category>
		<category><![CDATA[practices]]></category>
		<category><![CDATA[quotas]]></category>
		<category><![CDATA[rates]]></category>
		<category><![CDATA[remove]]></category>
		<category><![CDATA[report]]></category>
		<category><![CDATA[settle]]></category>
		<category><![CDATA[sole purpose]]></category>
		<category><![CDATA[statutes]]></category>
		<category><![CDATA[strike a deal]]></category>
		<category><![CDATA[tax liens]]></category>
		<category><![CDATA[third party]]></category>
		<category><![CDATA[validate]]></category>
		<category><![CDATA[validation]]></category>
		<category><![CDATA[vod]]></category>

		<guid isPermaLink="false">http://www.n2credit.com/tools/?p=96</guid>
		<description><![CDATA[I&#8217;ve seen it all with credit reports. Judgments, tax liens, charge offs and collection accounts. Those are the tougher items. You probably assume that a 30, 60, or 90 day late is much easier to remove than a collection account. Not so and here&#8217;s why. An original creditor, say a Capital One, isn&#8217;t going to [...]]]></description>
		<wfw:commentRss>http://www.carreonandassociates.com/blog/?feed=rss2&amp;p=107</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Writing to a collection agency? Use caution</title>
		<link>http://www.carreonandassociates.com/blog/?p=96</link>
		<comments>http://www.carreonandassociates.com/blog/?p=96#comments</comments>
		<pubDate>Sun, 29 Jun 2008 21:17:48 +0000</pubDate>
		<dc:creator>Credit Manager</dc:creator>
				<category><![CDATA[Articles & Resources]]></category>
		<category><![CDATA[Misc.]]></category>
		<category><![CDATA[ammunition]]></category>
		<category><![CDATA[big    agency]]></category>
		<category><![CDATA[billing]]></category>
		<category><![CDATA[bills]]></category>
		<category><![CDATA[bureaus]]></category>
		<category><![CDATA[collection agencies]]></category>
		<category><![CDATA[collections]]></category>
		<category><![CDATA[collector]]></category>
		<category><![CDATA[collectors]]></category>
		<category><![CDATA[consumer]]></category>
		<category><![CDATA[consumers]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[creditor]]></category>
		<category><![CDATA[creditors]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debtor rights]]></category>
		<category><![CDATA[debts]]></category>
		<category><![CDATA[disputes]]></category>
		<category><![CDATA[expired]]></category>
		<category><![CDATA[haunt]]></category>
		<category><![CDATA[instinct]]></category>
		<category><![CDATA[letter]]></category>
		<category><![CDATA[lists]]></category>
		<category><![CDATA[make]]></category>
		<category><![CDATA[mistake]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[online]]></category>
		<category><![CDATA[payments]]></category>
		<category><![CDATA[report]]></category>
		<category><![CDATA[sample collection agency letters]]></category>
		<category><![CDATA[sol]]></category>
		<category><![CDATA[spent]]></category>
		<category><![CDATA[statute of limitations]]></category>
		<category><![CDATA[statutes]]></category>
		<category><![CDATA[surprise]]></category>
		<category><![CDATA[truth]]></category>
		<category><![CDATA[validate]]></category>
		<category><![CDATA[validation]]></category>

		<guid isPermaLink="false">http://www.n2credit.com/?p=94</guid>
		<description><![CDATA[I’ve spent many years writing a lot of letters. Not love letters unfortunately but letters to deal with credit issues. Letters to creditors, collection agencies and credit bureaus. You’d be surprised just how many people do not how to write a letter, not because they’re uneducated but because these letters are tricky in nature. Anything [...]]]></description>
		<wfw:commentRss>http://www.carreonandassociates.com/blog/?feed=rss2&amp;p=96</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Defendants in Debt Collection Scheme Aimed At Hispanics Agree to Settle FTC Charges</title>
		<link>http://www.carreonandassociates.com/blog/?p=88</link>
		<comments>http://www.carreonandassociates.com/blog/?p=88#comments</comments>
		<pubDate>Wed, 11 Jun 2008 18:23:47 +0000</pubDate>
		<dc:creator>Credit Manager</dc:creator>
				<category><![CDATA[Articles & Resources]]></category>
		<category><![CDATA[abusive]]></category>
		<category><![CDATA[agency]]></category>
		<category><![CDATA[agreement]]></category>
		<category><![CDATA[attorneys]]></category>
		<category><![CDATA[authors]]></category>
		<category><![CDATA[collections]]></category>
		<category><![CDATA[collector]]></category>
		<category><![CDATA[collectors]]></category>
		<category><![CDATA[consumer]]></category>
		<category><![CDATA[consumers]]></category>
		<category><![CDATA[corporate defendants]]></category>
		<category><![CDATA[creditor]]></category>
		<category><![CDATA[creditors]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debt collection practices]]></category>
		<category><![CDATA[debt collectors]]></category>
		<category><![CDATA[debts]]></category>
		<category><![CDATA[decisions]]></category>
		<category><![CDATA[disputes]]></category>
		<category><![CDATA[english language course]]></category>
		<category><![CDATA[exceptions]]></category>
		<category><![CDATA[fair debt collection]]></category>
		<category><![CDATA[fairness]]></category>
		<category><![CDATA[falsehood]]></category>
		<category><![CDATA[FDCPA]]></category>
		<category><![CDATA[federal judge]]></category>
		<category><![CDATA[federal trade commission]]></category>
		<category><![CDATA[fee]]></category>
		<category><![CDATA[ftc]]></category>
		<category><![CDATA[ftc act]]></category>
		<category><![CDATA[imprisonment]]></category>
		<category><![CDATA[make]]></category>
		<category><![CDATA[misrepresentations]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[online]]></category>
		<category><![CDATA[overwhelming majority]]></category>
		<category><![CDATA[personal]]></category>
		<category><![CDATA[practices]]></category>
		<category><![CDATA[rickards]]></category>
		<category><![CDATA[services]]></category>
		<category><![CDATA[settle]]></category>
		<category><![CDATA[shipping and handling]]></category>
		<category><![CDATA[trade commission charges]]></category>
		<category><![CDATA[ugalde]]></category>
		<category><![CDATA[validate]]></category>
		<category><![CDATA[validation]]></category>
		<category><![CDATA[wages]]></category>

		<guid isPermaLink="false">http://www.n2credit.com/?p=86</guid>
		<description><![CDATA[Two defendants have agreed to settle Federal Trade Commission charges for allegedly victimizing Spanish-speaking consumers nationwide by posing as debt collectors seeking money the consumers did not owe. They and the corporate defendants they controlled have been barred from further violations of federal law involving debt collection. According to the FTC’s complaint, Maria Oceguera, her [...]]]></description>
		<wfw:commentRss>http://www.carreonandassociates.com/blog/?feed=rss2&amp;p=88</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Credit score will determine what you pay: Insurance and Loans</title>
		<link>http://www.carreonandassociates.com/blog/?p=87</link>
		<comments>http://www.carreonandassociates.com/blog/?p=87#comments</comments>
		<pubDate>Wed, 04 Jun 2008 21:52:47 +0000</pubDate>
		<dc:creator>Credit Manager</dc:creator>
				<category><![CDATA[Articles & Resources]]></category>
		<category><![CDATA[agency]]></category>
		<category><![CDATA[auto s]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[best]]></category>
		<category><![CDATA[bills]]></category>
		<category><![CDATA[borrowers]]></category>
		<category><![CDATA[cards]]></category>
		<category><![CDATA[cla]]></category>
		<category><![CDATA[collection actions]]></category>
		<category><![CDATA[collections]]></category>
		<category><![CDATA[consumer]]></category>
		<category><![CDATA[consumers]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit  loan repayment]]></category>
		<category><![CDATA[credit experiences]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[credit scoring system]]></category>
		<category><![CDATA[credit scoring systems]]></category>
		<category><![CDATA[creditor]]></category>
		<category><![CDATA[creditors]]></category>
		<category><![CDATA[customers]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debts]]></category>
		<category><![CDATA[decisions]]></category>
		<category><![CDATA[denial]]></category>
		<category><![CDATA[disputes]]></category>
		<category><![CDATA[fairness]]></category>
		<category><![CDATA[federal trade commission]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[ftc]]></category>
		<category><![CDATA[homeowners insurance]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[initiative]]></category>
		<category><![CDATA[inquiries]]></category>
		<category><![CDATA[insurance companies]]></category>
		<category><![CDATA[insurance im]]></category>
		<category><![CDATA[lenders]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[make]]></category>
		<category><![CDATA[management]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[negotiate]]></category>
		<category><![CDATA[online]]></category>
		<category><![CDATA[programs]]></category>
		<category><![CDATA[protection  repayment history]]></category>
		<category><![CDATA[rates]]></category>
		<category><![CDATA[rejection]]></category>
		<category><![CDATA[rejections]]></category>
		<category><![CDATA[scores]]></category>
		<category><![CDATA[services]]></category>
		<category><![CDATA[statistical program]]></category>
		<category><![CDATA[system awards]]></category>
		<category><![CDATA[system ors]]></category>
		<category><![CDATA[types of businesses]]></category>
		<category><![CDATA[validate]]></category>
		<category><![CDATA[validation]]></category>

		<guid isPermaLink="false">http://www.n2credit.com/?p=85</guid>
		<description><![CDATA[Need Credit or Insurance? Your Credit Score Helps Determine What You’ll Pay Ever wonder how a lender decides whether to grant you credit? For years, creditors have been using credit scoring systems to determine if you’d be a good risk for credit cards, auto loans, and mortgages. These days, many more types of businesses — [...]]]></description>
		<wfw:commentRss>http://www.carreonandassociates.com/blog/?feed=rss2&amp;p=87</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What To Do About Old Chargeoffs And Collections</title>
		<link>http://www.carreonandassociates.com/blog/?p=60</link>
		<comments>http://www.carreonandassociates.com/blog/?p=60#comments</comments>
		<pubDate>Fri, 18 Jan 2008 22:53:44 +0000</pubDate>
		<dc:creator>Credit Manager</dc:creator>
				<category><![CDATA[Articles & Resources]]></category>
		<category><![CDATA[authors]]></category>
		<category><![CDATA[best]]></category>
		<category><![CDATA[bills]]></category>
		<category><![CDATA[chargeoff]]></category>
		<category><![CDATA[creditor]]></category>
		<category><![CDATA[creditors]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debts]]></category>
		<category><![CDATA[disputes]]></category>
		<category><![CDATA[lists]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[negotiate]]></category>
		<category><![CDATA[personal]]></category>
		<category><![CDATA[settle]]></category>
		<category><![CDATA[validate]]></category>
		<category><![CDATA[validation]]></category>
		<category><![CDATA[vod]]></category>

		<guid isPermaLink="false">http://n2credit.com/?p=56</guid>
		<description><![CDATA[If you have some outstanding debts that need to be cleaned up once and for all, here are the 2 best strategies to use: VOD (Validation Of Debt)   DN (Debt Negotiation a/k/a Debt Settlement) I&#8217;ll explain each strategy in detail, then give you some examples of when to use (and when not to use) [...]]]></description>
		<wfw:commentRss>http://www.carreonandassociates.com/blog/?feed=rss2&amp;p=60</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Using Mint.com to Manage Your Personal Finances</title>
		<link>http://www.carreonandassociates.com/blog/?p=59</link>
		<comments>http://www.carreonandassociates.com/blog/?p=59#comments</comments>
		<pubDate>Fri, 18 Jan 2008 21:16:21 +0000</pubDate>
		<dc:creator>Credit Manager</dc:creator>
				<category><![CDATA[Articles & Resources]]></category>
		<category><![CDATA[banking]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[best]]></category>
		<category><![CDATA[bills]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[cards]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[decisions]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[make]]></category>
		<category><![CDATA[mint]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[online]]></category>
		<category><![CDATA[personal]]></category>
		<category><![CDATA[savings]]></category>
		<category><![CDATA[software]]></category>
		<category><![CDATA[spending]]></category>
		<category><![CDATA[validation]]></category>

		<guid isPermaLink="false">http://n2credit.com/?p=55</guid>
		<description><![CDATA[If dealing with personal financial software seems cumbersome to you, you&#8217;re not alone. Finding an easy to use budgeter is now easier because of Mint.com. I like this budgeting platform because it helps you uncover where money is going and where it can be better used. I already set up an account and am using it [...]]]></description>
		<wfw:commentRss>http://www.carreonandassociates.com/blog/?feed=rss2&amp;p=59</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FICO credit score gets makeover</title>
		<link>http://www.carreonandassociates.com/blog/?p=52</link>
		<comments>http://www.carreonandassociates.com/blog/?p=52#comments</comments>
		<pubDate>Fri, 21 Dec 2007 18:05:07 +0000</pubDate>
		<dc:creator>Credit Manager</dc:creator>
				<category><![CDATA[Articles & Resources]]></category>
		<category><![CDATA[authors]]></category>
		<category><![CDATA[banking]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[bureaus]]></category>
		<category><![CDATA[cards]]></category>
		<category><![CDATA[consumers]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debts]]></category>
		<category><![CDATA[delinquent]]></category>
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		<guid isPermaLink="false">http://n2credit.com/?p=46</guid>
		<description><![CDATA[Fair Isaac Corp., creator of the popular FICO credit score used by most lenders, says its new scoring model will do a better job predicting the likelihood of a borrower defaulting on a loan. For one thing, the new model, dubbed FICO 08, will be more forgiving of occasional slips by consumers, but will take [...]]]></description>
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