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	<title>Personal Finance Advice &#187; credit score</title>
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	<description>Bridging the gap between saving money and investing</description>
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		<title>What to Expect When Getting Pre-Approved for a Mortgage</title>
		<link>http://www.pfadvice.com/2011/11/12/what-to-expect-when-getting-pre-approved-for-a-mortgage/</link>
		<comments>http://www.pfadvice.com/2011/11/12/what-to-expect-when-getting-pre-approved-for-a-mortgage/#comments</comments>
		<pubDate>Sat, 12 Nov 2011 17:12:26 +0000</pubDate>
		<dc:creator>Guest Writer</dc:creator>
				<category><![CDATA[Housing]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[finding mortgage broker]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[mortgage paperwork]]></category>
		<category><![CDATA[pre-approved mortgage]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=8061</guid>
		<description><![CDATA[This is a guest post from Little Miss Moneybags If you&#8217;re house-hunting, a mortgage pre-approval is a great thing to have in your back pocket. It shows real estate agents and sellers that you&#8217;re serious, and can help move the final home-buying process along much more quickly. Here&#8217;s an overview of how to get pre-approved, [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2011/11/12/what-to-expect-when-getting-pre-approved-for-a-mortgage/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
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		<item>
		<title>7 Credit Card Myths</title>
		<link>http://www.pfadvice.com/2011/11/11/7-credit-card-myths/</link>
		<comments>http://www.pfadvice.com/2011/11/11/7-credit-card-myths/#comments</comments>
		<pubDate>Fri, 11 Nov 2011 17:34:33 +0000</pubDate>
		<dc:creator>Guest Writer</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[credit card account]]></category>
		<category><![CDATA[credit myths]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[no limit credit card]]></category>
		<category><![CDATA[personal finances. credit card myths]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=8034</guid>
		<description><![CDATA[You know your credit is an important part of your financial life. Indeed, a number of people, from bankers to insurers to landlords, use your credit score to determine your financial fate. From higher interest rates and insurance premiums to paying a higher security deposit for a rental, a poor credit score can cost you. [...]]]></description>
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		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Don&#8217;t Let Your College Student Graduate with Debt</title>
		<link>http://www.pfadvice.com/2011/09/09/dont-let-your-college-student-graduate-with-debt/</link>
		<comments>http://www.pfadvice.com/2011/09/09/dont-let-your-college-student-graduate-with-debt/#comments</comments>
		<pubDate>Fri, 09 Sep 2011 12:41:23 +0000</pubDate>
		<dc:creator>Guest Writer</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Education]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[college credit cards]]></category>
		<category><![CDATA[college debt]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[credit card fees]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[university credit cards]]></category>
		<category><![CDATA[university debt]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=7700</guid>
		<description><![CDATA[Financial responsibility is a crucial part of the college experience, yet some personal finance skills remain foreign to students as they prepare for college. Parents have the task of preparing their children for a new financial world and they can do that by discussing the pitfalls that come with being on their own. Do you [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2011/09/09/dont-let-your-college-student-graduate-with-debt/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<title>Dave Ramsey Financial Peace University: Week 5</title>
		<link>http://www.pfadvice.com/2010/03/18/dave-ramsey-financial-peace-university-week-five/</link>
		<comments>http://www.pfadvice.com/2010/03/18/dave-ramsey-financial-peace-university-week-five/#comments</comments>
		<pubDate>Thu, 18 Mar 2010 07:01:03 +0000</pubDate>
		<dc:creator>Maggie Ellis</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[collection agency]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[credit agancies]]></category>
		<category><![CDATA[credit bureaus]]></category>
		<category><![CDATA[Credit Report]]></category>
		<category><![CDATA[credit reports]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[Dave Ramsey]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[debt score]]></category>
		<category><![CDATA[FICO]]></category>
		<category><![CDATA[Financial Peace University]]></category>
		<category><![CDATA[Identity Theft]]></category>
		<category><![CDATA[poorly managed debt]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5814</guid>
		<description><![CDATA[This week&#8217;s lecture was about credit reports, credit reporting bureaus, identity theft, and collection agencies. Quite a scattering of topics. The first part of the class was on credit scores and credit bureaus. Dave makes the point that a FICO score is an, &#8220;I love debt score&#8221; because the only way to get a FICO [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/03/18/dave-ramsey-financial-peace-university-week-five/feed/</wfw:commentRss>
		<slash:comments>7</slash:comments>
		</item>
		<item>
		<title>A Life Without Debt: Five Myths About Being Debt Free</title>
		<link>http://www.pfadvice.com/2010/02/09/a-life-without-debt-five-myths-about-being-debt-free/</link>
		<comments>http://www.pfadvice.com/2010/02/09/a-life-without-debt-five-myths-about-being-debt-free/#comments</comments>
		<pubDate>Tue, 09 Feb 2010 07:01:41 +0000</pubDate>
		<dc:creator>Sadie Morris</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[debt free life]]></category>
		<category><![CDATA[debt myths]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[everything you want]]></category>
		<category><![CDATA[money problems]]></category>
		<category><![CDATA[money woes]]></category>
		<category><![CDATA[money worries]]></category>
		<category><![CDATA[no budget]]></category>
		<category><![CDATA[you're rich]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5704</guid>
		<description><![CDATA[Most people seem to have a lot of false beliefs about being debt free. They seem to think that those of us who are debt free never have to worry about money, or that we are somehow free from the concerns of everyday life. Some people work to become debt free because they believe that [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/02/09/a-life-without-debt-five-myths-about-being-debt-free/feed/</wfw:commentRss>
		<slash:comments>13</slash:comments>
		</item>
		<item>
		<title>A Life Without Debt: Think Before Marrying Debt</title>
		<link>http://www.pfadvice.com/2010/01/05/a-life-without-debt-think-before-marrying-debt/</link>
		<comments>http://www.pfadvice.com/2010/01/05/a-life-without-debt-think-before-marrying-debt/#comments</comments>
		<pubDate>Tue, 05 Jan 2010 07:01:41 +0000</pubDate>
		<dc:creator>Sadie Morris</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Relationships]]></category>
		<category><![CDATA[credit history]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[debt load]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[financial compatibility]]></category>
		<category><![CDATA[financial goals]]></category>
		<category><![CDATA[marrying debt]]></category>
		<category><![CDATA[money goals]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5607</guid>
		<description><![CDATA[I married a man just like me. He had no debt going into our marriage and no desire to incur any. This has made it very easy for us to create a financial life together that we both agree on and enjoy. I know many other couples who are not so lucky and this has [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/01/05/a-life-without-debt-think-before-marrying-debt/feed/</wfw:commentRss>
		<slash:comments>11</slash:comments>
		</item>
		<item>
		<title>A Life Without Debt: Not Immune From The Credit Crisis</title>
		<link>http://www.pfadvice.com/2009/11/03/a-life-without-debt-not-immune-from-the-credit-crisis/</link>
		<comments>http://www.pfadvice.com/2009/11/03/a-life-without-debt-not-immune-from-the-credit-crisis/#comments</comments>
		<pubDate>Tue, 03 Nov 2009 07:01:53 +0000</pubDate>
		<dc:creator>Sadie Morris</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[available credit]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit card reward]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[economic crisis]]></category>
		<category><![CDATA[FICO]]></category>
		<category><![CDATA[FICO score]]></category>
		<category><![CDATA[no debt]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5360</guid>
		<description><![CDATA[I knew it was bound to happen, but I&#8217;d been hoping that somehow I&#8217;d avoid it. Despite having excellent credit and no debt, we got a letter from one of our credit card companies dropping our limit from $10,000 to $300. This was done because of &#8220;inactivity&#8221; on our account, which really translates into the [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/11/03/a-life-without-debt-not-immune-from-the-credit-crisis/feed/</wfw:commentRss>
		<slash:comments>14</slash:comments>
		</item>
		<item>
		<title>A Life Without Debt: A High Credit Score</title>
		<link>http://www.pfadvice.com/2009/08/18/a-life-without-debt-a-high-credit-score/</link>
		<comments>http://www.pfadvice.com/2009/08/18/a-life-without-debt-a-high-credit-score/#comments</comments>
		<pubDate>Tue, 18 Aug 2009 07:01:43 +0000</pubDate>
		<dc:creator>Sadie Morris</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit history]]></category>
		<category><![CDATA[Credit Report]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[FICO]]></category>
		<category><![CDATA[good credit score]]></category>
		<category><![CDATA[great credit score]]></category>
		<category><![CDATA[lower credit score]]></category>
		<category><![CDATA[open credit line]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5037</guid>
		<description><![CDATA[I know that many people believe that you have to have debt in order to have a high credit score. Many people keep their debt just so they can keep their score up (so they can get more credit later). They fret every time a credit card is closed or the available limit is lowered. [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/08/18/a-life-without-debt-a-high-credit-score/feed/</wfw:commentRss>
		<slash:comments>11</slash:comments>
		</item>
		<item>
		<title>A Life Without Debt: Simple Credit Reports</title>
		<link>http://www.pfadvice.com/2009/06/30/a-life-without-debt-simple-credit-reports/</link>
		<comments>http://www.pfadvice.com/2009/06/30/a-life-without-debt-simple-credit-reports/#comments</comments>
		<pubDate>Tue, 30 Jun 2009 07:01:11 +0000</pubDate>
		<dc:creator>Sadie Morris</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[annual credit report]]></category>
		<category><![CDATA[annualcreditreport.com]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[Debt Reduction]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=4783</guid>
		<description><![CDATA[It takes my neighbor hours to pay all her bills while being debt free keeps me from that onerous chore, saving me valuable time. The same neighbor taught me about another time saving aspect of being debt free. This neighbor requested her free credit report from AnnualCreditReport. I had mentioned it to her some time [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/06/30/a-life-without-debt-simple-credit-reports/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>The Death of FICO?</title>
		<link>http://www.pfadvice.com/2009/04/16/the-death-of-fico/</link>
		<comments>http://www.pfadvice.com/2009/04/16/the-death-of-fico/#comments</comments>
		<pubDate>Thu, 16 Apr 2009 07:01:25 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Utilities]]></category>
		<category><![CDATA[available credit]]></category>
		<category><![CDATA[credit risk]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[credit worthiness]]></category>
		<category><![CDATA[death of FICO]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[FICO]]></category>
		<category><![CDATA[FICO score]]></category>
		<category><![CDATA[low credit score]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=4374</guid>
		<description><![CDATA[Last week, Sadie wrote about how debt free living means not being a slave to a FICO score. In the article, she pointed out that FICO has become such an integral part of our lives that even the debt free can&#8217;t ignore the score completely, which is annoying, at best. But I&#8217;ve been giving it [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2009/04/16/the-death-of-fico/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
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