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	<title>Understanding and Improving Your Credit</title>
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	<link>http://www.newhorizon.org/credit-info</link>
	<description>Information to help you improve your credit</description>
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		<title>Don’t Ignore Your Credit Card Bills in 2012</title>
		<link>http://www.newhorizon.org/credit-info/dont-ignore-your-credit-card-bills-in-2012/</link>
		<comments>http://www.newhorizon.org/credit-info/dont-ignore-your-credit-card-bills-in-2012/#comments</comments>
		<pubDate>Thu, 26 Jan 2012 00:47:41 +0000</pubDate>
		<dc:creator>Melanie Mathis</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[credit cards]]></category>

		<guid isPermaLink="false">http://www.newhorizon.org/credit-info/?p=2868</guid>
		<description><![CDATA[The year 2012 may have just started but if you still have credit card balances incurred from last year, you should definitely take action to pay off these debts at the soonest time.  Don’t wait until the first quarter or for another six months to pass by before paying off your credit card debt. More [...]]]></description>
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		<title>Parents: Protect Your Child’s Identity</title>
		<link>http://www.newhorizon.org/credit-info/parents-protect-your-childs-identity/</link>
		<comments>http://www.newhorizon.org/credit-info/parents-protect-your-childs-identity/#comments</comments>
		<pubDate>Tue, 24 Jan 2012 13:22:19 +0000</pubDate>
		<dc:creator>Melanie Mathis</dc:creator>
				<category><![CDATA[Identity Theft  Prevention]]></category>

		<guid isPermaLink="false">http://www.newhorizon.org/credit-info/?p=2863</guid>
		<description><![CDATA[Many consumers are warned against the threat of identity theft and are advised to take all the necessary precautions to protect their personal information.  But did you know that adults are not the only people are at risk?  Yes, even children are threatened by the crime of ID theft. In fact, according to Experian, a [...]]]></description>
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		<title>Beware of the New Credit Identity Tactic</title>
		<link>http://www.newhorizon.org/credit-info/beware-of-the-new-credit-identity-tactic/</link>
		<comments>http://www.newhorizon.org/credit-info/beware-of-the-new-credit-identity-tactic/#comments</comments>
		<pubDate>Thu, 19 Jan 2012 08:07:12 +0000</pubDate>
		<dc:creator>Melanie Mathis</dc:creator>
				<category><![CDATA[Identity Theft  Prevention]]></category>

		<guid isPermaLink="false">http://www.newhorizon.org/credit-info/?p=2859</guid>
		<description><![CDATA[Identity thieves devise many different ways to steal personal information and may use these information for committing various acts of crime.  For instance, some scammers today victimize people by offering instant debt relief or quick solution for people with bad credit. You might come across debt relief agencies or credit counseling agencies that make unbelievable [...]]]></description>
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		<title>Get Your Free Credit Report in 2012</title>
		<link>http://www.newhorizon.org/credit-info/get-your-free-credit-report-in-2012/</link>
		<comments>http://www.newhorizon.org/credit-info/get-your-free-credit-report-in-2012/#comments</comments>
		<pubDate>Tue, 17 Jan 2012 03:54:29 +0000</pubDate>
		<dc:creator>Melanie Mathis</dc:creator>
				<category><![CDATA[1]]></category>
		<category><![CDATA[Credit Report]]></category>

		<guid isPermaLink="false">http://www.newhorizon.org/credit-info/?p=2855</guid>
		<description><![CDATA[Everyone is entitled to receive one free credit report  from each of the three major credit bureaus (Experian, Equifax, TransUnion) annually. This is according to the Fair Credit Reporting Act (FCRA), a provision by the federal government to give consumers the opportunity to check their personal credit for free. At the start of 2012, it’s [...]]]></description>
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		<title>How to Protect Your Child from ID Theft at School</title>
		<link>http://www.newhorizon.org/credit-info/how-to-protect-your-child-from-id-theft-at-school/</link>
		<comments>http://www.newhorizon.org/credit-info/how-to-protect-your-child-from-id-theft-at-school/#comments</comments>
		<pubDate>Fri, 13 Jan 2012 01:34:42 +0000</pubDate>
		<dc:creator>Melanie Mathis</dc:creator>
				<category><![CDATA[Identity Theft  Prevention]]></category>

		<guid isPermaLink="false">http://www.newhorizon.org/credit-info/?p=2851</guid>
		<description><![CDATA[Parents often need to register a Social Security number for their child and provide this information when applying for benefits, tax deduction, medical coverage or other government services for their child.  However, parents should also be alerted about the fact that an increasing number of identity theft cases involve children’s SSNs. Apparently, id thieves prefer [...]]]></description>
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		<title>10 Financial Resolutions for 2012</title>
		<link>http://www.newhorizon.org/credit-info/10-financial-resolutions-for-2012/</link>
		<comments>http://www.newhorizon.org/credit-info/10-financial-resolutions-for-2012/#comments</comments>
		<pubDate>Wed, 11 Jan 2012 00:45:42 +0000</pubDate>
		<dc:creator>Melanie Mathis</dc:creator>
				<category><![CDATA[Financial Struggles]]></category>
		<category><![CDATA[How To Make A Budget You Can Live With]]></category>

		<guid isPermaLink="false">http://www.newhorizon.org/credit-info/?p=2848</guid>
		<description><![CDATA[Have you made financial resolutions for 2012?  If you’re still thinking about specific resolutions to add to your list, you may consider the following suggestions: Monitor your credit report.  When was the last time you’ve seen your personal credit report?  How many times did you check your personal credit report last year?  If you don’t [...]]]></description>
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		<title>Be Financially Healthy in 2012</title>
		<link>http://www.newhorizon.org/credit-info/be-financially-healthy-in-2012/</link>
		<comments>http://www.newhorizon.org/credit-info/be-financially-healthy-in-2012/#comments</comments>
		<pubDate>Mon, 26 Dec 2011 03:17:23 +0000</pubDate>
		<dc:creator>Melanie Mathis</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[How To Make A Budget You Can Live With]]></category>

		<guid isPermaLink="false">http://www.newhorizon.org/credit-info/?p=2846</guid>
		<description><![CDATA[2012 is finally here and if you’re someone who aims to improve your personal finances, then there’s no need for delays.  It’s time for you to take action.  In this article, we presented practical tips to help you achieve your financial goals next year. 1. Create your personal financial plan for the year.  Creating a [...]]]></description>
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