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	<title>Becoming Debt Free &#187; Credit Reports</title>
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	<description>Getting Out From Under Credit Card Debt</description>
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		<title>What Do Credit Reports Mean To You?</title>
		<link>http://www.debtopedia.com/debtfree/credit-reports/what-do-credit-reports-mean-to-you.php</link>
		<comments>http://www.debtopedia.com/debtfree/credit-reports/what-do-credit-reports-mean-to-you.php#comments</comments>
		<pubDate>Thu, 02 Oct 2008 18:18:57 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit Reports]]></category>
		<category><![CDATA[credit rating]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[credit reporting agencies]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[fico score]]></category>

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		<description><![CDATA[Some people find themselves with a messy financial situation and therefore credit reports are not a pleasant topic.  However, credit reports provide you with the facts.  And even if the information is undesirable it can be like a helpful guide on your road to financial recovery.  Being well informed is important and [...]]]></description>
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		<title>Simple Tips For Repairing Bad Credit</title>
		<link>http://www.debtopedia.com/debtfree/credit-reports/simple-tips-for-repairing-bad-credit.php</link>
		<comments>http://www.debtopedia.com/debtfree/credit-reports/simple-tips-for-repairing-bad-credit.php#comments</comments>
		<pubDate>Sat, 05 Jul 2008 16:13:14 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit Reports]]></category>

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		<description><![CDATA[Having poor credit can certainly impede you the next time you want to purchase something that you have set your heart upon, though lack of proper credit standing will mean having to forego such things in life. Yes, bad credit can not only mean that you dont get what you want, but you may even [...]]]></description>
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		<title>What Does Your Debt Ratio Mean?</title>
		<link>http://www.debtopedia.com/debtfree/credit-reports/what-does-your-debt-ratio-mean.php</link>
		<comments>http://www.debtopedia.com/debtfree/credit-reports/what-does-your-debt-ratio-mean.php#comments</comments>
		<pubDate>Wed, 19 Mar 2008 04:40:10 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit Reports]]></category>

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		<description><![CDATA[One of the most important factors in determining whether or not a consumer qualifies for a particular loan is the individual&#8217;s debt ratio. The debt ratio is essentially a way to determine how much of an individual&#8217;s monthly income is spoken for every month in the form of payments that are due. A debt ratio [...]]]></description>
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		<title>Credit Scores Getting More &amp; More Important</title>
		<link>http://www.debtopedia.com/debtfree/credit-reports/credit-scores-getting-more-more-important-credit-scores-getting-ever-more-important-credit-scores-getting-ever-more-important-credit-scores-getting-ever-more-important.php</link>
		<comments>http://www.debtopedia.com/debtfree/credit-reports/credit-scores-getting-more-more-important-credit-scores-getting-ever-more-important-credit-scores-getting-ever-more-important-credit-scores-getting-ever-more-important.php#comments</comments>
		<pubDate>Thu, 06 Mar 2008 19:30:17 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit Reports]]></category>

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		<description><![CDATA[US News &#038; World Report is reporting that Americans are all the more ignorant of their credit scores, putting their financial future in danger just because they can&#8217;t be bothered to take the time. When&#8217;s the last time you got your credit score or looked at your own credit report or both? A year? Two? [...]]]></description>
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		<title>How&#8217;s Your Credit Score?</title>
		<link>http://www.debtopedia.com/debtfree/credit-reports/hows-your-credit-score.php</link>
		<comments>http://www.debtopedia.com/debtfree/credit-reports/hows-your-credit-score.php#comments</comments>
		<pubDate>Mon, 07 Jan 2008 18:32:22 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit Reports]]></category>

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		<description><![CDATA[Do you know how your credit score is doing?
Most people have never actually checked their credit score themselves. They either go along with some vague idea of how good or bad their credit is, or they only know that they&#8217;re either accepted or declined when applying for any kind of credit.
Part of a good debt [...]]]></description>
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		<title>New Credit Scoring Formula Will Make Things Stickier</title>
		<link>http://www.debtopedia.com/debtfree/credit-reports/new-credit-scoring-formula-will-make-things-stickier.php</link>
		<comments>http://www.debtopedia.com/debtfree/credit-reports/new-credit-scoring-formula-will-make-things-stickier.php#comments</comments>
		<pubDate>Tue, 07 Aug 2007 21:37:48 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit Reports]]></category>

		<guid isPermaLink="false">http://www.debtopedia.com/debtfree/credit-reports/new-credit-scoring-formula-will-make-things-stickier.php</guid>
		<description><![CDATA[Say goodbye to piggybacking credit histories. Fair Isaac, the developer of the FICO score, has announced plans to implement a new scoring algorithm that will no longer take into account the practice known as piggybacking. This is when someone with people with great credit histories &#34;rent&#34; their credit history to others who need some seasoned [...]]]></description>
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		<title>Identity Theft and Your Credit Score</title>
		<link>http://www.debtopedia.com/debtfree/credit-reports/identity-theft-and-your-credit-score.php</link>
		<comments>http://www.debtopedia.com/debtfree/credit-reports/identity-theft-and-your-credit-score.php#comments</comments>
		<pubDate>Fri, 03 Aug 2007 17:08:01 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit Reports]]></category>
		<category><![CDATA[Identity Theft]]></category>

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		<description><![CDATA[[widget:ad_unit-1221255277]You&#8217;ve heard some of the horror stories.&#160; Maybe actually heeded the warnings and put some more safeguards into place. God forbid you&#8217;ve been a victim, but identity theft plagues more than 10 million people suffering more than $5 billion dollars of loss. And it&#8217;s not just the monetary loss. There&#8217;s the countless hours of reinstating, [...]]]></description>
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		<title>How to Correct Errors On Your Credit Score</title>
		<link>http://www.debtopedia.com/debtfree/credit-reports/how-to-correct-errors-on-your-credit-score.php</link>
		<comments>http://www.debtopedia.com/debtfree/credit-reports/how-to-correct-errors-on-your-credit-score.php#comments</comments>
		<pubDate>Sat, 28 Jul 2007 02:40:20 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit Reports]]></category>

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		<description><![CDATA[[widget:ad_unit-1221255277]You&#8217;ve just ordered a copy of your credit report and are scanning it when you discover numerous entries you thought were dead and gone. Accounts that were closed, payments marked as late that were actually not, even amounts of credit outstanding that are wrong. Unfortunately, according to a 2004 study, up to 25% of credit [...]]]></description>
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		<title>Your Rights Regarding Your Credit Scores</title>
		<link>http://www.debtopedia.com/debtfree/credit-reports/your-rights-regarding-your-credit-scores.php</link>
		<comments>http://www.debtopedia.com/debtfree/credit-reports/your-rights-regarding-your-credit-scores.php#comments</comments>
		<pubDate>Wed, 25 Jul 2007 17:56:38 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit Reports]]></category>

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		<description><![CDATA[[widget:ad_unit-1221255277]Your credit files contain much sensitive information about your financial life, and of course all of us want to keep that as private as possible, and to prevent things like identity theft, asset loss and many other maladies that seem to pop up every day. One of the best ways to protect the information in [...]]]></description>
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		<title>Calculate Your FICO Score</title>
		<link>http://www.debtopedia.com/debtfree/credit-reports/calculate-your-fico-score.php</link>
		<comments>http://www.debtopedia.com/debtfree/credit-reports/calculate-your-fico-score.php#comments</comments>
		<pubDate>Fri, 20 Apr 2007 04:22:12 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit Reports]]></category>

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		<description><![CDATA[[widget:ad_unit-1221255277]Are you wondering what your FICO score is but don&#8217;t really want to pay one of the credit check services to find out? If so, check out the FICO Score Estimator from myFICO. It won&#8217;t give you an exact number, but you&#8217;ll get a pretty accurate range where your score would fall.
You can try it [...]]]></description>
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