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	<title>The Freedom From Debt Blog</title>
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		<title>Credit Cards Raising Interest Rates, Payments</title>
		<link>http://blog.pfni.net/?p=36</link>
		<comments>http://blog.pfni.net/?p=36#comments</comments>
		<pubDate>Fri, 17 Jul 2009 16:47:25 +0000</pubDate>
		<dc:creator>djohnson</dc:creator>
				<category><![CDATA[Credit and Debt News]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[debt help]]></category>
		<category><![CDATA[lower interest rates]]></category>
		<category><![CDATA[lower payments]]></category>
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		<guid isPermaLink="false">http://blog.pfni.net/?p=36</guid>
		<description><![CDATA[With the new laws designed to protect credit card holders from unfair practices set to go into effect next year, many credit card companies are taking action now to shore up profits. Recently, several major credit card companies have started raising interest rates.  Many consumers have also seen their credit limits cut, which in turn [...]]]></description>
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		<title>Lower Credit Limits, Debt Settlement Scams, and Stimulus Package</title>
		<link>http://blog.pfni.net/?p=33</link>
		<comments>http://blog.pfni.net/?p=33#comments</comments>
		<pubDate>Tue, 24 Feb 2009 17:54:15 +0000</pubDate>
		<dc:creator>djohnson</dc:creator>
				<category><![CDATA[Credit and Debt News]]></category>
		<category><![CDATA[Stimulus News]]></category>
		<category><![CDATA[credit limits]]></category>
		<category><![CDATA[credit repair]]></category>
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		<guid isPermaLink="false">http://blog.pfni.net/?p=33</guid>
		<description><![CDATA[In these difficult and rapidly changing economic times, it is more important than ever for us to keep up with new laws and developments that effect our personal finances.  Recently, there has been a flurry of these types of developments.  Here are just a few of things you will want to keep your eye on [...]]]></description>
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		<title>Lower Interest Rates, Lower Payments on Credit Cards</title>
		<link>http://blog.pfni.net/?p=30</link>
		<comments>http://blog.pfni.net/?p=30#comments</comments>
		<pubDate>Mon, 15 Dec 2008 17:06:01 +0000</pubDate>
		<dc:creator>djohnson</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[consolidation]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[debt help]]></category>
		<category><![CDATA[lower interest rates]]></category>
		<category><![CDATA[lower payments]]></category>

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		<description><![CDATA[One simple fact that many people do not realize is that, with the way most credit card company&#8217;s calculate minimum payments now, there is a direct link between your interest rate, or APR, and your monthly minimum payment.  In other words, a higher interest rate usually means a higher monthly payment, while a lower interest [...]]]></description>
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		<title>FICO 08 &#8211; Credit Score Changes Coming</title>
		<link>http://blog.pfni.net/?p=28</link>
		<comments>http://blog.pfni.net/?p=28#comments</comments>
		<pubDate>Thu, 03 Jul 2008 20:05:32 +0000</pubDate>
		<dc:creator>djohnson</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[credit scores]]></category>

		<guid isPermaLink="false">http://blog.pfni.net/?p=28</guid>
		<description><![CDATA[Credit scoring company Fair Isaac has announced that major changes are coming to the credit scoring system.  The changes, termed FICO 08, will attempt to correct what many feel are problems with the current credit scoring systems.  Some of the major changes will involve: Small delinquincies of less than $100, generally non-credit related, will have [...]]]></description>
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		<title>Sallie Mae Mistake Hurts Borrowers</title>
		<link>http://blog.pfni.net/?p=27</link>
		<comments>http://blog.pfni.net/?p=27#comments</comments>
		<pubDate>Wed, 14 May 2008 18:29:26 +0000</pubDate>
		<dc:creator>djohnson</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[news]]></category>
		<category><![CDATA[student loans]]></category>

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		<description><![CDATA[Thousands of borrowers who have student loans with Sallie Mae, the nation&#8217;s largest student loan lender, are seeing their credit scores plummet due to an error in Sallie Mae&#8217;s reporting to credit bureaus.  The error affects borrowers who are using the company&#8217;s graduated payment plan, which allows the borrow to make smaller payments, at times low enough to [...]]]></description>
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		<title>Online Credit Card Consolidation Tips</title>
		<link>http://blog.pfni.net/?p=26</link>
		<comments>http://blog.pfni.net/?p=26#comments</comments>
		<pubDate>Tue, 01 Apr 2008 19:54:21 +0000</pubDate>
		<dc:creator>djohnson</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[consolidation]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[debt help]]></category>
		<category><![CDATA[lower interest]]></category>
		<category><![CDATA[tips]]></category>

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		<description><![CDATA[As more and more people turn to the internet for their shopping, research, and various other needs, the popularity of online debt consolidation sites (and spam) has skyrocketed.  We generally recommend speaking with an accredited credit counselor who can answer questions, walk you through the process, and help you decide whether consolidating your credit cards [...]]]></description>
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