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	<title>Personal Finance Advice &#187; FICO</title>
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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>
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		<category><![CDATA[FICO]]></category>
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		<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>
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		<slash:comments>7</slash:comments>
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		<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>
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		<category><![CDATA[available credit]]></category>
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		<category><![CDATA[credit card reward]]></category>
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		<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>
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		<slash:comments>14</slash:comments>
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		<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>
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		<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>
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		<slash:comments>11</slash:comments>
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		<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>
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		<category><![CDATA[FICO]]></category>
		<category><![CDATA[FICO score]]></category>
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		<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>
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		<slash:comments>5</slash:comments>
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		<title>A Life Without Debt: Freedom from FICO</title>
		<link>http://www.pfadvice.com/2009/04/07/a-life-without-debt-freedom-from-fico/</link>
		<comments>http://www.pfadvice.com/2009/04/07/a-life-without-debt-freedom-from-fico/#comments</comments>
		<pubDate>Tue, 07 Apr 2009 07:01:52 +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 score]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[FICO]]></category>
		<category><![CDATA[FICO credit score]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=4323</guid>
		<description><![CDATA[One of the benefits of a life without debt is (some) freedom from the gods at FICO. Because I don&#8217;t do debt, my FICO score is not as important to me as it is to some and that takes a lot of worry out of my life. I see many people freaking out about their [...]]]></description>
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		<slash:comments>7</slash:comments>
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