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    <title><![CDATA[Go Banking Rates: Credit]]></title>
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    <description><![CDATA[The latest credit information and news]]></description>
    <pubDate>Fri, 20 Nov 2009 15:40:21 -0600</pubDate>
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      <title><![CDATA[Go Banking Rates: Credit]]></title>
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      <title><![CDATA[How a Bad Credit Report Can Affect Your Life]]></title>
      <link>http://www.gobankingrates.com/credit/how-a-bad-credit-report-can-ruin-your-life/</link>
      <description><![CDATA[For better or for worse, much of modern American life takes place thanks to credit. It's how millions of people go on memorable trips and vacations. It's how young families put down roots, in the form of mortgage loans for their new dream-house. It's how ...]]></description>
      <pubDate>Fri, 20 Nov 2009 05:46:58 -0600</pubDate>
    </item>
    <item>
      <title><![CDATA[How to Avoid a Charge Off]]></title>
      <link>http://www.gobankingrates.com/credit/how-to-claim-a-charge-off/</link>
      <description><![CDATA[A charge off is the bane of any credit report. A charge off, the credit industry's term for a delinquent account that will not be repaid, gets sent to the big credit reporting bureaus and lowers a person's credit score by a significant amount.
Any lender ...]]></description>
      <pubDate>Sat, 14 Nov 2009 05:49:08 -0600</pubDate>
    </item>
    <item>
      <title><![CDATA[Don't Wait to Repair Your Credit]]></title>
      <link>http://www.gobankingrates.com/credit/repair-your-credit-before-its-too-late/</link>
      <description><![CDATA[For better or for worse, American society is geared towards shopping, shopping, and more shopping.
Whether it's for cars, clothing or gadgets, we're urged to spend as much as we can on stuff we're told we need. For many people - especially people with cre...]]></description>
      <pubDate>Thu, 12 Nov 2009 15:06:03 -0600</pubDate>
    </item>
    <item>
      <title><![CDATA[Get Ready to Pay for Your Bad Credit Report]]></title>
      <link>http://www.gobankingrates.com/credit/get-ready-to-pay-for-your-bad-credit-report/</link>
      <description><![CDATA[Money is, for most people, one of the biggest issues in their lives. It's all about how much you make, how much you spend, what you have, how much you have saved. Thinking, worrying, stressing, planning, hoping and dreaming about money take up a huge perc...]]></description>
      <pubDate>Tue, 03 Nov 2009 10:32:55 -0600</pubDate>
    </item>
    <item>
      <title><![CDATA[How Does Debt Repair Really Work?]]></title>
      <link>http://www.gobankingrates.com/credit/how-does-debt-repair-really-work/</link>
      <description><![CDATA[
We've been getting a lot of questions about how debt repair really works. Sometimes, it can be tough to know exactly how to get out of debt, so we asked a company, Simplified Debt Solutions, to give us the 411.
Understanding Your Debt
Often times, we acc...]]></description>
      <pubDate>Fri, 16 Oct 2009 10:48:52 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[9 Steps to Help Kids Establish Credit]]></title>
      <link>http://www.gobankingrates.com/credit/how-to-help-kids-establish-credit/</link>
      <description><![CDATA[Learn how you can help your kids to establish good credit early on.]]></description>
      <pubDate>Fri, 16 Oct 2009 08:49:48 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[2009 National Protect Your Identity Week (PYIW) - October 17-24]]></title>
      <link>http://www.gobankingrates.com/credit/2009-national-protect-your-identity-week-pyiw-october-17-24/</link>
      <description><![CDATA[This special week was created to bring awareness to identity theft by offering hundreds of educational events, including workshops, onsite shredding, and credit report reviews at various sites around the country.]]></description>
      <pubDate>Thu, 15 Oct 2009 09:40:40 -0500</pubDate>
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    <item>
      <title><![CDATA[Can't Bring Yourself to Check Your Credit?]]></title>
      <link>http://www.gobankingrates.com/credit/cant-bring-yourself-to-check-your-credit/</link>
      <description><![CDATA[Temptations are everywhere, right? Unfortunately, these temptations seduce many people into living beyond their means - way beyond. The result is debt, serious financial problems and misery, and a thoroughly bruised and battered credit report that prevent them from borrowing money ever again - no matter how badly they need it.]]></description>
      <pubDate>Mon, 12 Oct 2009 13:12:44 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Credit Card Debt Can Spiral Out of Control]]></title>
      <link>http://www.gobankingrates.com/credit/credit-card-debt-affects-every-area-of-your-life/</link>
      <description><![CDATA[Many people, when they first get a credit card, tell themselves that they can handle the temptation that their credit cards represent. They firmly believe that there's no way they'll let themselves get into trouble with one - and then they get to the stor...]]></description>
      <pubDate>Fri, 09 Oct 2009 13:12:33 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[What's Changing with FICO Scores]]></title>
      <link>http://www.gobankingrates.com/credit/credit-crunch-impacting-fico-scores/</link>
      <description><![CDATA[Any active consumer knows the impact their FICO score can have on the interest rates they have to pay when borrowing money. Even those who have stellar credit histories are experiencing declines in their FICO scores due to a decrease in the total amount o...]]></description>
      <pubDate>Thu, 08 Oct 2009 13:04:57 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Calling Creditors to Negotiate Lower Debts and Interest Rates]]></title>
      <link>http://www.gobankingrates.com/debt/calling-creditors-to-negotiate-lower-debts-and-interest-rates/</link>
      <description><![CDATA[If you are currently in an unstable financial position, use your communication skills to negotiate with your creditors on lowering your debts and/or interest rates. Just making the effort to work with your lenders to reduce your debt will save yourself lots of stress.]]></description>
      <pubDate>Thu, 08 Oct 2009 09:29:47 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[FICO '08 and You!]]></title>
      <link>http://www.gobankingrates.com/credit/fico-08-and-you/</link>
      <description><![CDATA[In the prior year, it was previously announced that there would be revisions to how the FICO scoring system would change and that consumers should brace themselves for the new changes.]]></description>
      <pubDate>Tue, 06 Oct 2009 07:00:22 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Getting Your Credit Report and Credit Score]]></title>
      <link>http://www.gobankingrates.com/credit/getting-your-credit-report-and-credit-score/</link>
      <description><![CDATA[If you're wondering about your creditworthiness, and want to see what lenders and credit bureaus think of you and your financial picture, you will probably want to see your credit score and credit history. Getting your credit score and credit history is easy; however, you need to be careful from who and where you are getting your credit report from.]]></description>
      <pubDate>Mon, 05 Oct 2009 07:00:09 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Multiple Checking Accounts and Your FICO Score]]></title>
      <link>http://www.gobankingrates.com/banking/checking-accounts/multiple-checking-accounts-and-your-fico-score/</link>
      <description><![CDATA[ Everyone should have at least one checking account to their name and in some cases multiple accounts are perfectly fine. However, to ensure that all your checking accounts have no negative impact on your ability to get loans, you must take proactive measures to ensure that you manage your checking accounts accordingly.]]></description>
      <pubDate>Mon, 05 Oct 2009 07:00:05 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Reducing the Number for Creditors Through Debt Consolidation]]></title>
      <link>http://www.gobankingrates.com/debt/reducing-the-number-for-creditors-through-debt-consolidation/</link>
      <description><![CDATA[The biggest influence on your FICO credit score is your management of personal finances. If you spend more money than you make and are unable to pay off your credit card bills when they're due, you are certain to see your score going down. The lack financial responsibility will cost you a fortune when the time comes to get a mortgage loan, as you will be subject to the highest interest rates; that is, if you are able to secure a loan at all. If you are finding it incredibly difficult to manage the sheer amount of debt you accumulated, then the debt consolidation may indeed help you out.
]]></description>
      <pubDate>Sun, 04 Oct 2009 17:04:04 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[10 Ways to Boost Your Credit ]]></title>
      <link>http://www.gobankingrates.com/credit/10-ways-to-boost-your-credit/</link>
      <description><![CDATA[Most American average at 723 on their credit score. The higher the credit rating, the better the interest rates on your credit cards, car loans and your mortgage loans as well. With the importance of your credit scores weighted so heavily it's important t...]]></description>
      <pubDate>Thu, 01 Oct 2009 09:11:38 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Protect the Unemployed from Abusive Credit Inquiries]]></title>
      <link>http://www.gobankingrates.com/credit/protect-the-unemployed-from-abusive-credit-inquiries/</link>
      <description><![CDATA[The practice of employers checking job applicants' credit before agreeing to hire them for a position is becoming more common than ever - and in many cases, is abusive. So why is it happening? Why are employers taking it upon themselves to check your credit as a way to decide whether they want to hire you? We'll take a look at this concept, as well as ways that you can protect yourself from this happening to you.]]></description>
      <pubDate>Wed, 30 Sep 2009 07:00:45 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[How Do Employers Run Credit Checks On Potential Employees?]]></title>
      <link>http://www.gobankingrates.com/credit/how-do-employers-run-credit-checks-on-potential-employees/</link>
      <description><![CDATA[Have you ever applied for a job only to discover later that the company ran a credit check on you, which may or may not have affected you being hired? If this has happened to you, you are not alone. Many companies are now taking it upon themselves to check your credit as a screening tool to determine whether you're a desirable employee. But how in the world are they doing it?]]></description>
      <pubDate>Tue, 29 Sep 2009 07:00:06 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Credit Property Insurance]]></title>
      <link>http://www.gobankingrates.com/credit/credit-property-insurance/</link>
      <description><![CDATA[Learn more about the four different types of credit property insurance and how it can save you if you become unemployed suddenly through no fault of your own.]]></description>
      <pubDate>Mon, 28 Sep 2009 11:44:51 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Involuntary Unemployment Credit Insurance]]></title>
      <link>http://www.gobankingrates.com/credit/involuntary-unemployment-credit-insurance/</link>
      <description><![CDATA[Involuntary unemployment credit insurance allows your policy to continue payments on certain items that are covered if you are unable to work, like houses.]]></description>
      <pubDate>Mon, 28 Sep 2009 11:43:13 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[What's the Difference Between a Hard Credit Check and a Soft Credit Check?]]></title>
      <link>http://www.gobankingrates.com/credit/whats-the-difference-between-a-hard-credit-check-and-a-soft-credit-check/</link>
      <description><![CDATA[If someone has ever requested to pull your credit report, it's likely that you were told that it would be a hard check or soft check, leaving you to wonder what the difference is between the two. There is a difference and it is something that should be understood before you allow someone to check your credit at all. So to help you differentiate, let's look more closely at what they are and how they can affect your credit report or credit score.]]></description>
      <pubDate>Mon, 28 Sep 2009 07:00:07 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[How to Build Credit While in College]]></title>
      <link>http://www.gobankingrates.com/credit/how-to-build-credit-while-in-college/</link>
      <description><![CDATA[You've probably heard all about responsible adults who have succumbed to bad credit through bad choices, and as a result have suffered immensely. As a college student, you are probably interested in ways to avoid unnecessary problems by making good choices early on. This is a great thing to do.]]></description>
      <pubDate>Sat, 26 Sep 2009 07:00:01 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Do I Need to Improve My Credit Report?]]></title>
      <link>http://www.gobankingrates.com/credit/improving-your-credit-report/</link>
      <description><![CDATA[A good credit report is vital when it comes to most aspects of your financial life. It can help you buy a house, apply for a credit card or lease a car. 
When your credit report is good, it can open all sorts of doors for you, helping to secure financing ...]]></description>
      <pubDate>Fri, 25 Sep 2009 15:32:12 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Facts About the 7-Year Reporting Period]]></title>
      <link>http://www.gobankingrates.com/credit/7-year-reporting-period/</link>
      <description><![CDATA[Whether you are trying to buy a car or apply for a mortgage, your credit report is a tool that lenders will use to evaluate your financial responsibility.
All of your employment and payment history is contained within your credit report.If you have had an...]]></description>
      <pubDate>Fri, 25 Sep 2009 13:44:51 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Getting a Used Car Loan During a Credit Crisis]]></title>
      <link>http://www.gobankingrates.com/auto-loans/getting-a-used-car-loan-during-a-credit-crisis/</link>
      <description><![CDATA[Our ongoing recession and credit crisis are tough for everyone, especially those trying to get their hands on a used car loan. Since so many people have blemishes on their credit reports, lenders used to be more forgiving of one or two items on the report. However, in tougher times, guidelines are stricter, which means it's more difficult than ever to get a loan. Here are some problems you might run into if you make an attempt nowadays ...]]></description>
      <pubDate>Fri, 25 Sep 2009 07:00:25 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[How to Dispute a Credit Report Through TransUnion]]></title>
      <link>http://www.gobankingrates.com/credit/how-to-dispute-a-credit-report-through-transunion/</link>
      <description><![CDATA[If you've looked at your TransUnion credit report and find that there is an item that appears to be incorrect, consider disputing that item. This credit bureau makes it simple to report any information that appears to be incorrect through a number of methods.]]></description>
      <pubDate>Fri, 25 Sep 2009 07:00:20 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[What is on My Credit Report?]]></title>
      <link>http://www.gobankingrates.com/credit/on-my-credit-report-employment-history-payment-history-inquiries-public-records/</link>
      <description><![CDATA[Your credit report contains a great deal of vital information. This information can be used by many different sources for a number of things, such as applying for a mortgage or leasing a car.
Credit bureaus provide information such as your employment hist...]]></description>
      <pubDate>Thu, 24 Sep 2009 15:52:22 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Differences Between Credit Reports and Credit Scores]]></title>
      <link>http://www.gobankingrates.com/credit/the-difference-between-a-credit-score-and-a-credit-report/</link>
      <description><![CDATA[America's obsession with credit has led to the development of a finely tuned industry that tracks, monitors, catalogs and scores it all. 
If you've got any form of credit, your payment history (or lack thereof) is reported to the major credit bureaus, as ...]]></description>
      <pubDate>Thu, 24 Sep 2009 09:03:57 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[How to Dispute a Credit Report Through Equifax]]></title>
      <link>http://www.gobankingrates.com/credit/how-to-dispute-a-credit-report-through-equifax/</link>
      <description><![CDATA[If you've walked through your Equifax credit report only to notice one or more errors, it's good to know that disputing the information is fast and easy. Whether you take on the dispute via the Internet or over the phone, by walking through the process, you can have the conduct and investigation to determine whether the information on your report is valid or not.]]></description>
      <pubDate>Thu, 24 Sep 2009 07:00:30 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[What is a Consumer Reporting Agency?]]></title>
      <link>http://www.gobankingrates.com/credit/what-is-a-cra-consumer-reporting-agency/</link>
      <description><![CDATA[Consumer Reporting Agencies, or "CRAs" for short, are companies that gather and provide detailed credit information on individual consumers. 
They are governed by the Fair Credit Reporting Act (FCRA) and primarily function as information clearinghouses pr...]]></description>
      <pubDate>Wed, 23 Sep 2009 16:56:29 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[3 Steps to Negotiating With Your Creditors]]></title>
      <link>http://www.gobankingrates.com/credit/what-are-some-negotiating-tips-if-i-have-bad-credit/</link>
      <description><![CDATA[If you've got bad credit, or credit that's less than perfect, the first thing you need to do is relax, and stop internalizing any negative feelings you might have about it. 
Plenty of people -- especially in these trying economic times -- have made credit...]]></description>
      <pubDate>Wed, 23 Sep 2009 09:40:06 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[How Credit Bureaus Sell Your Information]]></title>
      <link>http://www.gobankingrates.com/credit/what-information-do-credit-bureaus-sell/</link>
      <description><![CDATA[Your credit score is a powerful tool. It can help you lease an apartment, buy a home or obtain an insurance policy.
Your name, birth date, social security number and employment history are all contained in your credit history. Credit bureaus have the righ...]]></description>
      <pubDate>Wed, 23 Sep 2009 03:08:57 -0500</pubDate>
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      <title><![CDATA[How to Go About Disputing Erroneous Credit Reports]]></title>
      <link>http://www.gobankingrates.com/credit/how-to-go-about-disputing-erroneous-credit-reports/</link>
      <description><![CDATA[For the most part credit reports are pretty accurate, but there are times where you might find errors - if you do, it's important to learn how to go about disputing them. The good news is that the credit bureaus are used to individuals and businesses issuing complaints about inaccurate information, so it's not difficult to dispute your own errors. Let's look at how you can get it done:]]></description>
      <pubDate>Tue, 22 Sep 2009 07:00:52 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Basic Credit Repair Strategy and How to Go About Disputing]]></title>
      <link>http://www.gobankingrates.com/credit/basic-credit-repair-stategy-disputing/</link>
      <description><![CDATA[If you're needing to fix some of those incorrect items on your credit report, you'll be happy to know that there are ways to get it done. Now before you get too excited, you should know that any negative information on your report that is accurate can only be legally removed by the collector at their own discretion - anything not removed by them will generally sit for 7 - 10 years.]]></description>
      <pubDate>Mon, 21 Sep 2009 07:00:57 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[FAQ: Can Raising My Credit Card Limit Lower My Credit Score?]]></title>
      <link>http://www.gobankingrates.com/credit/raising-credit-card-limit-lower-credit-score/</link>
      <description><![CDATA[Raising your credit limit will not lower your FICO score, but will actually raise it in turn.]]></description>
      <pubDate>Sun, 20 Sep 2009 11:36:17 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[What are the Dangers of Credit Cards with PayPass?]]></title>
      <link>http://www.gobankingrates.com/credit/dangers-credit-cards-paypass/</link>
      <description><![CDATA[Learn more about credit cards with Paypass, and how the technology used can potentially increase credit card fraud.]]></description>
      <pubDate>Sat, 19 Sep 2009 11:25:11 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[What is the Fair Credit Reporting Act (FCRA)?]]></title>
      <link>http://www.gobankingrates.com/credit/what-is-the-fair-credit-reporting-act-fcra/</link>
      <description><![CDATA[The Fair Credit Reporting Act (FCRA) is an act of Congress that was passed into law initially in 1970, but has been amended several times since then. It is a federal law designed to protect consumers and help promote accuracy and privacy of consumer credi...]]></description>
      <pubDate>Fri, 18 Sep 2009 15:17:23 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[What Information is in My Credit Report?]]></title>
      <link>http://www.gobankingrates.com/credit/what-information-is-recorded-in-my-credit-report/</link>
      <description><![CDATA[The three credit bureaus - Experian, Equifax and Transunion - may differ in the way they format and present information, but in general, all credit reports must contain the same type of information and must exclude certain other types of information. 
Bas...]]></description>
      <pubDate>Fri, 18 Sep 2009 15:06:10 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Removing Negative Items from Your Credit Report]]></title>
      <link>http://www.gobankingrates.com/credit/how-long-will-it-take-for-negative-items-to-be-removed-from-my-credit-report/</link>
      <description><![CDATA[By making payments on time, not defaulting on any loans and adhering to all rules and regulations of all of your financial relationships, you can ensure a good credit score. Unfortunately, sometimes bad things can happen to good credit. If you have fallen...]]></description>
      <pubDate>Thu, 17 Sep 2009 13:13:14 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[7 Tips for Preventing Identity Theft]]></title>
      <link>http://www.gobankingrates.com/credit/tips-for-preventing-identity-theft/</link>
      <description><![CDATA[Here are 7 common sense steps you can take to prevent your identity from being stolen.]]></description>
      <pubDate>Thu, 17 Sep 2009 11:28:52 -0500</pubDate>
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