India, the country is known as one of the most developing countries in the world. And hearing and seeing this advance growth of this country, many America, and Europe nations also make investments in the Indian job industry, banks, BPO, IT and many other. After finishing your education it is not hard to find an ideal job in such a country. You must be well educated, career focused, excellent learning ability in your stream or even outside of your stream, after which to get job opportunities in India is fairly easy for you. Those periods are long gone, when an ideal job only recommended a job in a government community. But thing has totally changed a lot.

Overburdened with indebtedness, consumers who seek help from the new generation of credit counseling agencies are putting their trust in a largely unregulated industry rife with the potential for worsening, not improving, consumers’ indebtedness problems.

Too often, under-funded credit counseling agencies offer improper advice, deceptive practices, excessive fees and abuse of their non-profit status, according to “Credit Counseling In Crisis: The Impact on Consumers of Funding Cuts, Higher Fees and Aggressive New Market Entrants,” the first ever such study of credit counseling agencies. The report is the work of National Consumer Law Center (NCLC) and the Consumer Federation of America (CFA).

The study also says credit counseling agencies have cut back on a component of credit counseling that saves many home owners from bankruptcy — education — and that has led more consumers to drop out of counseling and declare bankruptcy.

First-time home buyers — and the Realtors who work with them — are getting an important new national credit-building resource: The first credit bureau focused solely on compiling credit histories using data that the three dominant national bureaus don’t track — rent, utilities, insurance and other monthly payments.

The new bureau, dubbed PRBC (PayRent, Build Credit), is headquartered in Annapolis, MD and run by a team of risk assessment professionals headed by CEO Michael Nathans. The bureau expects to compile “alternative” credit files on up to 10 million American tenants within the next 60 months.

PRBC is an effort to help low and moderate income, young, minority and immigrant consumers demonstrate creditworthiness, according to Nathans. All of these groups frequently have trouble qualifying for prime-rate mortgages and other credit because their national files tend to be “thin” — there’s not a lot of payment history data on them.