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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>
	<language>en</language>
			<item>
		<title>Credit Score Check &#124; Who&#039;s Been Checking Your Credit Score?</title>
		<link>http://aboutunderstandingmycreditscore.com/whos-checking-your-credit-score.html</link>
		<comments>http://aboutunderstandingmycreditscore.com/whos-checking-your-credit-score.html#comments</comments>
		<pubDate>Sat, 29 Mar 2008 22:06:05 +0000</pubDate>
		<dc:creator>PapaJoe</dc:creator>
		
	<dc:subject>Credit Score News</dc:subject>
	<dc:subject>Credit Score Check</dc:subject><dc:subject>Credit Score Check</dc:subject><dc:subject>Credit Score News</dc:subject><dc:subject>how to raise your credit score</dc:subject><dc:subject>understanding credit score</dc:subject><dc:subject>your credit score</dc:subject>
		<guid isPermaLink="false">http://aboutunderstandingmycreditscore.com/whos-checking-your-credit-score.html</guid>
		<description><![CDATA[ You may already know that your credit score can tell a lot about you.  But, did you know that it&#039;s perfectly legal for perspective employers to refuse to hire you for a job if you have a low credit score?
A survey conducted by VISA USA found that about 80% of Americans didn&#039;t know [...]]]></description>
		<wfw:commentRSS>http://aboutunderstandingmycreditscore.com/whos-checking-your-credit-score.html/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Understanding Your Credit Score:  Getting a Handle on Your Credit Score</title>
		<link>http://aboutunderstandingmycreditscore.com/getting-a-handle-on-your-credit-score.html</link>
		<comments>http://aboutunderstandingmycreditscore.com/getting-a-handle-on-your-credit-score.html#comments</comments>
		<pubDate>Wed, 21 Mar 2007 20:13:02 +0000</pubDate>
		<dc:creator>PapaJoe</dc:creator>
		
	<dc:subject>Understanding Your Credit Score</dc:subject><dc:subject>credit score help</dc:subject><dc:subject>loans 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>UnderstandingCreditScore</dc:subject>
		<guid isPermaLink="false">http://aboutunderstandingmycreditscore.com/getting-a-handle-on-your-credit-score.html</guid>
		<description><![CDATA[ True or False.
The Financial Planning Association lists &#034;getting a handle on your credit  score&#034; as one of their 5 tips to follow to get your financial affairs in order.
True
The association does recommend you get a handle on your credit score because  the higher your score the more likely it is you will [...]]]></description>
		<wfw:commentRSS>http://aboutunderstandingmycreditscore.com/getting-a-handle-on-your-credit-score.html/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Understanding Your Credit Score &#124; Canceling Credit Cards Affects Your Credit Score</title>
		<link>http://aboutunderstandingmycreditscore.com/canceling-credit-cards.html</link>
		<comments>http://aboutunderstandingmycreditscore.com/canceling-credit-cards.html#comments</comments>
		<pubDate>Fri, 09 Mar 2007 03:56:46 +0000</pubDate>
		<dc:creator>PapaJoe</dc:creator>
		
	<dc:subject>Understanding Your Credit Score</dc:subject><dc:subject>credit score help</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/canceling-credit-cards.html</guid>
		<description><![CDATA[ True or False?
I have credit cards that I never use.  I want to cancel them to reduce  my risk of losing them and to reduce my risk of identify theft.  What I  cancel can affect my credit score.
True.
Canceling credit cards can have a negative effect on your credit score  [...]]]></description>
		<wfw:commentRSS>http://aboutunderstandingmycreditscore.com/canceling-credit-cards.html/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Understanding Credit Score - FICO Credit Score Factors</title>
		<link>http://aboutunderstandingmycreditscore.com/fico-credit-score-factors.html</link>
		<comments>http://aboutunderstandingmycreditscore.com/fico-credit-score-factors.html#comments</comments>
		<pubDate>Sun, 04 Mar 2007 04:07:48 +0000</pubDate>
		<dc:creator>PapaJoe</dc:creator>
		
	<dc:subject>Understanding Credit Score</dc:subject><dc:subject>credit report</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>loans 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/fico-credit-score-factors.html</guid>
		<description><![CDATA[ True or False?
Once I have all of the information from my credit report, I still cannot  calculate my own credit score.
True.
The Fair Isaac Corp., which designed the FICO score, has issued guidelines  regarding which factors are included in your credit score.
These are:


35% for Payment History


30% for Amount Owed


15% for Length of Credit [...]]]></description>
		<wfw:commentRSS>http://aboutunderstandingmycreditscore.com/fico-credit-score-factors.html/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Understanding Credit Score - Universal Default</title>
		<link>http://aboutunderstandingmycreditscore.com/universal-default.html</link>
		<comments>http://aboutunderstandingmycreditscore.com/universal-default.html#comments</comments>
		<pubDate>Thu, 08 Feb 2007 04:22:26 +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>understanding credit score</dc:subject><dc:subject>understanding my credit score</dc:subject><dc:subject>understanding your credit score</dc:subject><dc:subject>universal default</dc:subject>
		<guid isPermaLink="false">http://aboutunderstandingmycreditscore.com/universal-default.html</guid>
		<description><![CDATA[ True or False?
I pay my MasterCard bill on time every month, therefore they cannot contractually raise  my interest rate.
This is False if there&#039;s a provision in my contract called Universal Default.   Quite simply it states, &#034;If you fall behind on any payment in any account they  can consider it falling [...]]]></description>
		<wfw:commentRSS>http://aboutunderstandingmycreditscore.com/universal-default.html/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Understanding Credit Score - Free Credit Score</title>
		<link>http://aboutunderstandingmycreditscore.com/free-credit-score.html</link>
		<comments>http://aboutunderstandingmycreditscore.com/free-credit-score.html#comments</comments>
		<pubDate>Thu, 01 Feb 2007 05:35:35 +0000</pubDate>
		<dc:creator>PapaJoe</dc:creator>
		
	<dc:subject>Understanding Credit Score</dc:subject><dc:subject>free credit score</dc:subject><dc:subject>understanding credit score</dc:subject>
		<guid isPermaLink="false">http://aboutunderstandingmycreditscore.com/free-credit-score.html</guid>
		<description><![CDATA[ True or False?
According to federal law, I can get my credit score free once a year from the three major credit bureaus.
False.
Trick question.  Federal law states that you can get a copy of your  credit report free once a year - NOT your credit score.
If you want  your credit score, you [...]]]></description>
		<wfw:commentRSS>http://aboutunderstandingmycreditscore.com/free-credit-score.html/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Understanding Credit Score - Credit Score Discrimination?</title>
		<link>http://aboutunderstandingmycreditscore.com/credit-score-discrimination.html</link>
		<comments>http://aboutunderstandingmycreditscore.com/credit-score-discrimination.html#comments</comments>
		<pubDate>Tue, 30 Jan 2007 01:32:30 +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>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-score-discrimination.html</guid>
		<description><![CDATA[ True or False?
It is against the law when it comes to credit to discriminate against me  because of my gender.
True.
Federal law prevents the credit industry from discriminating against you  because of your gender, national origin, age, marital status, or the receipt of  public assistance.
However, federal law does not specify what factors [...]]]></description>
		<wfw:commentRSS>http://aboutunderstandingmycreditscore.com/credit-score-discrimination.html/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Understanding Credit Score - Credit Approval</title>
		<link>http://aboutunderstandingmycreditscore.com/credit-approval.html</link>
		<comments>http://aboutunderstandingmycreditscore.com/credit-approval.html#comments</comments>
		<pubDate>Tue, 16 Jan 2007 06:03:08 +0000</pubDate>
		<dc:creator>PapaJoe</dc:creator>
		
	<dc:subject>Understanding Credit Score</dc:subject><dc:subject>understanding credit score</dc:subject>
		<guid isPermaLink="false">http://aboutunderstandingmycreditscore.com/credit-approval.html</guid>
		<description><![CDATA[ True or False?
Even if my credit score is good enough to get credit approval, I still need to be  concerned about my FICO credit score level.
True.
In addition to approval, the lender can use your credit score to determine  the interest rate charged for your credit card, car loan, mortgage, etc.   [...]]]></description>
		<wfw:commentRSS>http://aboutunderstandingmycreditscore.com/credit-approval.html/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Understanding Credit Score - Applying For A Mortgage</title>
		<link>http://aboutunderstandingmycreditscore.com/applying-for-a-mortgage.html</link>
		<comments>http://aboutunderstandingmycreditscore.com/applying-for-a-mortgage.html#comments</comments>
		<pubDate>Tue, 09 Jan 2007 05:12:37 +0000</pubDate>
		<dc:creator>PapaJoe</dc:creator>
		
	<dc:subject>Understanding Credit Score</dc:subject><dc:subject>credit score ratings</dc:subject><dc:subject>credit score reports</dc:subject><dc:subject>Equifax</dc:subject><dc:subject>Experian</dc:subject><dc:subject>fico</dc:subject><dc:subject>fico credit score</dc:subject><dc:subject>loans credit score</dc:subject><dc:subject>TransUnion</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/applying-for-a-mortgage.html</guid>
		<description><![CDATA[ True or False?
I&#039;m about ready to apply for a mortgage so I got my credit report and credit  score from Experian, the credit reporting bureau.  So now I have the exact  same information that the lender will use when I apply for my mortgage.
False.
There are three credit reporting bureaus, Equifax, Experian [...]]]></description>
		<wfw:commentRSS>http://aboutunderstandingmycreditscore.com/applying-for-a-mortgage.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>
		</item>
		<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>
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		<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>
		</item>
		<item>
		<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>
		</item>
		<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>
		</item>
		<item>
		<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>
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