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	<title>Comments for Credit Material</title>
	<atom:link href="http://www.creditmaterial.com/comments/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.creditmaterial.com</link>
	<description>Credit Card Applications, Payday Loans, Home Refinance, Money Market Blog</description>
	<lastBuildDate>Tue, 01 Sep 2009 17:18:07 -0400</lastBuildDate>
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		<title>Comment on Invest in Gold Without Getting Scammed by Sell Gold Jewelry</title>
		<link>http://www.creditmaterial.com/2009/08/invest-in-gold-without-getting-scammed-2/comment-page-1/#comment-1817</link>
		<dc:creator>Sell Gold Jewelry</dc:creator>
		<pubDate>Tue, 01 Sep 2009 17:18:07 +0000</pubDate>
		<guid isPermaLink="false">http://www.mint.com/blog/?p=5425#comment-1817</guid>
		<description>I have had great success selling my gold to online gold buyers but you must shop around. Just my 2 cents. Thanks for the post!</description>
		<content:encoded><![CDATA[<p>I have had great success selling my gold to online gold buyers but you must shop around. Just my 2 cents. Thanks for the post!</p>
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		<title>Comment on The Case for College Credit Cards by Frank Fitton</title>
		<link>http://www.creditmaterial.com/2009/07/the-case-for-college-credit-cards/comment-page-1/#comment-1777</link>
		<dc:creator>Frank Fitton</dc:creator>
		<pubDate>Mon, 03 Aug 2009 16:25:21 +0000</pubDate>
		<guid isPermaLink="false">http://www.fairloanrate.com/2009/07/27/the-case-for-college-credit-cards/#comment-1777</guid>
		<description>I think these new credit card laws for college students are not going to have the effect that they are intending. All its going to do is push the learning curve a few years later. I think the only real way to learn about how to be responsible managing your credit cards, is to go through a few bumps in the road.

I wrote a blog about this situation as well, check it out at http://www.thedebtgazette.com/2009/08/collegestudentlaws/</description>
		<content:encoded><![CDATA[<p>I think these new credit card laws for college students are not going to have the effect that they are intending. All its going to do is push the learning curve a few years later. I think the only real way to learn about how to be responsible managing your credit cards, is to go through a few bumps in the road.</p>
<p>I wrote a blog about this situation as well, check it out at <a href="http://www.thedebtgazette.com/2009/08/collegestudentlaws/" rel="nofollow">http://www.thedebtgazette.com/2009/08/collegestudentlaws/</a></p>
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		<title>Comment on Top 5 Debt Consolidation Moves by Denns Debt Report</title>
		<link>http://www.creditmaterial.com/2009/07/top-5-debt-consolidation-moves/comment-page-1/#comment-1763</link>
		<dc:creator>Denns Debt Report</dc:creator>
		<pubDate>Sat, 25 Jul 2009 01:16:14 +0000</pubDate>
		<guid isPermaLink="false">http://www.fairloanrate.com/?p=1796#comment-1763</guid>
		<description>The techniques of consolidating in this blog are very well explained. Anyone can benefit from this good advice. Very well written.</description>
		<content:encoded><![CDATA[<p>The techniques of consolidating in this blog are very well explained. Anyone can benefit from this good advice. Very well written.</p>
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		<title>Comment on Bad Credit Student Loans for High Risk Students by Bad Credit Student Loans for High Risk Students &#124; Credit Material &#124; The consolidating private student loans</title>
		<link>http://www.creditmaterial.com/2009/07/bad-credit-student-loans-for-high-risk-students/comment-page-1/#comment-1743</link>
		<dc:creator>Bad Credit Student Loans for High Risk Students &#124; Credit Material &#124; The consolidating private student loans</dc:creator>
		<pubDate>Wed, 15 Jul 2009 21:16:38 +0000</pubDate>
		<guid isPermaLink="false">http://www.fairloanrate.com/?p=1604#comment-1743</guid>
		<description>[...] that do not order a assign judgement analyse and substance &#8230;   Here is the example post: Bad Credit Student Loans for High Risk Students &#124; Credit Material      Posted in Credit, Uncategorized &#124;  Tags: a-bad-credit, a-credit-rating, are-federal, [...]</description>
		<content:encoded><![CDATA[<p>[...] that do not order a assign judgement analyse and substance &#8230;   Here is the example post: Bad Credit Student Loans for High Risk Students | Credit Material      Posted in Credit, Uncategorized |  Tags: a-bad-credit, a-credit-rating, are-federal, [...]</p>
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		<title>Comment on Top Ten Financial Crises In World Economic History by ECDomain Article Directory &#187; Top Ten Financial Crises In World Economic History &#124; Credit Material</title>
		<link>http://www.creditmaterial.com/2009/07/top-ten-financial-crises-in-world-economic-history/comment-page-1/#comment-1738</link>
		<dc:creator>ECDomain Article Directory &#187; Top Ten Financial Crises In World Economic History &#124; Credit Material</dc:creator>
		<pubDate>Wed, 15 Jul 2009 04:10:22 +0000</pubDate>
		<guid isPermaLink="false">http://www.fairloanrate.com/?p=1595#comment-1738</guid>
		<description>[...] Top Ten Financial Crises In World Economic History &#124; Credit Material No TweetBacks yet. (Be the first to Tweet this post)SHARETHIS.addEntry({ title: &quot;Top Ten Financial [...]</description>
		<content:encoded><![CDATA[<p>[...] Top Ten Financial Crises In World Economic History | Credit Material No TweetBacks yet. (Be the first to Tweet this post)SHARETHIS.addEntry({ title: &#8220;Top Ten Financial [...]</p>
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		<title>Comment on How to Dispute Credit Report Errors by KonstantinMiller</title>
		<link>http://www.creditmaterial.com/2009/06/how-to-dispute-credit-report-errors/comment-page-1/#comment-1708</link>
		<dc:creator>KonstantinMiller</dc:creator>
		<pubDate>Mon, 06 Jul 2009 21:17:53 +0000</pubDate>
		<guid isPermaLink="false">http://www.creditmaterial.com/2009/06/how-to-dispute-credit-report-errors/#comment-1708</guid>
		<description>Hi. I like the way you write. Will you post some more articles?</description>
		<content:encoded><![CDATA[<p>Hi. I like the way you write. Will you post some more articles?</p>
]]></content:encoded>
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		<title>Comment on Credit Card Solution by Virtual Terminal</title>
		<link>http://www.creditmaterial.com/2009/05/credit-card-solution/comment-page-1/#comment-1658</link>
		<dc:creator>Virtual Terminal</dc:creator>
		<pubDate>Mon, 08 Jun 2009 19:56:52 +0000</pubDate>
		<guid isPermaLink="false">http://www.creditmaterial.com/2009/05/credit-card-solution/#comment-1658</guid>
		<description>One card-not-present payment method ignored in this article is the Virtual Terminal. Simply put, you can key in or swipe credit card info anytime to process payments. You can also set up recurring or rebilling for memberships/subscriptions. The optional card reader makes a virtual terminal an ideal choice for trade shows, party plans, home selling, travelling sales, etc.</description>
		<content:encoded><![CDATA[<p>One card-not-present payment method ignored in this article is the Virtual Terminal. Simply put, you can key in or swipe credit card info anytime to process payments. You can also set up recurring or rebilling for memberships/subscriptions. The optional card reader makes a virtual terminal an ideal choice for trade shows, party plans, home selling, travelling sales, etc.</p>
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		<title>Comment on No Credit Car Loans &#8211; Even With No Credit History, You Can Still Get Approved by KrisBelucci</title>
		<link>http://www.creditmaterial.com/2009/05/no-credit-car-loans-even-with-no-credit-history-you-can-still-get-approved/comment-page-1/#comment-1647</link>
		<dc:creator>KrisBelucci</dc:creator>
		<pubDate>Tue, 02 Jun 2009 15:03:26 +0000</pubDate>
		<guid isPermaLink="false">http://www.creditmaterial.com/2009/05/no-credit-car-loans-even-with-no-credit-history-you-can-still-get-approved/#comment-1647</guid>
		<description>Great post! Just wanted to let you know you have a new subscriber- me!</description>
		<content:encoded><![CDATA[<p>Great post! Just wanted to let you know you have a new subscriber- me!</p>
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		<title>Comment on The Ins and Outs of Credit Card Debt Settlement by Susie</title>
		<link>http://www.creditmaterial.com/2009/05/the-ins-and-outs-of-credit-card-debt-settlement/comment-page-1/#comment-1641</link>
		<dc:creator>Susie</dc:creator>
		<pubDate>Mon, 01 Jun 2009 14:39:42 +0000</pubDate>
		<guid isPermaLink="false">http://www.creditmaterial.com/2009/05/the-ins-and-outs-of-credit-card-debt-settlement/#comment-1641</guid>
		<description>All debt settlement companies that are members of The Association of Settlement Companies (TASC), which is the industry’s regulator—have negotiated and continue to negotiate with the major credit card companies and financial institutions.  While your creditor may publicly deny working with third-party debt settlement companies, a TASC member is regulated and audited, and must provide an accurate assessment of its ability to negotiate with your specific creditors.

Debt settlement is not right for everyone, but for an appropriate financial profile, it can be the least expensive and fastest alternative to bankruptcy with the shortest long-term effect on your own credit viability.

For more information, check out: http://www.tascsite.org</description>
		<content:encoded><![CDATA[<p>All debt settlement companies that are members of The Association of Settlement Companies (TASC), which is the industry’s regulator—have negotiated and continue to negotiate with the major credit card companies and financial institutions.  While your creditor may publicly deny working with third-party debt settlement companies, a TASC member is regulated and audited, and must provide an accurate assessment of its ability to negotiate with your specific creditors.</p>
<p>Debt settlement is not right for everyone, but for an appropriate financial profile, it can be the least expensive and fastest alternative to bankruptcy with the shortest long-term effect on your own credit viability.</p>
<p>For more information, check out: <a href="http://www.tascsite.org" rel="nofollow">http://www.tascsite.org</a></p>
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		<title>Comment on Beware Of Bad Credit Payday Loans by Emily Winkle</title>
		<link>http://www.creditmaterial.com/2009/05/beware-of-bad-credit-payday-loans/comment-page-1/#comment-1586</link>
		<dc:creator>Emily Winkle</dc:creator>
		<pubDate>Thu, 21 May 2009 21:00:18 +0000</pubDate>
		<guid isPermaLink="false">http://www.creditmaterial.com/2009/05/beware-of-bad-credit-payday-loans/#comment-1586</guid>
		<description>Payday loans are a great resource, but they need to be used responsibly just like a credit card or other traditional loan. Check &#039;n Go offers payday loans in many states, and also from the convenience of your own home. Visit www.checkngo.com for more information.</description>
		<content:encoded><![CDATA[<p>Payday loans are a great resource, but they need to be used responsibly just like a credit card or other traditional loan. Check &#8216;n Go offers payday loans in many states, and also from the convenience of your own home. Visit <a href="http://www.checkngo.com" rel="nofollow">http://www.checkngo.com</a> for more information.</p>
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		<title>Comment on Bad Credit Personal Loan &#8211; A Pay Day Loan May Be Your Best Option, No Credit Check by Emily Winkle</title>
		<link>http://www.creditmaterial.com/2009/05/bad-credit-personal-loan-a-pay-day-loan-may-be-your-best-option-no-credit-check/comment-page-1/#comment-1579</link>
		<dc:creator>Emily Winkle</dc:creator>
		<pubDate>Thu, 21 May 2009 19:44:28 +0000</pubDate>
		<guid isPermaLink="false">http://www.creditmaterial.com/2009/05/bad-credit-personal-loan-a-pay-day-loan-may-be-your-best-option-no-credit-check/#comment-1579</guid>
		<description>While almost everyone is eligible for a payday loan, payday loans are to be used only in emergencies. When the alternative to not paying for what you need is worse than taking out a short-term loan to pay for it. Visit www.checkngo.com for more information.</description>
		<content:encoded><![CDATA[<p>While almost everyone is eligible for a payday loan, payday loans are to be used only in emergencies. When the alternative to not paying for what you need is worse than taking out a short-term loan to pay for it. Visit <a href="http://www.checkngo.com" rel="nofollow">http://www.checkngo.com</a> for more information.</p>
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		<title>Comment on Home Owners Avoiding Complications in Credit Repair by Home Owners Avoiding Complications in Credit Repair &#124; Credit Material &#124; MortgagePaid.com</title>
		<link>http://www.creditmaterial.com/2009/05/home-owners-avoiding-complications-in-credit-repair/comment-page-1/#comment-1567</link>
		<dc:creator>Home Owners Avoiding Complications in Credit Repair &#124; Credit Material &#124; MortgagePaid.com</dc:creator>
		<pubDate>Wed, 20 May 2009 11:50:03 +0000</pubDate>
		<guid isPermaLink="false">http://www.creditmaterial.com/2009/05/home-owners-avoiding-complications-in-credit-repair/#comment-1567</guid>
		<description>[...] original post here:  Home Owners Avoiding Complications in Credit Repair &#124; Credit&#160;MaterialSHARETHIS.addEntry({ title: &quot;Home Owners Avoiding Complications in Credit Repair &#124; Credit Material&quot;, [...]</description>
		<content:encoded><![CDATA[<p>[...] original post here:  Home Owners Avoiding Complications in Credit Repair | Credit&nbsp;MaterialSHARETHIS.addEntry({ title: &#8220;Home Owners Avoiding Complications in Credit Repair | Credit Material&#8221;, [...]</p>
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		<title>Comment on California Bad Credit Mortgage by California Bad Credit Mortgage &#124; Bad Credit Specialist</title>
		<link>http://www.creditmaterial.com/2009/05/california-bad-credit-mortgage/comment-page-1/#comment-1566</link>
		<dc:creator>California Bad Credit Mortgage &#124; Bad Credit Specialist</dc:creator>
		<pubDate>Wed, 20 May 2009 04:32:38 +0000</pubDate>
		<guid isPermaLink="false">http://www.creditmaterial.com/2009/05/california-bad-credit-mortgage/#comment-1566</guid>
		<description>[...] The rest is here: California Bad Credit Mortgage [...]</description>
		<content:encoded><![CDATA[<p>[...] The rest is here: California Bad Credit Mortgage [...]</p>
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		<title>Comment on Need Credit Repair Help? Try Doing It Yourself! by Carl</title>
		<link>http://www.creditmaterial.com/2009/05/need-credit-repair-help-try-doing-it-yourself/comment-page-1/#comment-1565</link>
		<dc:creator>Carl</dc:creator>
		<pubDate>Wed, 20 May 2009 00:09:12 +0000</pubDate>
		<guid isPermaLink="false">http://www.creditmaterial.com/2009/05/need-credit-repair-help-try-doing-it-yourself/#comment-1565</guid>
		<description>&quot;no one can legally remove any information that is
up-to-date and accurate from your credit report.&quot;

That is not true... See the Fair Credit Reporting Act 611(a)(5)... If the bank have lost the paperwork needed to prove/verify the reporting the account gets deleted.. And they do loose it all the time, it cost them money to keep all those records, that&#039;s why credit repair works.

Here is the FCRA

(5) Treatment of inaccurate or unverifiable information.

(A) In general. If, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall--

(i) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and

(ii) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.</description>
		<content:encoded><![CDATA[<p>&#8220;no one can legally remove any information that is<br />
up-to-date and accurate from your credit report.&#8221;</p>
<p>That is not true&#8230; See the Fair Credit Reporting Act 611(a)(5)&#8230; If the bank have lost the paperwork needed to prove/verify the reporting the account gets deleted.. And they do loose it all the time, it cost them money to keep all those records, that&#8217;s why credit repair works.</p>
<p>Here is the FCRA</p>
<p>(5) Treatment of inaccurate or unverifiable information.</p>
<p>(A) In general. If, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall&#8211;</p>
<p>(i) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and</p>
<p>(ii) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.</p>
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		<title>Comment on Beware Of Bad Credit Payday Loans by Emily Winkle</title>
		<link>http://www.creditmaterial.com/2009/04/beware-of-bad-credit-payday-loans-2/comment-page-1/#comment-1551</link>
		<dc:creator>Emily Winkle</dc:creator>
		<pubDate>Tue, 12 May 2009 15:32:26 +0000</pubDate>
		<guid isPermaLink="false">http://www.creditmaterial.com/2009/04/beware-of-bad-credit-payday-loans-2/#comment-1551</guid>
		<description>Payday loans are a great resource, but they need to be used responsibly just like a credit card or other traditional loan. Check &#039;n Go offers payday loans in many states, and also from the convenience of your own home. Visit checkngo.com for more information.</description>
		<content:encoded><![CDATA[<p>Payday loans are a great resource, but they need to be used responsibly just like a credit card or other traditional loan. Check &#8216;n Go offers payday loans in many states, and also from the convenience of your own home. Visit checkngo.com for more information.</p>
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