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        <title>Financial Help  with credit counseling,Low Interest Rate Credit Card,and Credit Card Apply</title>
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        <title>Credit Counseling:  Is it Really Necessary?</title>
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        <description>Not everyone has a positive experience with credit counseling.  Potential creditors often frown upon consumers who are going through credit counseling, denying them credit or sticking them with elevated interest rates on new lines of credit.</description>
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