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• Bankruptcy and Debt Consolidation Options
  With sweeping changes in credit law, consumers find themselves scrambling for solutions. Should I get credit counseling? Should I declare bankruptcy? Can I declare bankruptcy? Where do I start? These are pressing questions facing many people today. In this brief article I will outline some steps to consider when developing your debt consolidation plan.
• The Housing Bubble -- Avoid Foreclosure and Bankruptcy with Credit Repair
  The American people have been walking to the edge of an economic cliff for years now and the moment of truth has arrived. Investors and creative financing options are the two key components in creating what many economists consider to be the largest housing bubble in history. For those of you at risk in these uncertain times I have some suggestions that may make the difference between survival and financial ruin.
• Credit Protection - The Best Offense is a Good Defense
  Protecting your credit rating in today's day and age is a daunting task. Not only do you have to pay your bills on time but you must protect yourself from identity theft and fraud which is the number one crime in America. By understanding how credit works and how identity thieves strike you will be better prepared to protect one of your most valuable assets...your credit.
• Credit Repair Secret #3 - The Holiday's Are the Best Time to Dispute
  Christmas (yes I said the 'C' word -- Ho! Ho! Ho!) is just around the corner and consumer spending is once again at an all time high. For those of you that are struggling from the effects of bad credit the holiday season offers a small window of opportunity which, if acted upon, could open many possibilities for you in the New Year.
• Free Credit Reports May be Hazardous to Your Credit Score
  The Fair and Accurate Credit Transactions Act (FACTA) of 2003 made sweeping changes to the Fair Credit Reporting Act (FCRA). On the surface some of these changes seemed like a win for consumers. Take the ANNUAL FREE CREDIT REPORT clause for example. Wow! The Credit Bureaus are actually giving away free credit reports! What a deal! Big win for us consumers, right? Wrong.
• Identity Theft Epidemic - Is Your Bank Account Safe?
  Identity theft is the number one crime in America. Tens of thousands of people that have always paid their bills on time are waking up one day to discover their bank accounts drained, maxed out credit cards in their name and their credit ruined.