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	<title>Credit Score News, Tips &#38; Advice « Credit Scores&#187; 2009  October</title>
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	<description>Credit Score News, Tips &#38; Advice</description>
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		<title>Credit Cards and Your Credit Score</title>
		<link>http://www.free-credit-reports.com/credit-score/credit-score-tips/credit-cards-and-your-credit-score-223.php</link>
		<comments>http://www.free-credit-reports.com/credit-score/credit-score-tips/credit-cards-and-your-credit-score-223.php#comments</comments>
		<pubDate>Sat, 31 Oct 2009 18:04:07 +0000</pubDate>
		<dc:creator>Brian Anderson</dc:creator>
				<category><![CDATA[Credit Score Tips]]></category>

		<guid isPermaLink="false">http://www.free-credit-reports.com/credit-score/?p=223</guid>
		<description><![CDATA[Credit scores are used by financial companies like banks to assess if a person is “creditworthy”, or simply, able to pay off debts. That is why whenever applying for a financing, mortgages, or any other kind of loan, the term credit score creeps up. There are a lot of factors that can affect your credit score such as payment histories, outstanding loans, and state of current debts. Your credit cards, the number of, their respective balances, and your payments, can ... (<a href="http://www.free-credit-reports.com/credit-score/credit-score-tips/credit-cards-and-your-credit-score-223.php" rel="bookmark" title="Permanent Link to Credit Cards and Your Credit Score" class="more">more</a>) <span class="date">October 31, 2009</span>]]></description>
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		<title>Latest Credit Rating Method Gives More Room for Errors</title>
		<link>http://www.free-credit-reports.com/credit-score/credit-score-news/latest-credit-rating-method-gives-more-room-for-errors-390.php</link>
		<comments>http://www.free-credit-reports.com/credit-score/credit-score-news/latest-credit-rating-method-gives-more-room-for-errors-390.php#comments</comments>
		<pubDate>Sat, 31 Oct 2009 13:24:45 +0000</pubDate>
		<dc:creator>Sally Maison</dc:creator>
				<category><![CDATA[Credit Score News]]></category>

		<guid isPermaLink="false">http://www.free-credit-reports.com/credit-score/?p=390</guid>
		<description><![CDATA[Many consumers are worried that their $50 parking fine which they forgot to pay a couple of years ago will continue to affect their credit score for seven to ten years. Even if the penalty has now grown to $200, it will still no longer impact consumer rating. That is because FICO08, the newest credit scoring method from Fair Isaac Company, does not count unpaid debts which started below $100. But experts say there are still consequences for not paying ... (<a href="http://www.free-credit-reports.com/credit-score/credit-score-news/latest-credit-rating-method-gives-more-room-for-errors-390.php" rel="bookmark" title="Permanent Link to Latest Credit Rating Method Gives More Room for Errors" class="more">more</a>) <span class="date">October 31, 2009</span>]]></description>
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		<title>Credit Score Could Drop by 200 Points if Mortgage Is Unpaid</title>
		<link>http://www.free-credit-reports.com/credit-score/credit-score-news/credit-score-could-drop-by-200-points-if-mortgage-is-unpaid-387.php</link>
		<comments>http://www.free-credit-reports.com/credit-score/credit-score-news/credit-score-could-drop-by-200-points-if-mortgage-is-unpaid-387.php#comments</comments>
		<pubDate>Fri, 30 Oct 2009 13:00:21 +0000</pubDate>
		<dc:creator>Sally Maison</dc:creator>
				<category><![CDATA[Credit Score News]]></category>

		<guid isPermaLink="false">http://www.free-credit-reports.com/credit-score/?p=387</guid>
		<description><![CDATA[A recently published study by the First American CoreLogic reveals that almost a third of South Florida homes are underwater. This means that many homeowners owe more than their home’s worth. The foreclosure crisis in the area, deemed by most experts as something that is far from over, is the main reason behind depressed real estate prices. Homeowners say that their devalued homes discourage them to continue paying their mortgages. But industry specialists warn consumers that if their payment does ... (<a href="http://www.free-credit-reports.com/credit-score/credit-score-news/credit-score-could-drop-by-200-points-if-mortgage-is-unpaid-387.php" rel="bookmark" title="Permanent Link to Credit Score Could Drop by 200 Points if Mortgage Is Unpaid" class="more">more</a>) <span class="date">October 30, 2009</span>]]></description>
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		<title>Credit Scores: Why you should keep yours high</title>
		<link>http://www.free-credit-reports.com/credit-score/credit-score-tips/credit-scores-why-you-should-keep-yours-high-221.php</link>
		<comments>http://www.free-credit-reports.com/credit-score/credit-score-tips/credit-scores-why-you-should-keep-yours-high-221.php#comments</comments>
		<pubDate>Fri, 30 Oct 2009 11:02:37 +0000</pubDate>
		<dc:creator>Brian Anderson</dc:creator>
				<category><![CDATA[Credit Score Tips]]></category>

		<guid isPermaLink="false">http://www.free-credit-reports.com/credit-score/?p=221</guid>
		<description><![CDATA[If you have ever wondered why there are a lot of news and articles about credit score tips and credit ratings all around the internet and the financial world, this is for you. Credit scores are the statistical method banks and other financial institutions use to determine if you will be able to pay back your debts in the specific time you have promised to do so. Credit bureaus, companies that are used by banks and financial companies to calculate ... (<a href="http://www.free-credit-reports.com/credit-score/credit-score-tips/credit-scores-why-you-should-keep-yours-high-221.php" rel="bookmark" title="Permanent Link to Credit Scores: Why you should keep yours high" class="more">more</a>) <span class="date">October 30, 2009</span>]]></description>
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		<title>Convicted Alabama Mayor had a Credit Score of 485</title>
		<link>http://www.free-credit-reports.com/credit-score/credit-score-news/convicted-alabama-mayor-had-a-credit-score-of-485-383.php</link>
		<comments>http://www.free-credit-reports.com/credit-score/credit-score-news/convicted-alabama-mayor-had-a-credit-score-of-485-383.php#comments</comments>
		<pubDate>Thu, 29 Oct 2009 13:52:49 +0000</pubDate>
		<dc:creator>Sally Maison</dc:creator>
				<category><![CDATA[Credit Score News]]></category>

		<guid isPermaLink="false">http://www.free-credit-reports.com/credit-score/?p=383</guid>
		<description><![CDATA[With a very low credit score and a luxurious lifestyle, it is not hard for the public to understand why Alabama Mayor Larry Langford got into bribery deals. Investigators found out that Langford had several debts which amounted to more than half a million in 2007, the majority of which are on credit card debts, automobile loans, and mortgages. Langford was found guilty today over bribery charges. Earlier this week, a former National Bank of Commerce employee testified against Langford ... (<a href="http://www.free-credit-reports.com/credit-score/credit-score-news/convicted-alabama-mayor-had-a-credit-score-of-485-383.php" rel="bookmark" title="Permanent Link to Convicted Alabama Mayor had a Credit Score of 485" class="more">more</a>) <span class="date">October 29, 2009</span>]]></description>
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		<title>Know Why You need to Get a High Credit Score</title>
		<link>http://www.free-credit-reports.com/credit-score/credit-score-advice/know-why-you-need-to-get-a-high-credit-score-219.php</link>
		<comments>http://www.free-credit-reports.com/credit-score/credit-score-advice/know-why-you-need-to-get-a-high-credit-score-219.php#comments</comments>
		<pubDate>Thu, 29 Oct 2009 11:00:36 +0000</pubDate>
		<dc:creator>George Hauser</dc:creator>
				<category><![CDATA[Credit Score Advice]]></category>

		<guid isPermaLink="false">http://www.free-credit-reports.com/credit-score/?p=219</guid>
		<description><![CDATA[As a credit card holder, do know that you are under watch. Whether you are buying often or not, or as much or as less, your credit company takes heed in tracking your transactions for every credit card that you have. Therefore, as a creditor, you are defined by your credit scores. Thus, you also need every credit score advice available so that you may manage your history better. Why is a credit score advice important? Basically, you credit score ... (<a href="http://www.free-credit-reports.com/credit-score/credit-score-advice/know-why-you-need-to-get-a-high-credit-score-219.php" rel="bookmark" title="Permanent Link to Know Why You need to Get a High Credit Score" class="more">more</a>) <span class="date">October 29, 2009</span>]]></description>
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		<title>401(k) Plan an Option for Low-Credit Consumers</title>
		<link>http://www.free-credit-reports.com/credit-score/credit-score-news/401k-plan-an-option-for-low-credit-consumers-316.php</link>
		<comments>http://www.free-credit-reports.com/credit-score/credit-score-news/401k-plan-an-option-for-low-credit-consumers-316.php#comments</comments>
		<pubDate>Wed, 28 Oct 2009 13:26:14 +0000</pubDate>
		<dc:creator>Sally Maison</dc:creator>
				<category><![CDATA[Credit Score News]]></category>

		<guid isPermaLink="false">http://www.free-credit-reports.com/credit-score/?p=316</guid>
		<description><![CDATA[Economists say borrowing form a 401(k) might be the better option for consumers who are having troubles with their credit score. The plan is normally used by American workers to save for their retirement while others are increasingly using it for holiday shopping. However, most consumers are having trouble with their finances, preventing them to get low-interest deal from lenders. With a 401(k) loan, economists say consumers can save as much as 20 percent on their overall interest costs. They ... (<a href="http://www.free-credit-reports.com/credit-score/credit-score-news/401k-plan-an-option-for-low-credit-consumers-316.php" rel="bookmark" title="Permanent Link to 401(k) Plan an Option for Low-Credit Consumers" class="more">more</a>) <span class="date">October 28, 2009</span>]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Tips on Maintaining a Good Credit Score</title>
		<link>http://www.free-credit-reports.com/credit-score/credit-score-tips/tips-on-maintaining-a-good-credit-score-217.php</link>
		<comments>http://www.free-credit-reports.com/credit-score/credit-score-tips/tips-on-maintaining-a-good-credit-score-217.php#comments</comments>
		<pubDate>Wed, 28 Oct 2009 12:59:23 +0000</pubDate>
		<dc:creator>Brian Anderson</dc:creator>
				<category><![CDATA[Credit Score Tips]]></category>

		<guid isPermaLink="false">http://www.free-credit-reports.com/credit-score/?p=217</guid>
		<description><![CDATA[Credit score tips are not that hard to find but, to truly make use of them, one must understand the basics and reasoning behind that magic number. Basically, credit scores are an evaluation of one’s creditworthiness or credit risk. This score is used by financial institutions to see if you are likely to miss your payments or default on a loan or debt. The credit bureaus are the ones that compile the relevant data that that affect one’s score. Generally, ... (<a href="http://www.free-credit-reports.com/credit-score/credit-score-tips/tips-on-maintaining-a-good-credit-score-217.php" rel="bookmark" title="Permanent Link to Tips on Maintaining a Good Credit Score" class="more">more</a>) <span class="date">October 28, 2009</span>]]></description>
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		<title>Experts Warn Consumers about Adverse Impacts of Credit Card Cuts on Scores</title>
		<link>http://www.free-credit-reports.com/credit-score/credit-score-news/experts-warn-consumers-about-adverse-impacts-of-credit-card-cuts-on-scores-312.php</link>
		<comments>http://www.free-credit-reports.com/credit-score/credit-score-news/experts-warn-consumers-about-adverse-impacts-of-credit-card-cuts-on-scores-312.php#comments</comments>
		<pubDate>Tue, 27 Oct 2009 13:15:25 +0000</pubDate>
		<dc:creator>Sally Maison</dc:creator>
				<category><![CDATA[Credit Score News]]></category>

		<guid isPermaLink="false">http://www.free-credit-reports.com/credit-score/?p=312</guid>
		<description><![CDATA[As 2009 enters its last quarter, struggling banks were beginning to close card accounts with barely any warning. Among those banks is lending giant Citi, which started closing reward cards for select clients this week. While some consumed this positively because it frees them of some payment obligations, finance experts say this also takes away a significant credit line for consumers, which adversely impacts their rating. Experts add that such changes have neutral effects on consumers with good credit scores, ... (<a href="http://www.free-credit-reports.com/credit-score/credit-score-news/experts-warn-consumers-about-adverse-impacts-of-credit-card-cuts-on-scores-312.php" rel="bookmark" title="Permanent Link to Experts Warn Consumers about Adverse Impacts of Credit Card Cuts on Scores" class="more">more</a>) <span class="date">October 27, 2009</span>]]></description>
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		<title>Your Credit Score and How to Increase It</title>
		<link>http://www.free-credit-reports.com/credit-score/credit-score-advice/your-credit-score-and-how-to-increase-it-215.php</link>
		<comments>http://www.free-credit-reports.com/credit-score/credit-score-advice/your-credit-score-and-how-to-increase-it-215.php#comments</comments>
		<pubDate>Tue, 27 Oct 2009 11:41:16 +0000</pubDate>
		<dc:creator>George Hauser</dc:creator>
				<category><![CDATA[Credit Score Advice]]></category>

		<guid isPermaLink="false">http://www.free-credit-reports.com/credit-score/?p=215</guid>
		<description><![CDATA[Having problems with your low credit score? This might be the perfect time for you to get a credit score advice. No one is expecting you to know everything so it does not hurt to get an advice once in a while. Sometimes a low credit score is your own fault but it can also be the result of erroneous credit report. Whichever the case, you should know that a low credit score can make your life miserable because a ... (<a href="http://www.free-credit-reports.com/credit-score/credit-score-advice/your-credit-score-and-how-to-increase-it-215.php" rel="bookmark" title="Permanent Link to Your Credit Score and How to Increase It" class="more">more</a>) <span class="date">October 27, 2009</span>]]></description>
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