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	<description>Debt Consolidation &#124; Blacklisted Tips</description>
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		<title>How To Rise Above Bad Debt</title>
		<link>http://www.debtrepair.co.za/how-to-rise-above-bad-debt/</link>
		<comments>http://www.debtrepair.co.za/how-to-rise-above-bad-debt/#comments</comments>
		<pubDate>Fri, 18 May 2012 09:11:15 +0000</pubDate>
		<dc:creator>Gino S</dc:creator>
				<category><![CDATA[Debt Counselling]]></category>

		<guid isPermaLink="false">http://www.debtrepair.co.za/?p=511</guid>
		<description><![CDATA[The offices of the Credit Ombudsman helps to resolve as much as 414 debt counselling cases a year currently. And the majority of these problems are caused by the debt counsellors themselves. Some of the major problems caused when debt counsellors simply close their offices without notify their clients, or when the counsellor has failed [...]]]></description>
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		<title>Big Banks Have Agreed To Cut Rates For Indebted Clients</title>
		<link>http://www.debtrepair.co.za/big-banks-have-agreed-to-cut-rates-for-indebted-clients/</link>
		<comments>http://www.debtrepair.co.za/big-banks-have-agreed-to-cut-rates-for-indebted-clients/#comments</comments>
		<pubDate>Mon, 14 May 2012 10:04:51 +0000</pubDate>
		<dc:creator>Gino S</dc:creator>
				<category><![CDATA[Debt Counselling]]></category>

		<guid isPermaLink="false">http://www.debtrepair.co.za/?p=504</guid>
		<description><![CDATA[South Africa’s biggest lenders have agreed on another trial programme that is specifically forced on assisting highly indebted clients to better manage and repay their outstanding loan amounts. This is not the first initiative by the big bank to assist clients you have poor credit. Previously, Standard Bank Home Loans ran a trail that would [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>How To Buy A House Without The Bank &#8211; Seller Financed Deals</title>
		<link>http://www.debtrepair.co.za/how-to-buy-a-house-without-the-bank-seller-financed-deals/</link>
		<comments>http://www.debtrepair.co.za/how-to-buy-a-house-without-the-bank-seller-financed-deals/#comments</comments>
		<pubDate>Wed, 25 Apr 2012 13:24:29 +0000</pubDate>
		<dc:creator>Gino S</dc:creator>
				<category><![CDATA[Home Ownership]]></category>

		<guid isPermaLink="false">http://www.debtrepair.co.za/?p=499</guid>
		<description><![CDATA[Buy A House Without Using The Bank Recent figures show that only about 50% of credit active South Africans are in a good standing with their credit profiles. This means that homeownership is out of reach for millions of South Africans, because these clients are not able to secure a home loan to buy a [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>How To Buy A House Even If You&#8217;re ITC</title>
		<link>http://www.debtrepair.co.za/how-to-buy-a-house-even-if-youre-itc/</link>
		<comments>http://www.debtrepair.co.za/how-to-buy-a-house-even-if-youre-itc/#comments</comments>
		<pubDate>Wed, 18 Apr 2012 12:19:33 +0000</pubDate>
		<dc:creator>Gino S</dc:creator>
				<category><![CDATA[Home Ownership]]></category>
		<category><![CDATA[Blacklisted]]></category>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[ITC]]></category>

		<guid isPermaLink="false">http://www.debtrepair.co.za/?p=485</guid>
		<description><![CDATA[Have you tried to apply for a home loan through the local banks? Have those banks declined your home loan application because you are blacklisted or because you have bad credit, due to a listing on your ITC credit record? There is increasing demand from South Africans looking to secure home loans for blacklisted people, [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Most Debt Counselling Clients Earn Between R5k and R20k</title>
		<link>http://www.debtrepair.co.za/most-debt-counselling-clients-earn-between-r5k-and-r20k/</link>
		<comments>http://www.debtrepair.co.za/most-debt-counselling-clients-earn-between-r5k-and-r20k/#comments</comments>
		<pubDate>Mon, 16 Apr 2012 07:01:06 +0000</pubDate>
		<dc:creator>Gerald S</dc:creator>
				<category><![CDATA[Debt Counselling]]></category>
		<category><![CDATA[DCASA]]></category>
		<category><![CDATA[Debt Counselling Association Of SA]]></category>
		<category><![CDATA[NCR]]></category>
		<category><![CDATA[Paul Slot]]></category>

		<guid isPermaLink="false">http://www.debtrepair.co.za/?p=476</guid>
		<description><![CDATA[Middle income earners make up the majority of all clients currently applying for debt counselling. According to Paul Slot, president of the Debt Counselling Association Of SA (DCASA), consumers earning between R5 000 and R20 000 per month make up 74% of all clients who have applied for Debt review. Slot believes the number of [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Debt Counselling &#8211; What Are The Costs</title>
		<link>http://www.debtrepair.co.za/debt-counselling-what-are-the-costs/</link>
		<comments>http://www.debtrepair.co.za/debt-counselling-what-are-the-costs/#comments</comments>
		<pubDate>Tue, 10 Apr 2012 12:45:02 +0000</pubDate>
		<dc:creator>Gerald S</dc:creator>
				<category><![CDATA[Debt Counselling]]></category>
		<category><![CDATA[National Credit Act]]></category>
		<category><![CDATA[Payment Distribution Agency]]></category>

		<guid isPermaLink="false">http://www.debtrepair.co.za/?p=469</guid>
		<description><![CDATA[The debt counselling process has helped many thousands of South Africans to avoid some very bad financial situations and the process has even helped many to avoid having their houses repossessed by the bank. But, as with most things, there is a cost to going through with the Debt Counselling process and you will need [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Bond Finance For Blacklisted People</title>
		<link>http://www.debtrepair.co.za/bond-finance-for-blacklisted-people/</link>
		<comments>http://www.debtrepair.co.za/bond-finance-for-blacklisted-people/#comments</comments>
		<pubDate>Tue, 20 Mar 2012 04:29:31 +0000</pubDate>
		<dc:creator>Gerald S</dc:creator>
				<category><![CDATA[Home Ownership]]></category>
		<category><![CDATA[Blacklisted]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[ITC]]></category>
		<category><![CDATA[Rent To Own]]></category>

		<guid isPermaLink="false">http://www.debtrepair.co.za/?p=347</guid>
		<description><![CDATA[Securing bond finance for blacklisted people can prove to be very challenging. The truth is that most banks are not keen on lending to clients with bad credit records. And, the ones that are willing for offer blacklisted loans are usually going to charge higher interest rates than an average home loan. What are you [...]]]></description>
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		<slash:comments>5</slash:comments>
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		<title>Avoid Property Repossession With Sell To Rent Back Agreements</title>
		<link>http://www.debtrepair.co.za/avoid-property-repossession-with-sell-to-rent-back-agreements/</link>
		<comments>http://www.debtrepair.co.za/avoid-property-repossession-with-sell-to-rent-back-agreements/#comments</comments>
		<pubDate>Mon, 19 Mar 2012 13:37:54 +0000</pubDate>
		<dc:creator>Gerald S</dc:creator>
				<category><![CDATA[Home Ownership]]></category>
		<category><![CDATA[Property]]></category>
		<category><![CDATA[Repossession]]></category>
		<category><![CDATA[Sell To Rent Back]]></category>

		<guid isPermaLink="false">http://www.debtrepair.co.za/?p=335</guid>
		<description><![CDATA[If done correctly Sell To Rent Back Agreements could one of the best solutions to help you avoid home repossession. The credit crunch and economic recession caused the number of bank repossessions to suddenly spike. Homeowners found themselves over indebted or jobless and were unable to repay their loans. As a result a number of [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Using Personal Loans For A Deposit On A House Purchase</title>
		<link>http://www.debtrepair.co.za/using-personal-loans-for-a-deposit-on-a-house-purchase/</link>
		<comments>http://www.debtrepair.co.za/using-personal-loans-for-a-deposit-on-a-house-purchase/#comments</comments>
		<pubDate>Fri, 09 Mar 2012 10:15:13 +0000</pubDate>
		<dc:creator>Gerald S</dc:creator>
				<category><![CDATA[Home Ownership]]></category>
		<category><![CDATA[Personal Loans]]></category>
		<category><![CDATA[Home Loans]]></category>
		<category><![CDATA[Property]]></category>
		<category><![CDATA[Rent To Own]]></category>

		<guid isPermaLink="false">http://www.debtrepair.co.za/?p=299</guid>
		<description><![CDATA[Although more full 100% bonds are being granted by the banks, most home loan applicants are still required to come up with at least a 5% to 10% deposit on any house purchase. A 10% home loan deposit on an average property in South Africa is going to amount to between R60 000 and R80 [...]]]></description>
		<wfw:commentRss>http://www.debtrepair.co.za/using-personal-loans-for-a-deposit-on-a-house-purchase/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>3 Solid Steps To Improving Your Credit Profile</title>
		<link>http://www.debtrepair.co.za/3-solid-steps-to-improving-your-credit-profile/</link>
		<comments>http://www.debtrepair.co.za/3-solid-steps-to-improving-your-credit-profile/#comments</comments>
		<pubDate>Thu, 08 Mar 2012 14:26:05 +0000</pubDate>
		<dc:creator>Gerald S</dc:creator>
				<category><![CDATA[My Credit Status]]></category>
		<category><![CDATA[Credit Bureau]]></category>
		<category><![CDATA[Experian]]></category>
		<category><![CDATA[ITC]]></category>

		<guid isPermaLink="false">http://www.debtrepair.co.za/?p=290</guid>
		<description><![CDATA[Having a healthy and clear credit record will greatly help you when you&#8217;re trying to apply for a home loan or other finance. Although it is not impossible to secure a homeloan if you are blacklisted, there are many penalties you can avoid and benefits you will enjoy by taking these 3 solid steps to [...]]]></description>
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		<slash:comments>0</slash:comments>
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