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   <title>About.com Credit / Debt Management: What's Hot Now</title>
   <link>http://credit.about.com/</link>
   
      <description>These articles that had the largest increase in popularity over the last week</description>
      <language>en-us</language>
      <pubDate>Sat, 04 Jul 2009 10:02:30 +0000</pubDate>
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      <title>About.com</title>
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	  <link>http://www.about.com/</link> 
	  <width>118</width> 
	  <height>20</height>
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         <item>
            <title><![CDATA[Minimum Payment Increase]]></title>
            <link>http://credit.about.com/od/toughcreditissues/tp/minimum-payment-increase.htm</link>
            <description><![CDATA[Chase recently announced a minimum payment increase to some credit cardholders. More card issuers could follow. Here's what you can do about an increased minimum payment.]]></description>
            <category>money</category>
         </item>
         
         <item>
            <title><![CDATA[Sample Opt-Out Letter]]></title>
            <link>http://credit.about.com/od/toughcreditissues/a/sampleoptout.htm</link>
            <description><![CDATA[Here's a letter you can use to opt-out of a higher credit card interest rate. Opting-out allows you to pay your balance at your current interest rate.]]></description>
            <category>money</category>
         </item>
         
         <item>
            <title><![CDATA[Credit Business Complaint]]></title>
            <link>http://credit.about.com/od/consumercreditlaws/tp/credit-business-complaints.htm</link>
            <description><![CDATA[When your rights are violated by a business in the credit industry - whether it's bank, credit bureau, collection agency, or credit repair company - there are several legal entities you can complain to.]]></description>
            <category>money</category>
         </item>
         
         <item>
            <title><![CDATA[Colorado SOL]]></title>
            <link>http://credit.about.com/od/statuteoflimitations/g/cosol.htm</link>
            <description><![CDATA[The Colorado statute of limitations on debt limits the amount of debt you can be sued for an overdue debt]]></description>
            <category>money</category>
         </item>
         
         <item>
            <title><![CDATA[Michigan SOL]]></title>
            <link>http://credit.about.com/od/statuteoflimitations/g/misol.htm</link>
            <description><![CDATA[The statute of limitations on debt in Michigan limits the time you can be sued for a debt]]></description>
            <category>money</category>
         </item>
         
         <item>
            <title><![CDATA[Order Credit Score]]></title>
            <link>http://credit.about.com/od/creditreportscoring/qt/buycreditscore.htm</link>
            <description><![CDATA[Your credit score is a number that &quot;grades&quot; the information in your credit report. Banks use it to approve your application. You can order your credit score to find out how well your credit is doing.]]></description>
            <category>money</category>
         </item>
         
         <item>
            <title><![CDATA[Don&#039;t Opt-Out]]></title>
            <link>http://credit.about.com/od/usingcreditcards/qt/optoutdecision.htm</link>
            <description><![CDATA[Opting-out lets you decline the new rate and pay off your balance at the lower interest rate. There&#146;s a catch though, many credit card issuers will close your credit card if you don&#146;t accept the new rate. Think twice about opting-out in these situations.]]></description>
            <category>money</category>
         </item>
         
         <item>
            <title><![CDATA[Kansas SOL]]></title>
            <link>http://credit.about.com/od/statuteoflimitations/g/kansassol.htm</link>
            <description><![CDATA[The statute of limitations in Kansas limits the amount of time you can be sued for a debt.]]></description>
            <category>money</category>
         </item>
         
         <item>
            <title><![CDATA[Sample Close Letter]]></title>
            <link>http://credit.about.com/od/usingcreditcards/qt/closeccletter.htm</link>
            <description><![CDATA[You can use this letter to close your credit card.]]></description>
            <category>money</category>
         </item>
         
         <item>
            <title><![CDATA[Fastest Credit Card Pay]]></title>
            <link>http://credit.about.com/od/reducingdebt/f/fastdebtpayoff.htm</link>
            <description><![CDATA[Want to pay your credit cards off quickly? If you have the funds, you can get rid of your credit card debt as early as today. All you have to do it pay your credit card balances in full.]]></description>
            <category>money</category>
         </item>
         
         <item>
            <title><![CDATA[One Dollar Myth]]></title>
            <link>http://credit.about.com/od/usingcreditcards/a/onedollarpmt.htm</link>
            <description><![CDATA[Ever been given this advice &quot;Send at least one dollar to your credit card company.  They can't sue you as long as you send something - anything&quot;?  Unless your credit card minimum payment is one dollar, this advice is wrong!]]></description>
            <category>money</category>
         </item>
         
         <item>
            <title><![CDATA[Contact FTC]]></title>
            <link>http://credit.about.com/od/consumercreditlaws/qt/contactftc.htm</link>
            <description><![CDATA[When your rights under any of the several consumer credit laws have been violated, like a FDCPA violation, you should contact the FTC to let them know.]]></description>
            <category>money</category>
         </item>
         
         <item>
            <title><![CDATA[Credit Card Payments]]></title>
            <link>http://credit.about.com/od/creditcardbasics/tp/Credit-Card-Payments.htm</link>
            <description><![CDATA[If you ever wonder the best way to pay off your credit cards, here are some tips to help you make those decisions each month.]]></description>
            <category>money</category>
         </item>
         
         <item>
            <title><![CDATA[Afford Charges]]></title>
            <link>http://credit.about.com/od/usingcreditcards/qt/affordtocharge.htm</link>
            <description><![CDATA[Thinking about making a credit card purchase?  Before you swipe your card, consider how much you can afford to charge.]]></description>
            <category>money</category>
         </item>
         
         <item>
            <title><![CDATA[Close Paid Card]]></title>
            <link>http://credit.about.com/od/usingcreditcards/qt/closepaidcard.htm</link>
            <description><![CDATA[Paying off a credit card is a great accomplishment, especially if you worked long and hard to do it. What now? Do you leave the card open or should you close it?]]></description>
            <category>money</category>
         </item>
         
         <item>
            <title><![CDATA[Minimum Only Payments]]></title>
            <link>http://credit.about.com/od/usingcreditcards/qt/minimumonly.htm</link>
            <description><![CDATA[If you only make the minimum payment on your credit card, it could take years to pay off the balance.  Not even that, you could end up spending hundreds, possibly even thousands, in interest by the time the balance is repaid.]]></description>
            <category>money</category>
         </item>
         
         <item>
            <title><![CDATA[Credit Beginnings]]></title>
            <link>http://credit.about.com/od/credit101/tp/beginner-credit-tips.htm</link>
            <description><![CDATA[Tips for first time credit card users]]></description>
            <category>money</category>
         </item>
         
         <item>
            <title><![CDATA[Dispute Process]]></title>
            <link>http://credit.about.com/od/creditreportscoring/a/postcrdispute.htm</link>
            <description><![CDATA[The Fair Credit Reporting Act (FCRA) gives consumers the right to dispute errors on their credit report. Once you submit your dispute the credit bureau has certain steps to follow.]]></description>
            <category>money</category>
         </item>
         
         <item>
            <title><![CDATA[Credit Card Process]]></title>
            <link>http://credit.about.com/od/creditcardbasics/a/paycreditcard.htm</link>
            <description><![CDATA[Get a better understanding of how the credit card billing process works from making purchases to making payments.]]></description>
            <category>money</category>
         </item>
         
         <item>
            <title><![CDATA[Opt-Out Interest Rate]]></title>
            <link>http://credit.about.com/od/usingcreditcards/qt/optoutinterest.htm</link>
            <description><![CDATA[The Truth in Lending Act requires credit cards, in most cases, to give you 15 days advance notice of any interest rate increase. When your interest rate increases, you&#146;re given an opt-out period during which you can reject the new, higher interest rate.]]></description>
            <category>money</category>
         </item>
         
         <item>
            <title><![CDATA[Hope for Homeowners]]></title>
            <link>http://credit.about.com/od/reducingdebt/a/recoveryact.htm</link>
            <description><![CDATA[The Hope for Homeowners Program will help homeowners save their home from foreclosure by allowing them to refinance their mortgages into more affordable, government insured mortgages.]]></description>
            <category>money</category>
         </item>
         
         <item>
            <title><![CDATA[Putting off Repair]]></title>
            <link>http://credit.about.com/od/creditrepair/tp/credit-repair-excuses.htm</link>
            <description><![CDATA[You know the effects of having bad credit, yet you still haven&amp;#8217;t started your credit repair.  Why?  Well, here are 15 reasons you&amp;#8217;ve been putting off credit repair.]]></description>
            <category>money</category>
         </item>
         
         <item>
            <title><![CDATA[Why Interest Rate Increase]]></title>
            <link>http://credit.about.com/od/usingcreditcards/a/whyrateincrease.htm</link>
            <description><![CDATA[Creditors have a slew of reasons for increasing your interest rate. You can usually call to find out why your rate got increased. Based on a 2008 survey by Consumer Action, your credit card might have been closed for one of these reasons (note that not all of the reasons are in your control).]]></description>
            <category>money</category>
         </item>
         
         <item>
            <title><![CDATA[Pay High Interest Rate First]]></title>
            <link>http://credit.about.com/od/reducingdebt/f/payhighinterest.htm</link>
            <description><![CDATA[When you're paying off your credit card debt, it's a good idea to pay high interest rate credit cards off first. That's because that high interest rate debt costs more.]]></description>
            <category>money</category>
         </item>
         
         <item>
            <title><![CDATA[Charge-Off]]></title>
            <link>http://credit.about.com/od/ac/g/chargeoff.htm</link>
            <description><![CDATA[debt that has been determined uncollectible by the original creditor, usually after the debtor has become seriously delinquent]]></description>
            <category>money</category>
         </item>
         
         <item>
            <title><![CDATA[Credit Repair Foreclosure]]></title>
            <link>http://credit.about.com/od/creditrepair/tp/credit-repair-foreclosure.htm</link>
            <description><![CDATA[A foreclosure will remain on your credit report for seven years. It will have the most significant impact on your credit in the first few years. There are things you can do to soften the blow of a foreclosure and even to rebuild your credit after a foreclosure.]]></description>
            <category>money</category>
         </item>
         
         <item>
            <title><![CDATA[Ohio SOL]]></title>
            <link>http://credit.about.com/od/statuteoflimitations/g/ohsol.htm</link>
            <description><![CDATA[The Ohio statute of limitations on debt limits the amount of time you can be sued for a debt.]]></description>
            <category>money</category>
         </item>
         
         <item>
            <title><![CDATA[Credit Card Types]]></title>
            <link>http://credit.about.com/od/creditcardbasics/tp/credit-card-types.htm</link>
            <description><![CDATA[Learn about the different types of credit cards to choose the right one for you.]]></description>
            <category>money</category>
         </item>
         
         <item>
            <title><![CDATA[Skipping Bill Payments]]></title>
            <link>http://credit.about.com/od/buildingcredit/qt/creditpayment.htm</link>
            <description><![CDATA[Under a tight budget, many people choose to skip their credit card payments over other monthly bills.  Is that such a good decision?]]></description>
            <category>money</category>
         </item>
         
         <item>
            <title><![CDATA[Read Credit Report]]></title>
            <link>http://credit.about.com/od/creditreportscoring/ss/creditreports_2.htm</link>
            <description><![CDATA[Credit reports aren't very easy to understand. In this article, you'll find a detailed description of the information contained in your credit report.]]></description>
            <category>money</category>
         </item>
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