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	<title>My Free Credit Report</title>
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	<description>Get Your Free Credit Score Online Today</description>
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		<title>Credit Scores Explained</title>
		<link>http://myfreecredit-report.com/credit-scores-explained/</link>
		<comments>http://myfreecredit-report.com/credit-scores-explained/#comments</comments>
		<pubDate>Tue, 17 Jan 2012 23:12:30 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Understanding Credit Reports]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[credit scores explained]]></category>
		<category><![CDATA[credit scores in plain english]]></category>
		<category><![CDATA[understanding credit scores]]></category>

		<guid isPermaLink="false">http://myfreecredit-report.com/?p=64</guid>
		<description><![CDATA[Credit scores are extremely important with regards to your financial well being.  They are needed for everything, from buying a home to buying a car and even for employment screening.  Although these scores are very important, they are not very well understood by the vast majority of people.  Most people don’t know what makes up [...]]]></description>
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		<title>Free Government Credit Report</title>
		<link>http://myfreecredit-report.com/free-government-credit-report/</link>
		<comments>http://myfreecredit-report.com/free-government-credit-report/#comments</comments>
		<pubDate>Thu, 05 Jan 2012 22:02:51 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Obtaining Credit Reports]]></category>
		<category><![CDATA[annual credit report]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[free credit report]]></category>
		<category><![CDATA[free government credit report]]></category>
		<category><![CDATA[government credit report]]></category>
		<category><![CDATA[obtain your free credit report]]></category>

		<guid isPermaLink="false">http://myfreecredit-report.com/?p=61</guid>
		<description><![CDATA[There are many misconceptions about the free government credit report that is available to consumers under the Fair Credit Reporting Act.  This act requires each of the three major consumer credit reporting agencies (Equifax, TransUnion and Experian) to provide consumers with a free copy of their credit report once a year if you request it. [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Credit Management Tips: Practices For Keeping Debts Low And Increasing Credit Scores</title>
		<link>http://myfreecredit-report.com/credit-management-tips-practices-for-keeping-debts-low-and-increasing-credit-scores/</link>
		<comments>http://myfreecredit-report.com/credit-management-tips-practices-for-keeping-debts-low-and-increasing-credit-scores/#comments</comments>
		<pubDate>Wed, 06 Jul 2011 19:03:46 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit Management]]></category>
		<category><![CDATA[credit management]]></category>
		<category><![CDATA[credit management tips]]></category>
		<category><![CDATA[credit tips]]></category>

		<guid isPermaLink="false">http://myfreecredit-report.com/?p=57</guid>
		<description><![CDATA[Credit card owners often care about how they can spend rather how much they can pay for their credit card balances. However, when people start using credit cards, buying just about anything, the debt continues to pile up because most credit card users disregard the proper way to maintain their good credit. Credit management is [...]]]></description>
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		<title>Annual Credit Report</title>
		<link>http://myfreecredit-report.com/annual-credit-report/</link>
		<comments>http://myfreecredit-report.com/annual-credit-report/#comments</comments>
		<pubDate>Thu, 21 Apr 2011 21:58:50 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[Understanding Credit Reports]]></category>
		<category><![CDATA[annual credit report]]></category>
		<category><![CDATA[free annual credit report]]></category>

		<guid isPermaLink="false">http://myfreecredit-report.com/?p=53</guid>
		<description><![CDATA[Access to an annual credit report through each of the three reporting bureaus is mandated by law.  Legally you can request a free report from each agency once a year.  What many people don’t realize is that this report omits some of the most important information  needed when managing your credit – your score. &#160; [...]]]></description>
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		<title>What is a Good Credit Score</title>
		<link>http://myfreecredit-report.com/what-is-a-good-credit-score/</link>
		<comments>http://myfreecredit-report.com/what-is-a-good-credit-score/#comments</comments>
		<pubDate>Thu, 10 Mar 2011 21:22:16 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[good credit score]]></category>
		<category><![CDATA[what is a good credit score]]></category>
		<category><![CDATA[whats a good credit score]]></category>

		<guid isPermaLink="false">http://myfreecredit-report.com/?p=47</guid>
		<description><![CDATA[What is a good credit score?  The answer to that question really depends on a few factors, which we will address here. The main factor that determines what a good credit score is really comes down to what you plan to use your credit to secure.  If you are trying to secure a home loan [...]]]></description>
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		<title>DTI</title>
		<link>http://myfreecredit-report.com/dti/</link>
		<comments>http://myfreecredit-report.com/dti/#comments</comments>
		<pubDate>Fri, 04 Mar 2011 22:11:46 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Credit Management]]></category>

		<guid isPermaLink="false">http://myfreecredit-report.com/?p=44</guid>
		<description><![CDATA[DTI is an important calculation in today’s financial world, we’ll show you how to calculate it, and discuss in detail what DTI is, why it is so important and how you can manage it. DTI, or debt to income ratio, is the ratio of debt to income a borrower has.  The higher the DTI, the [...]]]></description>
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		<title>Causes of Debt</title>
		<link>http://myfreecredit-report.com/causes-of-debt/</link>
		<comments>http://myfreecredit-report.com/causes-of-debt/#comments</comments>
		<pubDate>Tue, 21 Dec 2010 00:06:40 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[causes of debt]]></category>
		<category><![CDATA[debt]]></category>

		<guid isPermaLink="false">http://myfreecredit-report.com/?p=32</guid>
		<description><![CDATA[The first step when looking at the causes of debt is to analyze where things went wrong. This is absolutely critical. If you are not able to identify the original causes of debt, you will not be able to change those habits and replace them with healthier spending habits. For most people, there could be [...]]]></description>
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		<title>Consequences of Debt</title>
		<link>http://myfreecredit-report.com/consequences-of-debt/</link>
		<comments>http://myfreecredit-report.com/consequences-of-debt/#comments</comments>
		<pubDate>Tue, 21 Dec 2010 00:00:19 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[consequences of debt]]></category>
		<category><![CDATA[dealing with debt]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debt and credit]]></category>
		<category><![CDATA[personal debt]]></category>

		<guid isPermaLink="false">http://myfreecredit-report.com/?p=29</guid>
		<description><![CDATA[The consequences of high levels of debt can be staggering. First, you must deal with the crushing payments. Once debt has risen to a certain level, many people find it hard to make even the minimum payments, let alone pay off their debt. Second, after you are behind on payments you must cope with the [...]]]></description>
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		</item>
		<item>
		<title>What is a Credit Report</title>
		<link>http://myfreecredit-report.com/what-is-a-credit-report/</link>
		<comments>http://myfreecredit-report.com/what-is-a-credit-report/#comments</comments>
		<pubDate>Fri, 17 Dec 2010 22:21:27 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Understanding Credit Reports]]></category>
		<category><![CDATA[credit reports]]></category>
		<category><![CDATA[what are credit reports]]></category>
		<category><![CDATA[what is a credit report]]></category>

		<guid isPermaLink="false">http://myfreecredit-report.com/?p=23</guid>
		<description><![CDATA[Credit reports are more than just scores, although the scores may be the most important aspect in a typical transaction.  With that being said, however, some items on a credit report my trump your score.  For example, if your middle credit score is 680, but you had a foreclosure or short sale 18 months ago, [...]]]></description>
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		</item>
		<item>
		<title>Understanding Your Credit Report</title>
		<link>http://myfreecredit-report.com/understanding-your-credit-report/</link>
		<comments>http://myfreecredit-report.com/understanding-your-credit-report/#comments</comments>
		<pubDate>Fri, 17 Dec 2010 21:15:23 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Understanding Credit Reports]]></category>
		<category><![CDATA[understanding credit reports]]></category>
		<category><![CDATA[understanding your credit report]]></category>

		<guid isPermaLink="false">http://myfreecredit-report.com/?p=21</guid>
		<description><![CDATA[Today we look at information on understanding your credit report that can help you read and understand the information found on your personal credit report.  In our last post, we looked at the various parts of a credit report.  Now it is time to look at each of those parts in more detail. The first [...]]]></description>
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