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Credit Counseling News  Consumers for Responsible Credit Solutions Warns: NFCC         Accreditation or a CCCS Title No Guarantee of a Good Credit Counseling Agency  Daring Strategies Help Consumers Battle Debt  Americans Hit Record Debt Numbers and Survey Shows That We Are Miserable Living on Credit  Credit Counseling Trade Group Provides Research to U.S. Senate for Investigation of Industry  Generous Taxpayers Overestimate Tax Withholdings; CCCS Offers Ideas on Making the Most of Your Tax Refund  CreditXpert Inc. Introduces a New Way for Lenders to Close More Loans by Helping Applicants Raise Credit Scores to Desired Levels and Qualify for Better Offers  Consumers for Responsible Credit Solutions Calls 41 Percent Interest Rate Visa Credit Card 'Abusive'  Getting Out of Debt: Who Should You Trust?  Senate panel probing credit counseling industry

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