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	<title>Get Free Credit Report Now</title>
	<link>http://www.getfreecreditreportnow.net/blog</link>
	<description>Credit Report Facts and FAQs</description>
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		<title>How Do I Update My Name with the Credit Bureaus if I have Legally Changed It?</title>
		<description><![CDATA[If you have legally changed your name then you should have some documentation regarding the name change. Updating your name is just like disputing any other information on your credit report. You should write a letter to each of three bureaus (Experian, Equifax &#38; TransUnion) notifying them of the name change along with any documentation [...]]]></description>
		<link>http://www.getfreecreditreportnow.net/blog/how-do-i-update-my-name-with-the-credit-bureaus-if-i-have-legally-changed-it/</link>
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		<title>What’s the Best Credit Card to Start Building My Credit History?</title>
		<description><![CDATA[Many people find that getting accepted for a Discover card is fairly easy even with no credit history. They often offer low limits such as $200-500 for people with no credit. You can use this limit to slowly begin the process of building your credit history. Just remember to always pay your balance in full [...]]]></description>
		<link>http://www.getfreecreditreportnow.net/blog/what%e2%80%99s-the-best-credit-card-to-start-building-my-credit-history/</link>
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		<title>How Can I See my 3 Credit Scores without a Credit or Debit Card?</title>
		<description><![CDATA[The first step in checking your credit history is to pull your credit reports. You can get your credit reports from each of the three major credit reporting companies once a year at AnnualCreditReport.com. Go through each of your reports line by line to make sure they are free of errors as up to 75% [...]]]></description>
		<link>http://www.getfreecreditreportnow.net/blog/how-can-i-see-my-3-credit-scores-without-a-credit-or-debit-card/</link>
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		<title>What’s a Credit Score and How do I View Mine?</title>
		<description><![CDATA[Your credit score is a number that’s used to determine your creditworthiness and is based on information from your credit reports. Technically there are thousands of different credit scores used but the most popular consumer credit score is known as FICO and is calculated by the Fair Isaac Company. Not only that but you actually [...]]]></description>
		<link>http://www.getfreecreditreportnow.net/blog/what%e2%80%99s-a-credit-score-and-how-do-i-view-mine/</link>
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		<title>How Can I Get a Free Credit Report without Hurting my Credit?</title>
		<description><![CDATA[Thanks to the Fair Credit Reporting Act you are eligible to receive a free credit report from each of the three major credit reporting bureaus once a year. You can get it online through AnnualCreditReport.com or by mailing in a request form if you don’t have access to the internet. No matter where you get [...]]]></description>
		<link>http://www.getfreecreditreportnow.net/blog/how-can-i-get-a-free-credit-report-without-hurting-my-credit/</link>
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		<title>What’s the Best Way to Get My Credit Score?</title>
		<description><![CDATA[The first thing you need to know about credit scores is that they’re not all the same. There are literally thousands of different companies who offer credit scores. The only thing these scores have in common is the information they are based on, namely your credit reports from Experian, Equifax and TransUnion. That’s where the [...]]]></description>
		<link>http://www.getfreecreditreportnow.net/blog/what%e2%80%99s-the-best-way-to-get-my-credit-score/</link>
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		<title>What’s the Difference between Paid and Settled Accounts on your Credit Report?</title>
		<description><![CDATA[When you default on debt (refuse to pay) your accounts will typically become charged off and sent to collections. Once this happens the damage is already done to your credit history for the most part. The only real difference between having an account in collections marked as paid or settled is that paid accounts are [...]]]></description>
		<link>http://www.getfreecreditreportnow.net/blog/what%e2%80%99s-the-difference-between-paid-and-settled-accounts-on-your-credit-report/</link>
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		<title>Do Creditors Have a Legal Obligation to Report to the Credit Bureaus?</title>
		<description><![CDATA[Unfortunately, the answer is no. No company has any sort of legal obligation to provide credit history information to the credit reporting agencies. In fact, it actually costs money to report details to the credit bureaus which is why a lot of company like utility companies and cell phone companies only report negative entries such [...]]]></description>
		<link>http://www.getfreecreditreportnow.net/blog/do-creditors-have-a-legal-obligation-to-report-to-the-credit-bureaus/</link>
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		<title>Is It Possible to Combine Credit Report Disputes?</title>
		<description><![CDATA[The first disputes you should file is any disputes that have to do with inaccuracies in your address information. If there are addresses associated with your credit report that don’t belong to you then disputing these first may help you with other disputes you make regarding accounts. You can combine your other disputes somewhat, but [...]]]></description>
		<link>http://www.getfreecreditreportnow.net/blog/is-is-possible-to-combine-credit-report-disputes/</link>
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		<title>Why Would my Credit Score Drop when I Opened a New Line of Credit?</title>
		<description><![CDATA[The first reason why your score would drop when opening a new line of credit is the fact that hard inquiries have been made against your credit report. This is especially true if you applied with a few lenders before finally being accepted. Whether you are accepted or rejected for credit a hard inquiry is [...]]]></description>
		<link>http://www.getfreecreditreportnow.net/blog/why-would-my-credit-score-drop-when-i-opened-a-new-line-of-credit/</link>
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		<title>Top 5 Benefits of the Fair Credit Reporting Act</title>
		<description><![CDATA[The Fair Credit Reporting Act was originally passed in 1970 but was recently amended in 2003 to provide additional consumer protection and privacy. Discover the top 5 benefits that came from these amendments and how they help you. The Fair Credit Reporting act was amended in 2003 to include new laws for consumer protection and [...]]]></description>
		<link>http://www.getfreecreditreportnow.net/blog/top-5-benefits-of-the-fair-credit-reporting-act/</link>
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		<title>How Do I Fix my Credit Report after Making a Late Payment?</title>
		<description><![CDATA[Unfortunately there’s nothing you can do to immediately “fix” your credit report after you’ve made a late payment. No matter what the reason was for your late payment (even if it wasn’t entirely your fault like a check lost in the mail) it will remain on your credit report for some time and will impact [...]]]></description>
		<link>http://www.getfreecreditreportnow.net/blog/how-do-i-fix-my-credit-report-after-making-a-late-payment/</link>
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		<title>Collection Agency Wants to Settle But Won’t Give me a Deal in Writing!</title>
		<description><![CDATA[Make no mistake, debt collectors will do and say anything necessary to collect a debt. They know the business and they know all the tricks necessary to make people pay. They are not your friends, and they are definitely not on your side. Before you make any deal with a debt collector it’s important to [...]]]></description>
		<link>http://www.getfreecreditreportnow.net/blog/collection-agency-wants-to-settle-but-won%e2%80%99t-give-me-a-deal-in-writing/</link>
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		<title>Why Does my Credit Score Refuse to Go Up?</title>
		<description><![CDATA[If you have active credit accounts that you’ve been paying regularly there are a few reasons why your credit score may not be going up. One reason is that your lender may not actually be reporting to any credit bureau. It isn’t required by law and actually costs money to submit information to the credit [...]]]></description>
		<link>http://www.getfreecreditreportnow.net/blog/why-does-my-credit-score-refuse-to-go-up/</link>
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		<title>Can Cosigning for a Loan Hurt Your Credit Score?</title>
		<description><![CDATA[When you cosign for a loan it’s really exactly the same thing as applying for a loan yourself. While you may only be the cosigner and not actually see any of the money from the loan (or get to the use the vehicle in the case of an auto loan) you are still 100% obligated [...]]]></description>
		<link>http://www.getfreecreditreportnow.net/blog/can-cosigning-for-a-loan-hurt-your-credit-score/</link>
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		<title>How Can I Increase my Credit Scores Quickly?</title>
		<description><![CDATA[One of the best ways to improve your credit score is to identify and dispute any negative entries on your credit report which may be inaccurate. People make mistakes and credit reporting bureaus are no different. They can easily add things to your credit report that’s meant for someone else’s. If you find inaccuracies you [...]]]></description>
		<link>http://www.getfreecreditreportnow.net/blog/how-can-i-increase-my-credit-scores-quickly/</link>
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		<title>What is a Good Credit Score?</title>
		<description><![CDATA[Your credit score could be anywhere from 200 to 850 with 200 being the lowest and 850 being the best possible credit score (which of course very few people actually ever have). Any score between 650 and 800 could be considered a good credit score to have. Anything below 650 and you will probably have [...]]]></description>
		<link>http://www.getfreecreditreportnow.net/blog/what-is-a-good-credit-score/</link>
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		<title>How Much Does I Have to Pay on Collections Accounts to Improve My Credit Score?</title>
		<description><![CDATA[If you have accounts in collection status the very best thing you can do is to contact the collections company and try to negotiate a lower payoff. Often times collection companies will accept much less than what is owed to help settle your outstanding balance with them. They are willing to work with you especially [...]]]></description>
		<link>http://www.getfreecreditreportnow.net/blog/how-much-does-i-have-to-pay-on-collections-accounts-to-improve-my-credit-score/</link>
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		<title>Does Paying Monthly Minimum on Credit Card Affect Credit Score?</title>
		<description><![CDATA[Part of your credit score is determined by how much debt you have compared to how much credit you have available. If you are only paying your minimum monthly payments on your credit card then I would have to assume that you’re carrying a balance every month. Any time you carry a balance over about [...]]]></description>
		<link>http://www.getfreecreditreportnow.net/blog/does-paying-monthly-minimum-on-credit-card-affect-credit-score/</link>
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		<title>What Does a Bankruptcy Look Like on My Credit Report?</title>
		<description><![CDATA[Each individual debt on your credit report will appear as discharged after you file bankruptcy. They will take about seven a half years to fall off of your credit report completely. The biggest impact a bankruptcy will have on your credit history is within the first two years of filing. The FCRA (Fair Credit Reporting [...]]]></description>
		<link>http://www.getfreecreditreportnow.net/blog/what-does-a-bankruptcy-look-like-on-my-credit-report/</link>
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