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	<title>Credit Education&#187; 2010  December</title>
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	<description>Credit Education 101</description>
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		<title>Regaining financial freedom with debt help</title>
		<link>http://www.free-credit-reports.com/credit-education/debt-management-help/regaining-financial-freedom-with-debt-help-595.php</link>
		<comments>http://www.free-credit-reports.com/credit-education/debt-management-help/regaining-financial-freedom-with-debt-help-595.php#comments</comments>
		<pubDate>Fri, 31 Dec 2010 07:02:38 +0000</pubDate>
		<dc:creator>Janet Lacey</dc:creator>
				<category><![CDATA[Debt Management Help]]></category>

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		<description><![CDATA[Financial freedom is about living within your means and making sure that you don   t incur debts far beyond what you can pay for. It is about recognizing that your money is under your control and though there may be times when circumstances dictate spending out of proportions (accidents, emergencies, etc   ), ... (<a href="http://www.free-credit-reports.com/credit-education/debt-management-help/regaining-financial-freedom-with-debt-help-595.php" rel="bookmark" title="Permanent Link to Regaining financial freedom with debt help" class="more">more</a>) <span class="date">December 31, 2010</span>]]></description>
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		<title>Managing debts in the usual way</title>
		<link>http://www.free-credit-reports.com/credit-education/debt-management-help/managing-debts-in-the-usual-way-593.php</link>
		<comments>http://www.free-credit-reports.com/credit-education/debt-management-help/managing-debts-in-the-usual-way-593.php#comments</comments>
		<pubDate>Mon, 27 Dec 2010 07:01:44 +0000</pubDate>
		<dc:creator>Janet Lacey</dc:creator>
				<category><![CDATA[Debt Management Help]]></category>

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		<description><![CDATA[Finance and debt topics are common on the internet and in several debt management manuals. The thing common with these advices is that it becomes general in approaching individuals with problems in managing their debts. This kind of approach is slightly skewed because people have different circumstances. Therefore, debt advices ... (<a href="http://www.free-credit-reports.com/credit-education/debt-management-help/managing-debts-in-the-usual-way-593.php" rel="bookmark" title="Permanent Link to Managing debts in the usual way" class="more">more</a>) <span class="date">December 27, 2010</span>]]></description>
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		<title>Determinants for computing credit scores in fair isaac&#8217;s formula</title>
		<link>http://www.free-credit-reports.com/credit-education/credit-score/determinants-for-computing-credit-scores-in-fair-isaacs-formula-591.php</link>
		<comments>http://www.free-credit-reports.com/credit-education/credit-score/determinants-for-computing-credit-scores-in-fair-isaacs-formula-591.php#comments</comments>
		<pubDate>Thu, 23 Dec 2010 07:00:34 +0000</pubDate>
		<dc:creator>Janet Lacey</dc:creator>
				<category><![CDATA[Credit Score]]></category>

		<guid isPermaLink="false">http://www.free-credit-reports.com/credit-education/?p=591</guid>
		<description><![CDATA[Credit card and loan companies use a standard to determine who will be their possible clients. It is risky for these companies to let all people borrow unlimited money from them because each person differs in terms of his capacity and capability to pay the kind of loan they apply ... (<a href="http://www.free-credit-reports.com/credit-education/credit-score/determinants-for-computing-credit-scores-in-fair-isaacs-formula-591.php" rel="bookmark" title="Permanent Link to Determinants for computing credit scores in fair isaac&#8217;s formula" class="more">more</a>) <span class="date">December 23, 2010</span>]]></description>
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		<title>Improving credit score considering the factors affecting it</title>
		<link>http://www.free-credit-reports.com/credit-education/credit-score/improving-credit-score-considering-the-factors-affecting-it-589.php</link>
		<comments>http://www.free-credit-reports.com/credit-education/credit-score/improving-credit-score-considering-the-factors-affecting-it-589.php#comments</comments>
		<pubDate>Sun, 19 Dec 2010 06:59:08 +0000</pubDate>
		<dc:creator>Janet Lacey</dc:creator>
				<category><![CDATA[Credit Score]]></category>

		<guid isPermaLink="false">http://www.free-credit-reports.com/credit-education/?p=589</guid>
		<description><![CDATA[The credit score is the finance evaluation of an individual   s creditworthiness. The credit score is affected by a confluence of factors including an individual   s credit history and income.   Here are the other factors that determine an individual   s creditworthiness:    Payment history   assessment of whether the credit holder has consistent payment patterns ... (<a href="http://www.free-credit-reports.com/credit-education/credit-score/improving-credit-score-considering-the-factors-affecting-it-589.php" rel="bookmark" title="Permanent Link to Improving credit score considering the factors affecting it" class="more">more</a>) <span class="date">December 19, 2010</span>]]></description>
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		<title>The importance of a credit report</title>
		<link>http://www.free-credit-reports.com/credit-education/credit-report/the-importance-of-a-credit-report-587.php</link>
		<comments>http://www.free-credit-reports.com/credit-education/credit-report/the-importance-of-a-credit-report-587.php#comments</comments>
		<pubDate>Wed, 15 Dec 2010 06:58:35 +0000</pubDate>
		<dc:creator>Janet Lacey</dc:creator>
				<category><![CDATA[Credit Report]]></category>

		<guid isPermaLink="false">http://www.free-credit-reports.com/credit-education/?p=587</guid>
		<description><![CDATA[The credit report is important because it proves the credibility of a cardholder   s credit score and also shows whether or not an individual needs credit repair. The government has previously taken measures to allow cardholders to view their credit reports at least once in a year for free. The credit ... (<a href="http://www.free-credit-reports.com/credit-education/credit-report/the-importance-of-a-credit-report-587.php" rel="bookmark" title="Permanent Link to The importance of a credit report" class="more">more</a>) <span class="date">December 15, 2010</span>]]></description>
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		<title>Common categories in credit reports</title>
		<link>http://www.free-credit-reports.com/credit-education/credit-report/common-categories-in-credit-reports-585.php</link>
		<comments>http://www.free-credit-reports.com/credit-education/credit-report/common-categories-in-credit-reports-585.php#comments</comments>
		<pubDate>Sat, 11 Dec 2010 06:58:05 +0000</pubDate>
		<dc:creator>Janet Lacey</dc:creator>
				<category><![CDATA[Credit Report]]></category>

		<guid isPermaLink="false">http://www.free-credit-reports.com/credit-education/?p=585</guid>
		<description><![CDATA[Several credit report agencies had been established for a particular goal. The goal is to provide their clients with the most accurate record of the person or firm   s credit record which includes the loan and paying history. It also aims to show late payments incurred by the individual and if ... (<a href="http://www.free-credit-reports.com/credit-education/credit-report/common-categories-in-credit-reports-585.php" rel="bookmark" title="Permanent Link to Common categories in credit reports" class="more">more</a>) <span class="date">December 11, 2010</span>]]></description>
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		<title>Do-it-yourself strategies for basic credit repair</title>
		<link>http://www.free-credit-reports.com/credit-education/credit-repair/do-it-yourself-strategies-for-basic-credit-repair-583.php</link>
		<comments>http://www.free-credit-reports.com/credit-education/credit-repair/do-it-yourself-strategies-for-basic-credit-repair-583.php#comments</comments>
		<pubDate>Tue, 07 Dec 2010 06:57:23 +0000</pubDate>
		<dc:creator>Janet Lacey</dc:creator>
				<category><![CDATA[Credit Repair]]></category>

		<guid isPermaLink="false">http://www.free-credit-reports.com/credit-education/?p=583</guid>
		<description><![CDATA[The law allows cardholders to dispute negative items on their credit reports. Investigation on the information in question is then expected of the credit bureaus. The request for investigation is free. If the credit bureaus cannot validate the disputed items with the information furnishers, the former is tasked to remove ... (<a href="http://www.free-credit-reports.com/credit-education/credit-repair/do-it-yourself-strategies-for-basic-credit-repair-583.php" rel="bookmark" title="Permanent Link to Do-it-yourself strategies for basic credit repair" class="more">more</a>) <span class="date">December 7, 2010</span>]]></description>
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		<title>Building good credit rating by correcting negative information</title>
		<link>http://www.free-credit-reports.com/credit-education/credit-repair/building-good-credit-rating-by-correcting-negative-information-581.php</link>
		<comments>http://www.free-credit-reports.com/credit-education/credit-repair/building-good-credit-rating-by-correcting-negative-information-581.php#comments</comments>
		<pubDate>Fri, 03 Dec 2010 06:55:58 +0000</pubDate>
		<dc:creator>Janet Lacey</dc:creator>
				<category><![CDATA[Credit Repair]]></category>

		<guid isPermaLink="false">http://www.free-credit-reports.com/credit-education/?p=581</guid>
		<description><![CDATA[Having bad credit records are hard especially when the person applies for car or home loans or when the person decides to open another credit account. People with bad credit score and problematic credit history are more likely to borrow only a limited amount. Worse than this is the person ... (<a href="http://www.free-credit-reports.com/credit-education/credit-repair/building-good-credit-rating-by-correcting-negative-information-581.php" rel="bookmark" title="Permanent Link to Building good credit rating by correcting negative information" class="more">more</a>) <span class="date">December 3, 2010</span>]]></description>
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