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	<title>Credit Material &#187; credit score</title>
	<atom:link href="http://www.creditmaterial.com/category/credit-score/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.creditmaterial.com</link>
	<description>Credit Card Applications, Payday Loans, Home Refinance, Money Market Blog</description>
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			<item>
		<title>How To Rebuild Credit</title>
		<link>http://www.creditmaterial.com/2009/09/how-to-rebuild-credit/</link>
		<comments>http://www.creditmaterial.com/2009/09/how-to-rebuild-credit/#comments</comments>
		<pubDate>Mon, 07 Sep 2009 09:14:00 +0000</pubDate>
		<dc:creator>noor</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Loans]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[account]]></category>
		<category><![CDATA[application]]></category>
		<category><![CDATA[auto loan]]></category>
		<category><![CDATA[balane]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[charge-off]]></category>
		<category><![CDATA[Collateral]]></category>
		<category><![CDATA[collection]]></category>
		<category><![CDATA[credit history]]></category>
		<category><![CDATA[credit percentage]]></category>
		<category><![CDATA[credit profile]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[derogatory accounts]]></category>
		<category><![CDATA[error]]></category>
		<category><![CDATA[high credit]]></category>
		<category><![CDATA[judgement]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[negetive items]]></category>
		<category><![CDATA[pay off]]></category>
		<category><![CDATA[rebuild]]></category>
		<category><![CDATA[secured credit card]]></category>
		<category><![CDATA[Tax liens]]></category>

		<guid isPermaLink="false">http://www.fairloanrate.com/2009/09/07/how-to-rebuild-credit/</guid>
		<description><![CDATA[A credit profile, along with a credit score determines your eligibility for a loan. And in order to qualify for all types of loans, you need to build a good profile. You may have considered consulting a professional if your credit profile is quite low, but before putting in more money, fix your basics.]]></description>
		<wfw:commentRss>http://www.creditmaterial.com/2009/09/how-to-rebuild-credit/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How To Raise Your Credit Score</title>
		<link>http://www.creditmaterial.com/2009/09/how-to-raise-your-credit-score/</link>
		<comments>http://www.creditmaterial.com/2009/09/how-to-raise-your-credit-score/#comments</comments>
		<pubDate>Sun, 06 Sep 2009 06:10:00 +0000</pubDate>
		<dc:creator>noor</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Tips & Advice]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[auto loan]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[Bills]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit depth]]></category>
		<category><![CDATA[credit history]]></category>
		<category><![CDATA[credit limit]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[creditor]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[high credit score]]></category>
		<category><![CDATA[late payment]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[low interest rate]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[pay]]></category>
		<category><![CDATA[purchase]]></category>

		<guid isPermaLink="false">http://www.fairloanrate.com/2009/09/06/how-to-raise-your-credit-score/</guid>
		<description><![CDATA[A credit score, together with credit history, determines whether you are eligible for a loan or not. If you successfully maintain a high credit score, you’ll be allowed to have the best credit cards, the lowest interest rates, and you won’t face any difficulty while finding financing for large purchases such as auto loans or home mortgages.]]></description>
		<wfw:commentRss>http://www.creditmaterial.com/2009/09/how-to-raise-your-credit-score/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How To Cancel A Credit Card</title>
		<link>http://www.creditmaterial.com/2009/09/how-to-cancel-a-credit-card/</link>
		<comments>http://www.creditmaterial.com/2009/09/how-to-cancel-a-credit-card/#comments</comments>
		<pubDate>Sat, 05 Sep 2009 10:17:00 +0000</pubDate>
		<dc:creator>noor</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Tips & Advice]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[account]]></category>
		<category><![CDATA[APR]]></category>
		<category><![CDATA[Canceling your credit card]]></category>
		<category><![CDATA[charges]]></category>
		<category><![CDATA[closure]]></category>
		<category><![CDATA[confirmation number]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit depth]]></category>
		<category><![CDATA[credit profile]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[customer service representative]]></category>
		<category><![CDATA[cut]]></category>
		<category><![CDATA[drop]]></category>
		<category><![CDATA[fee]]></category>
		<category><![CDATA[habit]]></category>
		<category><![CDATA[history]]></category>
		<category><![CDATA[identity theft]]></category>
		<category><![CDATA[outstanding balance]]></category>
		<category><![CDATA[penalty]]></category>
		<category><![CDATA[representative]]></category>
		<category><![CDATA[spending]]></category>

		<guid isPermaLink="false">http://www.fairloanrate.com/2009/09/05/how-to-cancel-a-credit-card/</guid>
		<description><![CDATA[If you are not using your credit card any more, you may want to get rid of it. Or maybe you’ve got spending habits that are out of control and you just want to pay off the credit card and close the account. You have already cut up the card, might as well close the account too, right?]]></description>
		<wfw:commentRss>http://www.creditmaterial.com/2009/09/how-to-cancel-a-credit-card/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How To Build Credit History</title>
		<link>http://www.creditmaterial.com/2009/09/how-to-build-credit-history/</link>
		<comments>http://www.creditmaterial.com/2009/09/how-to-build-credit-history/#comments</comments>
		<pubDate>Fri, 04 Sep 2009 07:17:00 +0000</pubDate>
		<dc:creator>noor</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Tips & Advice]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[auto leases]]></category>
		<category><![CDATA[bad mark]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[checking account]]></category>
		<category><![CDATA[credit bureau]]></category>
		<category><![CDATA[credit history]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[creditor]]></category>
		<category><![CDATA[future]]></category>
		<category><![CDATA[gas card]]></category>
		<category><![CDATA[lender]]></category>
		<category><![CDATA[long]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[savings account]]></category>
		<category><![CDATA[store credit card]]></category>
		<category><![CDATA[Student Loans]]></category>

		<guid isPermaLink="false">http://www.fairloanrate.com/2009/09/04/how-to-build-credit-history/</guid>
		<description><![CDATA[One of the most important factors that affect your credit score is your credit history. It may take you many years to establish a credit history and although both of them overlap, without a credit history, a credit score means very little.]]></description>
		<wfw:commentRss>http://www.creditmaterial.com/2009/09/how-to-build-credit-history/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How To Add Items To Your Credit Report</title>
		<link>http://www.creditmaterial.com/2009/09/how-to-add-items-to-your-credit-report/</link>
		<comments>http://www.creditmaterial.com/2009/09/how-to-add-items-to-your-credit-report/#comments</comments>
		<pubDate>Thu, 03 Sep 2009 12:03:00 +0000</pubDate>
		<dc:creator>noor</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Tips & Advice]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[and credit unions]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[boost]]></category>
		<category><![CDATA[borrower]]></category>
		<category><![CDATA[charge]]></category>
		<category><![CDATA[credit accounts]]></category>
		<category><![CDATA[credit bureaus]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit history]]></category>
		<category><![CDATA[credit issuer]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[creditor]]></category>
		<category><![CDATA[department stores cards]]></category>
		<category><![CDATA[fee]]></category>
		<category><![CDATA[gas cards]]></category>
		<category><![CDATA[missing accounts]]></category>
		<category><![CDATA[payment]]></category>
		<category><![CDATA[report]]></category>

		<guid isPermaLink="false">http://www.fairloanrate.com/2009/09/03/how-to-add-items-to-your-credit-report/</guid>
		<description><![CDATA[The first credit account is very hard to get as there is no credit history present for the potential creditor to analyze, in order to determine whether you’ll be a good borrower or not. The easiest way to start your credit history is through a check card/credit card with your primary banking institution.]]></description>
		<wfw:commentRss>http://www.creditmaterial.com/2009/09/how-to-add-items-to-your-credit-report/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How Long Do Negative Items Remain on a Credit Report?</title>
		<link>http://www.creditmaterial.com/2009/09/how-long-do-negative-items-remain-on-a-credit-report/</link>
		<comments>http://www.creditmaterial.com/2009/09/how-long-do-negative-items-remain-on-a-credit-report/#comments</comments>
		<pubDate>Wed, 02 Sep 2009 13:50:00 +0000</pubDate>
		<dc:creator>noor</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Tips & Advice]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[charge-off]]></category>
		<category><![CDATA[collection account]]></category>
		<category><![CDATA[collection agencies]]></category>
		<category><![CDATA[credit bureaus]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit inquiry]]></category>
		<category><![CDATA[credit records]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[Employment]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[housing history]]></category>
		<category><![CDATA[information]]></category>
		<category><![CDATA[installment accounts]]></category>
		<category><![CDATA[judgement]]></category>
		<category><![CDATA[lawsuit]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[negetive]]></category>
		<category><![CDATA[paid]]></category>
		<category><![CDATA[Tax liens]]></category>

		<guid isPermaLink="false">http://www.fairloanrate.com/2009/09/02/how-long-do-negative-items-remain-on-a-credit-report/</guid>
		<description><![CDATA[A credit report contains all the information related to your financial dealings, including information regarding employment and housing history, to credit card and mortgage account activity. Unluckily, it also contains negative information such as collection accounts, charge-offs, bankruptcies, judgments, and tax liens.]]></description>
		<wfw:commentRss>http://www.creditmaterial.com/2009/09/how-long-do-negative-items-remain-on-a-credit-report/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Free Credit Report</title>
		<link>http://www.creditmaterial.com/2009/09/free-credit-report-2/</link>
		<comments>http://www.creditmaterial.com/2009/09/free-credit-report-2/#comments</comments>
		<pubDate>Tue, 01 Sep 2009 09:52:00 +0000</pubDate>
		<dc:creator>noor</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Tips & Advice]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[collections]]></category>
		<category><![CDATA[consumers]]></category>
		<category><![CDATA[credit bureaus]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[credit reporting program]]></category>
		<category><![CDATA[credit reporting service]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[creditors]]></category>
		<category><![CDATA[experian]]></category>
		<category><![CDATA[federally backed]]></category>
		<category><![CDATA[free]]></category>
		<category><![CDATA[Free Credit Report]]></category>
		<category><![CDATA[free credit report agenciesEquifax]]></category>
		<category><![CDATA[lates]]></category>
		<category><![CDATA[legitimate]]></category>
		<category><![CDATA[Median Score]]></category>
		<category><![CDATA[money-back guarantee]]></category>
		<category><![CDATA[paid credit report services]]></category>
		<category><![CDATA[transunion]]></category>
		<category><![CDATA[website]]></category>

		<guid isPermaLink="false">http://www.fairloanrate.com/2009/09/01/free-credit-report-2/</guid>
		<description><![CDATA[Although you may have seen the phrase “free credit report” many times on websites, but is it really free? Well, the answer is yes, and no.]]></description>
		<wfw:commentRss>http://www.creditmaterial.com/2009/09/free-credit-report-2/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Credit Score Range</title>
		<link>http://www.creditmaterial.com/2009/08/credit-score-range/</link>
		<comments>http://www.creditmaterial.com/2009/08/credit-score-range/#comments</comments>
		<pubDate>Wed, 26 Aug 2009 18:55:53 +0000</pubDate>
		<dc:creator>noor</dc:creator>
				<category><![CDATA[Banks]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[Loans]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[500-579 Credit Score]]></category>
		<category><![CDATA[580-619 Credit Score]]></category>
		<category><![CDATA[620-679 Credit Score]]></category>
		<category><![CDATA[680-719 Credit Score]]></category>
		<category><![CDATA[720-799 Credit Score]]></category>
		<category><![CDATA[800-850Credit Score]]></category>
		<category><![CDATA[Below 500 Credit Score]]></category>
		<category><![CDATA[credit profile]]></category>
		<category><![CDATA[Free Credit Report]]></category>
		<category><![CDATA[history]]></category>
		<category><![CDATA[lenders]]></category>
		<category><![CDATA[lowest interest rates]]></category>
		<category><![CDATA[range]]></category>
		<category><![CDATA[scoring model]]></category>

		<guid isPermaLink="false">http://www.fairloanrate.com/2009/08/26/credit-score-range/</guid>
		<description><![CDATA[Just like all other scoring models, credit scores have a range. Although no one seems to know exactly what the range is, it’s roughly somewhere between 300 to 850. Some say that the credit scores go up to 900.]]></description>
		<wfw:commentRss>http://www.creditmaterial.com/2009/08/credit-score-range/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Credit Reporting Agencies</title>
		<link>http://www.creditmaterial.com/2009/08/credit-reporting-agencies-2/</link>
		<comments>http://www.creditmaterial.com/2009/08/credit-reporting-agencies-2/#comments</comments>
		<pubDate>Tue, 25 Aug 2009 14:23:00 +0000</pubDate>
		<dc:creator>noor</dc:creator>
				<category><![CDATA[Banks]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[Tips & Advice]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[credit bureau]]></category>
		<category><![CDATA[credit profile]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[Credit Report Charges]]></category>
		<category><![CDATA[credit reporting agencies]]></category>
		<category><![CDATA[creditor]]></category>
		<category><![CDATA[customer]]></category>
		<category><![CDATA[discrepancies]]></category>
		<category><![CDATA[equifax]]></category>
		<category><![CDATA[experian]]></category>
		<category><![CDATA[fee]]></category>
		<category><![CDATA[Free Credit Report]]></category>
		<category><![CDATA[late]]></category>
		<category><![CDATA[lenders]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[Median Score]]></category>
		<category><![CDATA[monitoring services]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[report]]></category>
		<category><![CDATA[transunion]]></category>
		<category><![CDATA[website]]></category>

		<guid isPermaLink="false">http://www.fairloanrate.com/2009/08/25/credit-reporting-agencies/</guid>
		<description><![CDATA[There are three main credit-reporting agencies, that are operating currently. They include Equifax, Experian and Transunion.Each credit bureau works independently and reports separate information from one another. This causes each bureau to have different report.]]></description>
		<wfw:commentRss>http://www.creditmaterial.com/2009/08/credit-reporting-agencies-2/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>New Credit Card Law Punishes Responsible People</title>
		<link>http://www.creditmaterial.com/2009/08/new-credit-card-law-punishes-responsible-people/</link>
		<comments>http://www.creditmaterial.com/2009/08/new-credit-card-law-punishes-responsible-people/#comments</comments>
		<pubDate>Mon, 24 Aug 2009 10:58:00 +0000</pubDate>
		<dc:creator>noor</dc:creator>
				<category><![CDATA[Banks]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[annual fee]]></category>
		<category><![CDATA[balance]]></category>
		<category><![CDATA[congress]]></category>
		<category><![CDATA[Credit Card Accountability Responsibility and Disclosure Act]]></category>
		<category><![CDATA[credit card balance]]></category>
		<category><![CDATA[credit card bill]]></category>
		<category><![CDATA[credit card companies]]></category>
		<category><![CDATA[credit card law]]></category>
		<category><![CDATA[good credit]]></category>
		<category><![CDATA[interest rate]]></category>
		<category><![CDATA[lender]]></category>
		<category><![CDATA[low]]></category>
		<category><![CDATA[percentage rebates]]></category>
		<category><![CDATA[rewards program]]></category>

		<guid isPermaLink="false">http://www.fairloanrate.com/2009/08/24/new-credit-card-law-punishes-responsible-people/</guid>
		<description><![CDATA[Recently, the congress passed a misguided credit card law, the Credit Card Accountability Responsibility and Disclosure Act of 2009, which makes you pay more on every credit card bill, even if your credit is good, or your credit card balance is low.]]></description>
		<wfw:commentRss>http://www.creditmaterial.com/2009/08/new-credit-card-law-punishes-responsible-people/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Credit Report Dispute</title>
		<link>http://www.creditmaterial.com/2009/08/credit-report-dispute/</link>
		<comments>http://www.creditmaterial.com/2009/08/credit-report-dispute/#comments</comments>
		<pubDate>Mon, 24 Aug 2009 10:21:00 +0000</pubDate>
		<dc:creator>noor</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Loans]]></category>
		<category><![CDATA[Tips & Advice]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[auto lease]]></category>
		<category><![CDATA[credit bureau]]></category>
		<category><![CDATA[credit profile]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[Disputing Inaccurate Items]]></category>
		<category><![CDATA[errors]]></category>
		<category><![CDATA[Free Credit Report]]></category>
		<category><![CDATA[interest rate]]></category>
		<category><![CDATA[letter]]></category>
		<category><![CDATA[misinformation]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[online]]></category>
		<category><![CDATA[website]]></category>

		<guid isPermaLink="false">http://www.fairloanrate.com/2009/08/24/credit-report-dispute/</guid>
		<description><![CDATA[It is already hard enough to maintain a good credit score, without the issues of misinformation constantly showing up on our credit reports. Moreover, identity theft can destroy our credit profile and create huge problems down the road. 
 
Thus, it’s extremely important to look closely at your credit report long before, you apply for [...]]]></description>
		<wfw:commentRss>http://www.creditmaterial.com/2009/08/credit-report-dispute/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Credit Inquiry</title>
		<link>http://www.creditmaterial.com/2009/08/credit-inquiry/</link>
		<comments>http://www.creditmaterial.com/2009/08/credit-inquiry/#comments</comments>
		<pubDate>Sun, 23 Aug 2009 11:21:00 +0000</pubDate>
		<dc:creator>noor</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Loans]]></category>
		<category><![CDATA[Tips & Advice]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[application]]></category>
		<category><![CDATA[auto loan]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit history]]></category>
		<category><![CDATA[credit inquiry]]></category>
		<category><![CDATA[credit line]]></category>
		<category><![CDATA[credit profile]]></category>
		<category><![CDATA[credit pulls]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[credit risk]]></category>
		<category><![CDATA[employee credit pulls]]></category>
		<category><![CDATA[FICO]]></category>
		<category><![CDATA[Free Credit Report]]></category>
		<category><![CDATA[Hard Pull]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[new credit accounts]]></category>
		<category><![CDATA[potential creditors]]></category>
		<category><![CDATA[Soft Pull]]></category>

		<guid isPermaLink="false">http://www.fairloanrate.com/2009/08/23/credit-inquiry/</guid>
		<description><![CDATA[A credit inquiry is basically a notice on your credit report, that shows the attempts you made to apply for some type of new credit. This new credit can be a mortgage, auto loan, or credit card. Whether they are approved or not, credit inquiries show up on your credit report, so that other creditors know if you’ve been trying to secure new lines of credit recently.]]></description>
		<wfw:commentRss>http://www.creditmaterial.com/2009/08/credit-inquiry/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>10 Credit Score Commandments</title>
		<link>http://www.creditmaterial.com/2009/08/10-credit-score-commandments/</link>
		<comments>http://www.creditmaterial.com/2009/08/10-credit-score-commandments/#comments</comments>
		<pubDate>Thu, 20 Aug 2009 23:18:39 +0000</pubDate>
		<dc:creator>Sharon Anne Waldrop</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debt planning]]></category>
		<category><![CDATA[How To]]></category>

		<guid isPermaLink="false">http://www.mint.com/blog/?p=5593</guid>
		<description><![CDATA[Forget making changes to your credit card usage – it’s what you don’t do that can increase your credit score (or at least keep it from going south). Here are the 10 commandments of credit card usage that can keep your credit score high.
<!--more-->]]></description>
		<wfw:commentRss>http://www.creditmaterial.com/2009/08/10-credit-score-commandments/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Credit Card Finance Charges</title>
		<link>http://www.creditmaterial.com/2009/08/credit-card-finance-charges/</link>
		<comments>http://www.creditmaterial.com/2009/08/credit-card-finance-charges/#comments</comments>
		<pubDate>Thu, 20 Aug 2009 12:58:00 +0000</pubDate>
		<dc:creator>noor</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Tips & Advice]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[0% APR credit card]]></category>
		<category><![CDATA[APR]]></category>
		<category><![CDATA[associated fees]]></category>
		<category><![CDATA[average daily balance method]]></category>
		<category><![CDATA[balance]]></category>
		<category><![CDATA[bank]]></category>
		<category><![CDATA[billing cycle]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit card APR]]></category>
		<category><![CDATA[credit card companies]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[dollars]]></category>
		<category><![CDATA[extra charges]]></category>
		<category><![CDATA[Finance charges]]></category>
		<category><![CDATA[information]]></category>
		<category><![CDATA[interest]]></category>
		<category><![CDATA[minimum payments]]></category>
		<category><![CDATA[principal balance]]></category>
		<category><![CDATA[Two-Cycle Billing Period]]></category>

		<guid isPermaLink="false">http://www.fairloanrate.com/2009/08/21/credit-card-finance-charges/</guid>
		<description><![CDATA[Most of the credit card companies make the bulk of their money from finance charges. A finance fee comprises of the extra charges that are added on to your existing balance if it isn’t paid off in full within the grace period, or before the next billing cycle.]]></description>
		<wfw:commentRss>http://www.creditmaterial.com/2009/08/credit-card-finance-charges/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Credit Card Cash Advances</title>
		<link>http://www.creditmaterial.com/2009/08/credit-card-cash-advances/</link>
		<comments>http://www.creditmaterial.com/2009/08/credit-card-cash-advances/#comments</comments>
		<pubDate>Wed, 19 Aug 2009 10:00:00 +0000</pubDate>
		<dc:creator>noor</dc:creator>
				<category><![CDATA[Banks]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[Tips & Advice]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[amount]]></category>
		<category><![CDATA[APR]]></category>
		<category><![CDATA[ATM]]></category>
		<category><![CDATA[ATM card]]></category>
		<category><![CDATA[balance]]></category>
		<category><![CDATA[bank account]]></category>
		<category><![CDATA[cardholders]]></category>
		<category><![CDATA[cash advance]]></category>
		<category><![CDATA[cash advance fee]]></category>
		<category><![CDATA[convenience checks]]></category>
		<category><![CDATA[costly]]></category>
		<category><![CDATA[credit card companies]]></category>
		<category><![CDATA[credit line]]></category>
		<category><![CDATA[emergency]]></category>
		<category><![CDATA[fees]]></category>
		<category><![CDATA[grace period]]></category>
		<category><![CDATA[pin number]]></category>
		<category><![CDATA[withdraw cash]]></category>

		<guid isPermaLink="false">http://www.fairloanrate.com/2009/08/19/credit-card-cash-advances/</guid>
		<description><![CDATA[Most of the credit card companies allow you to have access to cash advances as well. Cash advances allow the cardholders to withdraw cash out of ATMs in the same way as they would with a check card or ATM card. This is the reason why you’re given a pin number when you open a new credit card.]]></description>
		<wfw:commentRss>http://www.creditmaterial.com/2009/08/credit-card-cash-advances/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
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