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	<title>Understanding Your Credit Score....      Ramblings by PapaJoe</title>
	<link>http://aboutunderstandingmycreditscore.com</link>
	<description>Credit Score Tips</description>
	<pubDate>Sun, 06 Apr 2008 05:12:10 +0000</pubDate>
	<generator>http://wordpress.org/?v=2.0.4</generator>
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			<item>
		<title>Personal Credit Score: How Good is My Credit Score?</title>
		<link>http://aboutunderstandingmycreditscore.com/personal-credit-score-how-good-is-my-credit-score.html</link>
		<comments>http://aboutunderstandingmycreditscore.com/personal-credit-score-how-good-is-my-credit-score.html#comments</comments>
		<pubDate>Sun, 07 Oct 2007 20:04:03 +0000</pubDate>
		<dc:creator>PapaJoe</dc:creator>
		
	<dc:subject>Personal Credit Score</dc:subject><dc:subject>credit score ratings</dc:subject><dc:subject>personal credit score</dc:subject>
		<guid isPermaLink="false">http://aboutunderstandingmycreditscore.com/personal-credit-score-how-good-is-my-credit-score.html</guid>
		<description><![CDATA[ Q  My credit score is 685.  Is that good?
A Yes, your score falls with the &#034;good&#034; range of a FICO credit score.   And you will probably be approved for a loan.  But you will probably have  to pay a higher interest rate than someone whose credit score falls [...]]]></description>
		<wfw:commentRSS>http://aboutunderstandingmycreditscore.com/personal-credit-score-how-good-is-my-credit-score.html/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Personal Credit Score: Vantage Credit Score</title>
		<link>http://aboutunderstandingmycreditscore.com/vantage-credit-score.html</link>
		<comments>http://aboutunderstandingmycreditscore.com/vantage-credit-score.html#comments</comments>
		<pubDate>Fri, 20 Jul 2007 02:10:47 +0000</pubDate>
		<dc:creator>PapaJoe</dc:creator>
		
	<dc:subject>Personal Credit Score</dc:subject><dc:subject>credit score reports</dc:subject><dc:subject>Equifax</dc:subject><dc:subject>Experian</dc:subject><dc:subject>fico credit score</dc:subject><dc:subject>personal credit score</dc:subject><dc:subject>TransUnion</dc:subject><dc:subject>vantage credit score</dc:subject>
		<guid isPermaLink="false">http://aboutunderstandingmycreditscore.com/vantage-credit-score.html</guid>
		<description><![CDATA[ The Vantage Credit Score is again making the news.  What is it?  It  is a credit score that has been developed by the three major credit bureaus:  Equifax, Experian and Trans Union.
It was designed by the bureaus to try to solve two problems.  One  problem was credit scores [...]]]></description>
		<wfw:commentRSS>http://aboutunderstandingmycreditscore.com/vantage-credit-score.html/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Understanding Credit Score - Late Credit Card Payment</title>
		<link>http://aboutunderstandingmycreditscore.com/late-credit-card-payment.html</link>
		<comments>http://aboutunderstandingmycreditscore.com/late-credit-card-payment.html#comments</comments>
		<pubDate>Sat, 06 Jan 2007 03:57:55 +0000</pubDate>
		<dc:creator>PapaJoe</dc:creator>
		
	<dc:subject>Understanding Credit Score</dc:subject><dc:subject>credit score help</dc:subject><dc:subject>credit score ratings</dc:subject><dc:subject>credit score reports</dc:subject><dc:subject>fico</dc:subject><dc:subject>fico credit score</dc:subject><dc:subject>loans credit score</dc:subject><dc:subject>personal credit score</dc:subject><dc:subject>understanding credit score</dc:subject><dc:subject>understanding my credit score</dc:subject><dc:subject>understanding your credit score</dc:subject>
		<guid isPermaLink="false">http://aboutunderstandingmycreditscore.com/late-credit-card-payment.html</guid>
		<description><![CDATA[ I missed a payment because I moved and one of my credit card bills was not  forwarded.  I know that the missed payment is going to have a negative  impact on my credit score and there is absolutely nothing I can do about it.
False.
There is one thing you can try.  [...]]]></description>
		<wfw:commentRSS>http://aboutunderstandingmycreditscore.com/late-credit-card-payment.html/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Understanding Credit Score - FICO Credit Score Range</title>
		<link>http://aboutunderstandingmycreditscore.com/fico-credit-score-range.html</link>
		<comments>http://aboutunderstandingmycreditscore.com/fico-credit-score-range.html#comments</comments>
		<pubDate>Fri, 05 Jan 2007 04:39:44 +0000</pubDate>
		<dc:creator>PapaJoe</dc:creator>
		
	<dc:subject>Understanding Credit Score</dc:subject><dc:subject>credit score help</dc:subject><dc:subject>credit score ratings</dc:subject><dc:subject>credit score reports</dc:subject><dc:subject>fico credit score</dc:subject><dc:subject>good credit score range</dc:subject><dc:subject>loans credit score</dc:subject><dc:subject>personal credit score</dc:subject><dc:subject>understanding credit score</dc:subject><dc:subject>understanding my credit score</dc:subject><dc:subject>understanding your credit score</dc:subject><dc:subject>what is a good credit score</dc:subject>
		<guid isPermaLink="false">http://aboutunderstandingmycreditscore.com/fico-credit-score-range.html</guid>
		<description><![CDATA[ True or False?
My credit score is 650 so I should be approved if I apply for credit?
True.
The range for FICO credit scores is 300 to 850.  The average FICO score  nationwide is 677.  At 650, you will probably get credit approved, but be  careful.  Because between the low 600&#039;s [...]]]></description>
		<wfw:commentRSS>http://aboutunderstandingmycreditscore.com/fico-credit-score-range.html/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Understanding Credit Score - Credit Report Errors</title>
		<link>http://aboutunderstandingmycreditscore.com/credit-report-errors.html</link>
		<comments>http://aboutunderstandingmycreditscore.com/credit-report-errors.html#comments</comments>
		<pubDate>Thu, 04 Jan 2007 04:44:04 +0000</pubDate>
		<dc:creator>PapaJoe</dc:creator>
		
	<dc:subject>Understanding Credit Score</dc:subject><dc:subject>credit score help</dc:subject><dc:subject>credit score reports</dc:subject><dc:subject>fico credit score</dc:subject><dc:subject>personal credit score</dc:subject><dc:subject>understanding credit score</dc:subject><dc:subject>understanding my credit score</dc:subject><dc:subject>understanding your credit score</dc:subject>
		<guid isPermaLink="false">http://aboutunderstandingmycreditscore.com/credit-report-errors.html</guid>
		<description><![CDATA[ True or False?
Even though I pay my bills on time, I still have to check my credit report at  least once a year?
True.
Errors on the credit report, especially errors indicating late payments or  defaulted credit can severely affect a credit score.  Most experts agree  that errors in credit reports are [...]]]></description>
		<wfw:commentRSS>http://aboutunderstandingmycreditscore.com/credit-report-errors.html/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Understanding Credit Score - Credit Counseling</title>
		<link>http://aboutunderstandingmycreditscore.com/credit-counseling-2.html</link>
		<comments>http://aboutunderstandingmycreditscore.com/credit-counseling-2.html#comments</comments>
		<pubDate>Wed, 03 Jan 2007 04:53:57 +0000</pubDate>
		<dc:creator>PapaJoe</dc:creator>
		
	<dc:subject>Understanding Credit Score</dc:subject><dc:subject>credit score help</dc:subject><dc:subject>credit score ratings</dc:subject><dc:subject>credit score reports</dc:subject><dc:subject>fico credit score</dc:subject><dc:subject>loans credit score</dc:subject><dc:subject>personal credit score</dc:subject><dc:subject>understanding credit score</dc:subject><dc:subject>understanding my credit score</dc:subject><dc:subject>understanding your credit score</dc:subject><dc:subject>what is a good credit score</dc:subject><dc:subject>what is my credit score</dc:subject>
		<guid isPermaLink="false">http://aboutunderstandingmycreditscore.com/credit-counseling-2.html</guid>
		<description><![CDATA[ True or False?
Getting a credit counseling service to help you out of your  financial problems will have NO impact on your credit score?
True.
Most credit counseling services are part of some non-profit organization.   They offer an assessment of your situation, tools and education to manage your  finances, i.e. budgets, and they [...]]]></description>
		<wfw:commentRSS>http://aboutunderstandingmycreditscore.com/credit-counseling-2.html/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Understanding Credit Score - Soft Credit Score Inquiries</title>
		<link>http://aboutunderstandingmycreditscore.com/soft-credit-score-inquiries.html</link>
		<comments>http://aboutunderstandingmycreditscore.com/soft-credit-score-inquiries.html#comments</comments>
		<pubDate>Mon, 18 Dec 2006 05:46:58 +0000</pubDate>
		<dc:creator>PapaJoe</dc:creator>
		
	<dc:subject>Understanding Credit Score</dc:subject><dc:subject>credit score help</dc:subject><dc:subject>credit score ratings</dc:subject><dc:subject>credit score reports</dc:subject><dc:subject>fico credit score</dc:subject><dc:subject>good credit score range</dc:subject><dc:subject>loans credit score</dc:subject><dc:subject>personal credit score</dc:subject><dc:subject>understanding credit score</dc:subject><dc:subject>understanding my credit score</dc:subject><dc:subject>understanding your credit score</dc:subject>
		<guid isPermaLink="false">http://aboutunderstandingmycreditscore.com/soft-credit-score-inquiries.html</guid>
		<description><![CDATA[ True or False?
You have no business relationship with this credit institution, but ABC Bank  can pull your credit report without your approval?
True.
Credit institutions can pull your credit report without your approval.   The logic here is they are reviewing your credit to determine if they want to  market financial products to [...]]]></description>
		<wfw:commentRSS>http://aboutunderstandingmycreditscore.com/soft-credit-score-inquiries.html/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Understanding Credit Score - Will Paying Off Your Debt Raise Your Credit Score?</title>
		<link>http://aboutunderstandingmycreditscore.com/will-paying-off-your-debt-raise-your-credit-score.html</link>
		<comments>http://aboutunderstandingmycreditscore.com/will-paying-off-your-debt-raise-your-credit-score.html#comments</comments>
		<pubDate>Sat, 16 Dec 2006 05:32:18 +0000</pubDate>
		<dc:creator>PapaJoe</dc:creator>
		
	<dc:subject>Understanding Credit Score</dc:subject><dc:subject>credit score help</dc:subject><dc:subject>credit score ratings</dc:subject><dc:subject>credit score reports</dc:subject><dc:subject>fico credit score</dc:subject><dc:subject>good credit score range</dc:subject><dc:subject>loans credit score</dc:subject><dc:subject>personal credit score</dc:subject><dc:subject>understanding credit score</dc:subject><dc:subject>understanding my credit score</dc:subject><dc:subject>understanding your credit score</dc:subject>
		<guid isPermaLink="false">http://aboutunderstandingmycreditscore.com/will-paying-off-your-debt-raise-your-credit-score.html</guid>
		<description><![CDATA[ While perusing the internet I ran across a true and false quiz regarding  credit scores.  As strange as it may sound, I found taking the quiz to be  fun.  So let&#039;s have some fun.
True or False
Your embarrassing credit score can be fixed by paying off your debt?
False.
Paying off your debt [...]]]></description>
		<wfw:commentRSS>http://aboutunderstandingmycreditscore.com/will-paying-off-your-debt-raise-your-credit-score.html/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Understanding Credit Score - Plan to Fix Credit Score</title>
		<link>http://aboutunderstandingmycreditscore.com/plan-to-fix-credit-score.html</link>
		<comments>http://aboutunderstandingmycreditscore.com/plan-to-fix-credit-score.html#comments</comments>
		<pubDate>Tue, 12 Dec 2006 05:47:39 +0000</pubDate>
		<dc:creator>PapaJoe</dc:creator>
		
	<dc:subject>Understanding Credit Score</dc:subject><dc:subject>credit score help</dc:subject><dc:subject>credit score ratings</dc:subject><dc:subject>credit score reports</dc:subject><dc:subject>fico credit score</dc:subject><dc:subject>good credit score range</dc:subject><dc:subject>loans credit score</dc:subject><dc:subject>personal credit score</dc:subject><dc:subject>understanding credit score</dc:subject><dc:subject>understanding my credit score</dc:subject><dc:subject>understanding your credit score</dc:subject>
		<guid isPermaLink="false">http://aboutunderstandingmycreditscore.com/plan-to-fix-credit-score.html</guid>
		<description><![CDATA[ Recently I was approached and asked to help design a plan to help fix this  person&#039;s credit score.  He told me his credit score recently dropped from  the mid-700&#039;s to under 600.  The financial situation that caused this has  been resolved and his goal now is to fix his [...]]]></description>
		<wfw:commentRSS>http://aboutunderstandingmycreditscore.com/plan-to-fix-credit-score.html/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Understanding Credit Score - HELCO and Your Credit Score</title>
		<link>http://aboutunderstandingmycreditscore.com/helco-and-your-credit-score.html</link>
		<comments>http://aboutunderstandingmycreditscore.com/helco-and-your-credit-score.html#comments</comments>
		<pubDate>Sat, 09 Dec 2006 04:20:38 +0000</pubDate>
		<dc:creator>PapaJoe</dc:creator>
		
	<dc:subject>Understanding Credit Score</dc:subject><dc:subject>credit score help</dc:subject><dc:subject>credit score ratings</dc:subject><dc:subject>credit score reports</dc:subject><dc:subject>fico credit score</dc:subject><dc:subject>loans credit score</dc:subject><dc:subject>personal credit score</dc:subject><dc:subject>understanding credit score</dc:subject><dc:subject>understanding my credit score</dc:subject><dc:subject>understanding your credit score</dc:subject>
		<guid isPermaLink="false">http://aboutunderstandingmycreditscore.com/helco-and-your-credit-score.html</guid>
		<description><![CDATA[ The question we&#039;re looking at today is, &#034;Is it a good thing for my credit  report to consolidate my credit cards with a HELCO?&#034;  The answer, which seems to  be a common answer when it comes to credit score, is &#034;it depends&#034;.  First,  it&#039;s important to note that from [...]]]></description>
		<wfw:commentRSS>http://aboutunderstandingmycreditscore.com/helco-and-your-credit-score.html/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Understanding Credit Score - Financial Trouble?</title>
		<link>http://aboutunderstandingmycreditscore.com/financial-trouble.html</link>
		<comments>http://aboutunderstandingmycreditscore.com/financial-trouble.html#comments</comments>
		<pubDate>Fri, 08 Dec 2006 04:44:06 +0000</pubDate>
		<dc:creator>PapaJoe</dc:creator>
		
	<dc:subject>Understanding Credit Score</dc:subject><dc:subject>credit score help</dc:subject><dc:subject>credit score ratings</dc:subject><dc:subject>credit score reports</dc:subject><dc:subject>fico credit score</dc:subject><dc:subject>good credit score range</dc:subject><dc:subject>loans credit score</dc:subject><dc:subject>personal credit score</dc:subject><dc:subject>understanding credit score</dc:subject><dc:subject>understanding my credit score</dc:subject><dc:subject>understanding your credit score</dc:subject>
		<guid isPermaLink="false">http://aboutunderstandingmycreditscore.com/financial-trouble.html</guid>
		<description><![CDATA[ If you currently are or have ever been in financial trouble and are trying to regroup, it  may seem like an insurmountable task.  However, if you have a plan with some  direction, it may help.  If you have been denied credit, this direction  could come from your credit report.
Whenever [...]]]></description>
		<wfw:commentRSS>http://aboutunderstandingmycreditscore.com/financial-trouble.html/feed/</wfw:commentRSS>
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		<item>
		<title>Understanding Credit Score - What&#039;s in Your Credit Report?</title>
		<link>http://aboutunderstandingmycreditscore.com/whats-in-your-credit-report-2.html</link>
		<comments>http://aboutunderstandingmycreditscore.com/whats-in-your-credit-report-2.html#comments</comments>
		<pubDate>Wed, 06 Dec 2006 05:22:20 +0000</pubDate>
		<dc:creator>PapaJoe</dc:creator>
		
	<dc:subject>Understanding Credit Score</dc:subject><dc:subject>credit score help</dc:subject><dc:subject>credit score ratings</dc:subject><dc:subject>credit score reports</dc:subject><dc:subject>fico credit score</dc:subject><dc:subject>good credit score range</dc:subject><dc:subject>loans credit score</dc:subject><dc:subject>personal credit score</dc:subject><dc:subject>understanding credit score</dc:subject><dc:subject>understanding my credit score</dc:subject><dc:subject>understanding your credit score</dc:subject><dc:subject>what is my credit score</dc:subject>
		<guid isPermaLink="false">http://aboutunderstandingmycreditscore.com/whats-in-your-credit-report-2.html</guid>
		<description><![CDATA[ Recently a former employee stopped by to say, &#034;hello&#034;.  He worked for me  while putting himself through college.  He graduated in June and got a job  teaching.  When he asked what I was up to, I mentioned this blog.  He  stated that he wasn&#039;t worried about his [...]]]></description>
		<wfw:commentRSS>http://aboutunderstandingmycreditscore.com/whats-in-your-credit-report-2.html/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>FICO Credit Score Myths</title>
		<link>http://aboutunderstandingmycreditscore.com/fico-credit-score-myths.html</link>
		<comments>http://aboutunderstandingmycreditscore.com/fico-credit-score-myths.html#comments</comments>
		<pubDate>Fri, 01 Dec 2006 04:39:48 +0000</pubDate>
		<dc:creator>PapaJoe</dc:creator>
		
	<dc:subject>Credit Score Articles</dc:subject><dc:subject>Credit Score Articles</dc:subject><dc:subject>credit score help</dc:subject><dc:subject>credit score ratings</dc:subject><dc:subject>fico credit score</dc:subject><dc:subject>good credit score range</dc:subject><dc:subject>loans credit score</dc:subject><dc:subject>personal credit score</dc:subject><dc:subject>understanding credit score</dc:subject><dc:subject>understanding my credit score</dc:subject><dc:subject>understanding your credit score</dc:subject><dc:subject>what is a good credit score</dc:subject><dc:subject>what is my credit score</dc:subject>
		<guid isPermaLink="false">http://aboutunderstandingmycreditscore.com/fico-credit-score-myths.html</guid>
		<description><![CDATA[ I think the biggest myth that the general population has about credit scores is  that it&#039;s based on a set formula.  That once you understand that formula,  you will be able to manage your score, and possibly calculate your score  yourself.  For example:  If I am late with [...]]]></description>
		<wfw:commentRSS>http://aboutunderstandingmycreditscore.com/fico-credit-score-myths.html/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Understanding Credit Score - Why Employers Access Your Credit Score</title>
		<link>http://aboutunderstandingmycreditscore.com/why-employers-access-your-credit-score.html</link>
		<comments>http://aboutunderstandingmycreditscore.com/why-employers-access-your-credit-score.html#comments</comments>
		<pubDate>Sun, 26 Nov 2006 04:17:51 +0000</pubDate>
		<dc:creator>PapaJoe</dc:creator>
		
	<dc:subject>Understanding Credit Score</dc:subject><dc:subject>credit score help</dc:subject><dc:subject>credit score ratings</dc:subject><dc:subject>credit score reports</dc:subject><dc:subject>fico credit score</dc:subject><dc:subject>good credit score range</dc:subject><dc:subject>loans credit score</dc:subject><dc:subject>personal credit score</dc:subject><dc:subject>understanding credit score</dc:subject><dc:subject>understanding my credit score</dc:subject><dc:subject>understanding your credit score</dc:subject>
		<guid isPermaLink="false">http://aboutunderstandingmycreditscore.com/why-employers-access-your-credit-score.html</guid>
		<description><![CDATA[ Here&#039;s one use of the credit score I haven&#039;t previously discussed.  It&#039;s  when the credit score is used by employers or potential employers.  Access  to your credit score or credit report by an employer or potential employer, is  the only one that requires your permission.  You have probably [...]]]></description>
		<wfw:commentRSS>http://aboutunderstandingmycreditscore.com/why-employers-access-your-credit-score.html/feed/</wfw:commentRSS>
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		<title>Understanding Credit Score - Credit Score Reminder</title>
		<link>http://aboutunderstandingmycreditscore.com/credit-score-reminder.html</link>
		<comments>http://aboutunderstandingmycreditscore.com/credit-score-reminder.html#comments</comments>
		<pubDate>Wed, 22 Nov 2006 04:20:11 +0000</pubDate>
		<dc:creator>PapaJoe</dc:creator>
		
	<dc:subject>Understanding Credit Score</dc:subject><dc:subject>credit score help</dc:subject><dc:subject>credit score ratings</dc:subject><dc:subject>credit score reports</dc:subject><dc:subject>fico credit score</dc:subject><dc:subject>loans credit score</dc:subject><dc:subject>personal credit score</dc:subject><dc:subject>understanding credit score</dc:subject><dc:subject>understanding my credit score</dc:subject><dc:subject>understanding your credit score</dc:subject><dc:subject>what is a good credit score</dc:subject><dc:subject>what is my credit score</dc:subject>
		<guid isPermaLink="false">http://aboutunderstandingmycreditscore.com/credit-score-reminder.html</guid>
		<description><![CDATA[ Just a quick reminder about your credit score.  The reminder is it&#039;s  YOUR credit score and managing it is your responsibility.  You are the one  who will benefit from a high score or pay dearly for a low score.
This reminder is the result of what happened to two of my [...]]]></description>
		<wfw:commentRSS>http://aboutunderstandingmycreditscore.com/credit-score-reminder.html/feed/</wfw:commentRSS>
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		<item>
		<title>Understanding Credit Score - Credit Approval Process</title>
		<link>http://aboutunderstandingmycreditscore.com/credit-approval-process.html</link>
		<comments>http://aboutunderstandingmycreditscore.com/credit-approval-process.html#comments</comments>
		<pubDate>Tue, 21 Nov 2006 04:27:20 +0000</pubDate>
		<dc:creator>PapaJoe</dc:creator>
		
	<dc:subject>Understanding Credit Score</dc:subject><dc:subject>credit score help</dc:subject><dc:subject>credit score ratings</dc:subject><dc:subject>credit score reports</dc:subject><dc:subject>fico credit score</dc:subject><dc:subject>loans credit score</dc:subject><dc:subject>personal credit score</dc:subject><dc:subject>understanding credit score</dc:subject><dc:subject>understanding my credit score</dc:subject><dc:subject>understanding your credit score</dc:subject>
		<guid isPermaLink="false">http://aboutunderstandingmycreditscore.com/credit-approval-process.html</guid>
		<description><![CDATA[ When it comes to the use of the credit score in the credit approval process  there appears to be two different kinds of approval processes.  In one of  them, the credit score, and the credit score alone, is used for approval and  setting the interest rate.  This is how [...]]]></description>
		<wfw:commentRSS>http://aboutunderstandingmycreditscore.com/credit-approval-process.html/feed/</wfw:commentRSS>
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		<title>Understanding Credit Score - Tips for Holiday Shopping</title>
		<link>http://aboutunderstandingmycreditscore.com/tips-for-holiday-shopping.html</link>
		<comments>http://aboutunderstandingmycreditscore.com/tips-for-holiday-shopping.html#comments</comments>
		<pubDate>Mon, 20 Nov 2006 04:41:03 +0000</pubDate>
		<dc:creator>PapaJoe</dc:creator>
		
	<dc:subject>Understanding Credit Score</dc:subject><dc:subject>credit score help</dc:subject><dc:subject>credit score ratings</dc:subject><dc:subject>credit score reports</dc:subject><dc:subject>fico credit score</dc:subject><dc:subject>good credit score range</dc:subject><dc:subject>loans credit score</dc:subject><dc:subject>personal credit score</dc:subject><dc:subject>understanding credit score</dc:subject><dc:subject>understanding my credit score</dc:subject><dc:subject>understanding your credit score</dc:subject>
		<guid isPermaLink="false">http://aboutunderstandingmycreditscore.com/tips-for-holiday-shopping.html</guid>
		<description><![CDATA[ There&#039;s some keys to holiday shopping that could affect your credit score.   One basic rule is to make sure you go into the holiday with a budget.  How  much are you going to spend in total or how much are you going to spend on each  person on your [...]]]></description>
		<wfw:commentRSS>http://aboutunderstandingmycreditscore.com/tips-for-holiday-shopping.html/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Understanding Credit Score - Personal Financial Plan</title>
		<link>http://aboutunderstandingmycreditscore.com/personal-financial-plan.html</link>
		<comments>http://aboutunderstandingmycreditscore.com/personal-financial-plan.html#comments</comments>
		<pubDate>Mon, 20 Nov 2006 02:56:05 +0000</pubDate>
		<dc:creator>PapaJoe</dc:creator>
		
	<dc:subject>Understanding Credit Score</dc:subject><dc:subject>credit score help</dc:subject><dc:subject>credit score ratings</dc:subject><dc:subject>credit score reports</dc:subject><dc:subject>fico credit score</dc:subject><dc:subject>personal credit score</dc:subject><dc:subject>understanding credit score</dc:subject><dc:subject>understanding my credit score</dc:subject><dc:subject>understanding your credit score</dc:subject>
		<guid isPermaLink="false">http://aboutunderstandingmycreditscore.com/personal-financial-plan.html</guid>
		<description><![CDATA[ Managing your credit score is an important part of a personal financial plan.   The key word to this statement is the word, &#034;part&#034;.  There are times when  the different parts of your financial plan might conflict with each other.
Three parts of a financial plan could be:


Manage your credit score.


Keep the [...]]]></description>
		<wfw:commentRSS>http://aboutunderstandingmycreditscore.com/personal-financial-plan.html/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Understanding Credit Score - Holiday Season Credit Tips</title>
		<link>http://aboutunderstandingmycreditscore.com/holiday-season-credit-tips.html</link>
		<comments>http://aboutunderstandingmycreditscore.com/holiday-season-credit-tips.html#comments</comments>
		<pubDate>Thu, 16 Nov 2006 05:07:51 +0000</pubDate>
		<dc:creator>PapaJoe</dc:creator>
		
	<dc:subject>Understanding Credit Score</dc:subject><dc:subject>credit score help</dc:subject><dc:subject>credit score ratings</dc:subject><dc:subject>credit score reports</dc:subject><dc:subject>fico credit score</dc:subject><dc:subject>good credit score range</dc:subject><dc:subject>loans credit score</dc:subject><dc:subject>personal credit score</dc:subject><dc:subject>understanding credit score</dc:subject><dc:subject>understanding my credit score</dc:subject><dc:subject>understanding your credit score</dc:subject>
		<guid isPermaLink="false">http://aboutunderstandingmycreditscore.com/holiday-season-credit-tips.html</guid>
		<description><![CDATA[ The end of the year is coming which means the holiday season will soon be  upon us, followed closely by the new year.  Part of the new year is new  year&#039;s resolutions.  A lot of these new year resolutions will involve your  finances.  It could be that one [...]]]></description>
		<wfw:commentRSS>http://aboutunderstandingmycreditscore.com/holiday-season-credit-tips.html/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Understanding Credit Score - How Inquiries Affect Your Credit Score</title>
		<link>http://aboutunderstandingmycreditscore.com/how-inquiries-affect-your-credit-score.html</link>
		<comments>http://aboutunderstandingmycreditscore.com/how-inquiries-affect-your-credit-score.html#comments</comments>
		<pubDate>Thu, 16 Nov 2006 04:02:48 +0000</pubDate>
		<dc:creator>PapaJoe</dc:creator>
		
	<dc:subject>Understanding Credit Score</dc:subject><dc:subject>credit score help</dc:subject><dc:subject>credit score ratings</dc:subject><dc:subject>credit score reports</dc:subject><dc:subject>fico credit score</dc:subject><dc:subject>loans credit score</dc:subject><dc:subject>personal credit score</dc:subject><dc:subject>understanding credit score</dc:subject><dc:subject>understanding my credit score</dc:subject><dc:subject>understanding your credit score</dc:subject>
		<guid isPermaLink="false">http://aboutunderstandingmycreditscore.com/how-inquiries-affect-your-credit-score.html</guid>
		<description><![CDATA[ There is a widespread belief out there that checking your own credit report  will have a negative impact on your credit score.  There is a also a belief  that shopping for the best rate for a car loan or mortgage will result in a  large number of inquiries into your [...]]]></description>
		<wfw:commentRSS>http://aboutunderstandingmycreditscore.com/how-inquiries-affect-your-credit-score.html/feed/</wfw:commentRSS>
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		<title>Understanding Credit Score - Common Credit Reporting Practice Change</title>
		<link>http://aboutunderstandingmycreditscore.com/common-credit-reporting-practice-change.html</link>
		<comments>http://aboutunderstandingmycreditscore.com/common-credit-reporting-practice-change.html#comments</comments>
		<pubDate>Wed, 15 Nov 2006 05:42:45 +0000</pubDate>
		<dc:creator>PapaJoe</dc:creator>
		
	<dc:subject>Understanding Credit Score</dc:subject><dc:subject>credit score help</dc:subject><dc:subject>credit score ratings</dc:subject><dc:subject>credit score reports</dc:subject><dc:subject>fico credit score</dc:subject><dc:subject>loans credit score</dc:subject><dc:subject>personal credit score</dc:subject><dc:subject>understanding credit score</dc:subject><dc:subject>understanding my credit score</dc:subject><dc:subject>understanding your credit score</dc:subject>
		<guid isPermaLink="false">http://aboutunderstandingmycreditscore.com/common-credit-reporting-practice-change.html</guid>
		<description><![CDATA[ A subtle change is taking place nationwide, that you need to be aware of,  because it could affect your credit score.  In the past, when paying bills,  the common practice was to pay bills to credit institutions first because if you  got behind they would report you to the credit [...]]]></description>
		<wfw:commentRSS>http://aboutunderstandingmycreditscore.com/common-credit-reporting-practice-change.html/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Understanding Credit Score - Improving Your Credit Score</title>
		<link>http://aboutunderstandingmycreditscore.com/improving-your-credit-score-2.html</link>
		<comments>http://aboutunderstandingmycreditscore.com/improving-your-credit-score-2.html#comments</comments>
		<pubDate>Wed, 15 Nov 2006 04:34:12 +0000</pubDate>
		<dc:creator>PapaJoe</dc:creator>
		
	<dc:subject>Understanding Credit Score</dc:subject><dc:subject>credit score help</dc:subject><dc:subject>credit score ratings</dc:subject><dc:subject>credit score reports</dc:subject><dc:subject>loans credit score</dc:subject><dc:subject>personal credit score</dc:subject><dc:subject>understanding credit score</dc:subject><dc:subject>understanding my credit score</dc:subject><dc:subject>understanding your credit score</dc:subject>
		<guid isPermaLink="false">http://aboutunderstandingmycreditscore.com/improving-your-credit-score-2.html</guid>
		<description><![CDATA[ In the long term the only way to get a good credit score and keep it that  way, is to get it and then keep your spending in line and pay your bills on time.
In the short term there are a few things you can do, or try to do, to improve  [...]]]></description>
		<wfw:commentRSS>http://aboutunderstandingmycreditscore.com/improving-your-credit-score-2.html/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Understanding Credit Score - Is Your FICO Score Correct?</title>
		<link>http://aboutunderstandingmycreditscore.com/is-your-fico-score-correct.html</link>
		<comments>http://aboutunderstandingmycreditscore.com/is-your-fico-score-correct.html#comments</comments>
		<pubDate>Tue, 14 Nov 2006 05:41:36 +0000</pubDate>
		<dc:creator>PapaJoe</dc:creator>
		
	<dc:subject>Understanding Credit Score</dc:subject><dc:subject>credit score help</dc:subject><dc:subject>credit score ratings</dc:subject><dc:subject>credit score reports</dc:subject><dc:subject>fico credit score</dc:subject><dc:subject>personal credit score</dc:subject><dc:subject>understanding credit score</dc:subject><dc:subject>understanding my credit score</dc:subject><dc:subject>understanding your credit score</dc:subject>
		<guid isPermaLink="false">http://aboutunderstandingmycreditscore.com/is-your-fico-score-correct.html</guid>
		<description><![CDATA[ The most common misconception concerning credit scores is, &#034;I pay my  bills on time so I don&#039;t need to check my credit report or credit score.&#034;   This belief is based on the assumption that the information in your credit  report is accurate.  In most cases, this belief is wrong.
In [...]]]></description>
		<wfw:commentRSS>http://aboutunderstandingmycreditscore.com/is-your-fico-score-correct.html/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Understanding Credit Score - Credit Counseling</title>
		<link>http://aboutunderstandingmycreditscore.com/credit-counseling.html</link>
		<comments>http://aboutunderstandingmycreditscore.com/credit-counseling.html#comments</comments>
		<pubDate>Tue, 14 Nov 2006 04:58:30 +0000</pubDate>
		<dc:creator>PapaJoe</dc:creator>
		
	<dc:subject>Understanding Credit Score</dc:subject><dc:subject>credit score help</dc:subject><dc:subject>credit score ratings</dc:subject><dc:subject>credit score reports</dc:subject><dc:subject>fico credit score</dc:subject><dc:subject>personal credit score</dc:subject><dc:subject>understanding credit score</dc:subject><dc:subject>understanding my credit score</dc:subject><dc:subject>understanding your credit score</dc:subject>
		<guid isPermaLink="false">http://aboutunderstandingmycreditscore.com/credit-counseling.html</guid>
		<description><![CDATA[ A commonly asked question is &#034;If I&#039;ve gotten myself into financial trouble,  what happens to my credit score if I get help?&#034;  The first thing to  understand is the difference between talking with a credit counselor and  participating in a debt management program.  Attending a credit counselor&#039;s  educational [...]]]></description>
		<wfw:commentRSS>http://aboutunderstandingmycreditscore.com/credit-counseling.html/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Understanding Credit Score - 0% Interest Balance Transfer Offers</title>
		<link>http://aboutunderstandingmycreditscore.com/0-interest-balance-transfer-offers.html</link>
		<comments>http://aboutunderstandingmycreditscore.com/0-interest-balance-transfer-offers.html#comments</comments>
		<pubDate>Sun, 12 Nov 2006 04:26:37 +0000</pubDate>
		<dc:creator>PapaJoe</dc:creator>
		
	<dc:subject>Understanding Credit Score</dc:subject><dc:subject>credit score help</dc:subject><dc:subject>credit score ratings</dc:subject><dc:subject>loans credit score</dc:subject><dc:subject>personal credit score</dc:subject><dc:subject>understanding credit score</dc:subject><dc:subject>understanding my credit score</dc:subject><dc:subject>understanding your credit score</dc:subject>
		<guid isPermaLink="false">http://aboutunderstandingmycreditscore.com/0-interest-balance-transfer-offers.html</guid>
		<description><![CDATA[ Sometimes it seems like managing my credit score and managing my finances are  at odds with each other.  I think that&#039;s because they are.
A case in  point.  Every expert I&#039;ve read regarding managing a credit score has  recommended against moving money from one credit card to another one using [...]]]></description>
		<wfw:commentRSS>http://aboutunderstandingmycreditscore.com/0-interest-balance-transfer-offers.html/feed/</wfw:commentRSS>
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