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	<title>Credit Report News, Tips &#38; Advice « Credit Reports&#187; 2009  December</title>
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	<description>Credit Report News, Tips &#38; Advice</description>
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		<title>Credit Shopping and your Credit Score</title>
		<link>http://www.free-credit-reports.com/credit-report/credit-report-tips/credit-shopping-and-your-credit-score-569.php</link>
		<comments>http://www.free-credit-reports.com/credit-report/credit-report-tips/credit-shopping-and-your-credit-score-569.php#comments</comments>
		<pubDate>Thu, 31 Dec 2009 13:32:51 +0000</pubDate>
		<dc:creator>Karen Anderson</dc:creator>
				<category><![CDATA[Credit Report Tips]]></category>

		<guid isPermaLink="false">http://www.free-credit-reports.com/credit-report/?p=569</guid>
		<description><![CDATA[The idea of credit shopping is an over used shopping style that is used by many to decrease their utilization measurement in the hope of increasing their credit score and having a better credit report. However, over shopping for credit is also bad because of its long term potential detriments to the overall credit worthiness of the individual. Borrowers and credit reports recipients should avoid over doing the credit report tips on decreasing utilization. The tips prescribe to lessen utilization ... (<a href="http://www.free-credit-reports.com/credit-report/credit-report-tips/credit-shopping-and-your-credit-score-569.php" rel="bookmark" title="Permanent Link to Credit Shopping and your Credit Score" class="more">more</a>) <span class="date">December 31, 2009</span>]]></description>
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		<title>Park County Foreclosure Second Highest in Colorado</title>
		<link>http://www.free-credit-reports.com/credit-report/credit-report-news/park-county-foreclosure-second-highest-in-colorado-684.php</link>
		<comments>http://www.free-credit-reports.com/credit-report/credit-report-news/park-county-foreclosure-second-highest-in-colorado-684.php#comments</comments>
		<pubDate>Thu, 31 Dec 2009 13:25:16 +0000</pubDate>
		<dc:creator>Faye Mergel</dc:creator>
				<category><![CDATA[Credit Report News]]></category>

		<guid isPermaLink="false">http://www.free-credit-reports.com/credit-report/?p=684</guid>
		<description><![CDATA[With one completed foreclosure in every 55 homes, Park County recorded the second highest rates in the state of Colorado for the third quarter of 2009, just lagging a little behind San Juan County. A foreclosure severely impacts a credit report, which could ruin finances of foreclosed households. The Colorado Division of Housing recently reported that Park County has the second-highest foreclosure rate than any other county in Colorado during the third quarter of 2009. Ryan McMaken, community relations director ... (<a href="http://www.free-credit-reports.com/credit-report/credit-report-news/park-county-foreclosure-second-highest-in-colorado-684.php" rel="bookmark" title="Permanent Link to Park County Foreclosure Second Highest in Colorado" class="more">more</a>) <span class="date">December 31, 2009</span>]]></description>
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		<title>Credit Report Mistakes Costs Family Thousands of Dollars in Mortgage Payment</title>
		<link>http://www.free-credit-reports.com/credit-report/credit-report-news/credit-report-mistakes-costs-family-thousands-of-dollars-in-mortgage-payment-680.php</link>
		<comments>http://www.free-credit-reports.com/credit-report/credit-report-news/credit-report-mistakes-costs-family-thousands-of-dollars-in-mortgage-payment-680.php#comments</comments>
		<pubDate>Wed, 30 Dec 2009 15:33:25 +0000</pubDate>
		<dc:creator>Faye Mergel</dc:creator>
				<category><![CDATA[Credit Report News]]></category>

		<guid isPermaLink="false">http://www.free-credit-reports.com/credit-report/?p=680</guid>
		<description><![CDATA[A Manitoba family has done everything right in paying their dues to a financing organization. However, the credit report error made by the company has cost them to pay thousands of dollars more on their mortgage loan, making their Christmas bleak when it should have been jolly and gay. Nancy Klassen sought financing for a GM minivan several years ago and was able to pay it off in June 2008. However, when they tried to refinance their home, they found ... (<a href="http://www.free-credit-reports.com/credit-report/credit-report-news/credit-report-mistakes-costs-family-thousands-of-dollars-in-mortgage-payment-680.php" rel="bookmark" title="Permanent Link to Credit Report Mistakes Costs Family Thousands of Dollars in Mortgage Payment" class="more">more</a>) <span class="date">December 30, 2009</span>]]></description>
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		<title>Know your Credit Report Better</title>
		<link>http://www.free-credit-reports.com/credit-report/credit-report-advice/know-your-credit-report-better-562.php</link>
		<comments>http://www.free-credit-reports.com/credit-report/credit-report-advice/know-your-credit-report-better-562.php#comments</comments>
		<pubDate>Wed, 30 Dec 2009 13:24:27 +0000</pubDate>
		<dc:creator>Andy Snyder</dc:creator>
				<category><![CDATA[Credit Report Advice]]></category>

		<guid isPermaLink="false">http://www.free-credit-reports.com/credit-report/?p=562</guid>
		<description><![CDATA[Before we get into understanding the finer details of credit reports, let us first try and define it. A credit report is a record of all your credit activities. For example, it shows what loans are outstanding, it shows how fast you repaid your previous loans, and it also shows whether any action was taken against you because of unpaid loans. In the previous days, banks or lenders would actually ask for a list of all your previous creditors. Then ... (<a href="http://www.free-credit-reports.com/credit-report/credit-report-advice/know-your-credit-report-better-562.php" rel="bookmark" title="Permanent Link to Know your Credit Report Better" class="more">more</a>) <span class="date">December 30, 2009</span>]]></description>
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		<title>Instant Card Offers May Disappear After Holiday Season</title>
		<link>http://www.free-credit-reports.com/credit-report/credit-report-news/instant-card-offers-may-disappear-after-holiday-season-676.php</link>
		<comments>http://www.free-credit-reports.com/credit-report/credit-report-news/instant-card-offers-may-disappear-after-holiday-season-676.php#comments</comments>
		<pubDate>Tue, 29 Dec 2009 16:40:28 +0000</pubDate>
		<dc:creator>Faye Mergel</dc:creator>
				<category><![CDATA[Credit Report News]]></category>

		<guid isPermaLink="false">http://www.free-credit-reports.com/credit-report/?p=676</guid>
		<description><![CDATA[Store cards offering huge discounts on item purchases are very popular during holiday season. Malls and retail outlets are enticing shoppers to sign up by tempting them with a luscious 15 percent slice off some tag prices. However, they could disappear next year as the government will begin implementing new measures to make sure that a borrower’s financial status and credit score is commensurate to what he owes. Federal regulators note that store cards have higher default rates because it ... (<a href="http://www.free-credit-reports.com/credit-report/credit-report-news/instant-card-offers-may-disappear-after-holiday-season-676.php" rel="bookmark" title="Permanent Link to Instant Card Offers May Disappear After Holiday Season" class="more">more</a>) <span class="date">December 29, 2009</span>]]></description>
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		<title>Debt Settlement, Debt Utilization, and your Credit Score</title>
		<link>http://www.free-credit-reports.com/credit-report/credit-report-tips/debt-settlement-debt-utilization-and-your-credit-score-567.php</link>
		<comments>http://www.free-credit-reports.com/credit-report/credit-report-tips/debt-settlement-debt-utilization-and-your-credit-score-567.php#comments</comments>
		<pubDate>Tue, 29 Dec 2009 13:31:20 +0000</pubDate>
		<dc:creator>Karen Anderson</dc:creator>
				<category><![CDATA[Credit Report Tips]]></category>

		<guid isPermaLink="false">http://www.free-credit-reports.com/credit-report/?p=567</guid>
		<description><![CDATA[Everything is at its best if it is in the right amount and proportions, nothing more, nothing less. In the businesses of credits, debts and payments the same truth applies, everything should be just right. This is the same nature that puts credit experts in an obligated position to give the best credit report tips. These tips would cater individuals to further understand the nature of credits and in answering the questions that continually bug the minds of individuals with ... (<a href="http://www.free-credit-reports.com/credit-report/credit-report-tips/debt-settlement-debt-utilization-and-your-credit-score-567.php" rel="bookmark" title="Permanent Link to Debt Settlement, Debt Utilization, and your Credit Score" class="more">more</a>) <span class="date">December 29, 2009</span>]]></description>
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		<title>Short Sellers Banned from FHA Loans</title>
		<link>http://www.free-credit-reports.com/credit-report/credit-report-news/short-sellers-banned-from-fha-loans-673.php</link>
		<comments>http://www.free-credit-reports.com/credit-report/credit-report-news/short-sellers-banned-from-fha-loans-673.php#comments</comments>
		<pubDate>Mon, 28 Dec 2009 15:46:15 +0000</pubDate>
		<dc:creator>Faye Mergel</dc:creator>
				<category><![CDATA[Credit Report News]]></category>

		<guid isPermaLink="false">http://www.free-credit-reports.com/credit-report/?p=673</guid>
		<description><![CDATA[The Housing and Urban Development (HUD) recently sent a letter to mortgage lenders across the United States informing them that it will not insure loans for short sellers whose mortgage was in default at the time of the sale. However, it also announced that short sellers who managed to keep black marks off their credit report over the last few years may get an exemption. People are increasingly resorting to short sales in order to avoid foreclosure as more and ... (<a href="http://www.free-credit-reports.com/credit-report/credit-report-news/short-sellers-banned-from-fha-loans-673.php" rel="bookmark" title="Permanent Link to Short Sellers Banned from FHA Loans" class="more">more</a>) <span class="date">December 28, 2009</span>]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Don&#8217;t let your credit report affect your job prospects</title>
		<link>http://www.free-credit-reports.com/credit-report/credit-report-advice/dont-let-your-credit-report-affect-your-job-prospects-560.php</link>
		<comments>http://www.free-credit-reports.com/credit-report/credit-report-advice/dont-let-your-credit-report-affect-your-job-prospects-560.php#comments</comments>
		<pubDate>Mon, 28 Dec 2009 13:18:37 +0000</pubDate>
		<dc:creator>Andy Snyder</dc:creator>
				<category><![CDATA[Credit Report Advice]]></category>

		<guid isPermaLink="false">http://www.free-credit-reports.com/credit-report/?p=560</guid>
		<description><![CDATA[Credit is the most important factor in financial matters in the United States. Credit is when a borrower borrows some money to pay for goods and services from a creditor. It also includes a promise to pay the money back in periodic instalments with no delay in payments. Your entire credit history will be listed on your credit report. Details of every single credit along with any late payments and due amounts will be mentioned. Your credit history will be ... (<a href="http://www.free-credit-reports.com/credit-report/credit-report-advice/dont-let-your-credit-report-affect-your-job-prospects-560.php" rel="bookmark" title="Permanent Link to Don&#8217;t let your credit report affect your job prospects" class="more">more</a>) <span class="date">December 28, 2009</span>]]></description>
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		<title>Credit Report Check a Must for Tax Season</title>
		<link>http://www.free-credit-reports.com/credit-report/credit-report-news/credit-report-check-a-must-for-tax-season-670.php</link>
		<comments>http://www.free-credit-reports.com/credit-report/credit-report-news/credit-report-check-a-must-for-tax-season-670.php#comments</comments>
		<pubDate>Sun, 27 Dec 2009 13:41:19 +0000</pubDate>
		<dc:creator>Faye Mergel</dc:creator>
				<category><![CDATA[Credit Report News]]></category>

		<guid isPermaLink="false">http://www.free-credit-reports.com/credit-report/?p=670</guid>
		<description><![CDATA[The holiday season is here once again and finance advisers are quick to remind consumers of the importance of checking their credit report before being caught by the holiday rush. However, they also tell consumers that when the shopping days are over, it will be time for them to pay Uncle Sam his due or get a refund instead. The time for taxpayers to meet their obligations is fast approaching and another credit report check would help them know what ... (<a href="http://www.free-credit-reports.com/credit-report/credit-report-news/credit-report-check-a-must-for-tax-season-670.php" rel="bookmark" title="Permanent Link to Credit Report Check a Must for Tax Season" class="more">more</a>) <span class="date">December 27, 2009</span>]]></description>
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		<item>
		<title>Time is Gold in the Credit World</title>
		<link>http://www.free-credit-reports.com/credit-report/credit-report-tips/time-is-gold-in-the-credit-world-566.php</link>
		<comments>http://www.free-credit-reports.com/credit-report/credit-report-tips/time-is-gold-in-the-credit-world-566.php#comments</comments>
		<pubDate>Sun, 27 Dec 2009 13:29:52 +0000</pubDate>
		<dc:creator>Karen Anderson</dc:creator>
				<category><![CDATA[Credit Report Tips]]></category>

		<guid isPermaLink="false">http://www.free-credit-reports.com/credit-report/credit-report-tips/time-is-gold-in-the-credit-world-566.php</guid>
		<description><![CDATA[Time is always of the essence in making credit reports. The time factor in documenting credit reports is seen in its stress and emphasis on the Date of Last Activity or DLA. This DLA is the guideline followed by credit bureaus in documenting the needed information in an individual’s credit report. Credit report tips are available almost everywhere, the fast development of technologies like the internet made these tips more available to the public. On the other hand, the individuals ... (<a href="http://www.free-credit-reports.com/credit-report/credit-report-tips/time-is-gold-in-the-credit-world-566.php" rel="bookmark" title="Permanent Link to Time is Gold in the Credit World" class="more">more</a>) <span class="date">December 27, 2009</span>]]></description>
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