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	<title>Credit Score-Free Credit Score</title>
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	<link>http://creditscore411.org</link>
	<description>Credit Score Range, Credit Score Chart</description>
	<lastBuildDate>Mon, 06 Feb 2012 21:36:51 +0000</lastBuildDate>
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		<title>Credit Repair Companies: Can They Be Trusted?</title>
		<link>http://creditscore411.org/education/credit-repair-companies-can-they-be-trusted/</link>
		<comments>http://creditscore411.org/education/credit-repair-companies-can-they-be-trusted/#comments</comments>
		<pubDate>Mon, 06 Feb 2012 21:36:51 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Education]]></category>
		<category><![CDATA[Credit Repair Companies]]></category>
		<category><![CDATA[Million Dollars]]></category>
		<category><![CDATA[Penchant]]></category>

		<guid isPermaLink="false">http://creditscore411.org/education/credit-repair-companies-can-they-be-trusted/</guid>
		<description><![CDATA[1callcreditrepair asked: www.onecallcreditrepair.com 1-888-586-4914 Many &#8220;credit repair&#8221; companies claim to remove negative credit with the flick of a wrist. Their advertisements make bold assertions and money-back guarantees: &#8220;Bankruptcy, tax liens, judgments&#8230; no problem!! One hundred percent guaranteed!! Credit report 100% cleared in 30 days!!&#8221; Can they really make such sweeping guarantees? While some credit repair [...]]]></description>
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<div><em><strong>1callcreditrepair</strong> asked: </em><br/><br/>
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<p><br/>www.onecallcreditrepair.com 1-888-586-4914 Many &#8220;credit repair&#8221; companies claim to remove negative credit with the flick of a wrist. Their advertisements make bold assertions and money-back guarantees: &#8220;Bankruptcy, tax liens, judgments&#8230; no problem!! One hundred percent guaranteed!! Credit report 100% cleared in 30 days!!&#8221; Can they really make such sweeping guarantees? While some credit repair companies are outright frauds, others are not fraudulent and they use the dispute process to obtain impressive results. In fact, they delete thousands of questionable credit listings every day. Unfortunately, it is risky to trust anyone to help you restore your credit. It is estimated that fraudulent credit repair companies have bilked Americans out of more than fifty million dollars. The majority of credit repair companies were started by entrepreneurs with a penchant for marketing. Consumers have flocked to these &#8220;credit doctors&#8221; only to discover that their advertisements proved far more impressive than their results. Hiring a credit repair company is like playing Russian roulette. Many of them are effective and legitimate, but it is difficult to tell a rip-off from the real article. Welcome to One Call Credit repair. Whether you&#8217;re in Collections, have late Payments, Charge Offs, Liens, Bankruptcies, Repossessions, Foreclosures or Judgments against you, One call credit repair strongly recommends calling Lexington Law Firm for a free consultation at 888-586-4914. Why Lexington <b>&#8230;</b><br/><br/>Modesto Shortle</div>
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		<item>
		<title>Credit Card Debt Options</title>
		<link>http://creditscore411.org/education/credit-card-debt-options/</link>
		<comments>http://creditscore411.org/education/credit-card-debt-options/#comments</comments>
		<pubDate>Mon, 06 Feb 2012 17:15:30 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Education]]></category>
		<category><![CDATA[Credit Card Debt]]></category>
		<category><![CDATA[Option 1]]></category>
		<category><![CDATA[Unsecured Debt Consolidation Loan]]></category>

		<guid isPermaLink="false">http://creditscore411.org/education/credit-card-debt-options/</guid>
		<description><![CDATA[911creditpros asked: During these challenging economic times, millions of Americans are struggling with credit card debt. Finding an effective solution to resolving this debt can be frustrating. To help you learn more about your options, we&#8217;ve included a breakdown of the benefits and risks of each debt relief option. 1. Minimum Payments You continue paying [...]]]></description>
			<content:encoded><![CDATA[<div name="googleone_share_1" style="position:relative;z-index:5;float: right; margin-left: 10px;"><g:plusone size="standard" count="1" href="http://creditscore411.org/education/credit-card-debt-options/"></g:plusone></div><div style="float:left; padding: 12px"></div>
<div><em><strong>911creditpros</strong> asked: </em><br/><br/>
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<p><br/>During these challenging economic times, millions of Americans are struggling with credit card debt. Finding an effective solution to resolving this debt can be frustrating. To help you learn more about your options, we&#8217;ve included a breakdown of the benefits and risks of each debt relief option. 1. Minimum Payments You continue paying your creditors the minimum amount each month &#8211; Each month a huge portion of your payment is going towards the creditor fees (interest) &#8211; Paying down the balance of your debt can take years &#8211; To see how long it will take to finish paying your credit card debt, check out the CNN Money Debt Reduction Chart. 2. Credit Counseling You send your monthly payment into the credit counseling firm and they distribute that payment to your creditors, usually for a period of 5 years or more. &#8211; Helps reduce your interest rates &#8211; If you&#8217;re concerned with a lower monthly payment, credit counseling offers minimal, if any relief &#8211; Your enrollment is reported to the credit bureaus, which could affect your ability to get a loan. &#8211; A high percentage of consumers drop out of the program because they are difficult to manage &#8211; Most credit counseling firms are funded by your creditors, which gives them the incentives to make you pay as much as possible 3. Unsecured Debt Consolidation Loan A bank pays off some or all of your debts and in turn you pay back the bank with interest. &#8211; High interest rates &#8211; Difficult to qualify for this type of loan &#8211; Lenders interpret <b>&#8230;</b><br/><br/>Antione Massengill</div>
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		</item>
		<item>
		<title>How The New Credit Rules And Disclosures Will Affect You Webinar</title>
		<link>http://creditscore411.org/education/how-the-new-credit-rules-and-disclosures-will-affect-you-webinar/</link>
		<comments>http://creditscore411.org/education/how-the-new-credit-rules-and-disclosures-will-affect-you-webinar/#comments</comments>
		<pubDate>Sun, 05 Feb 2012 22:43:46 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Education]]></category>
		<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[Credit Scoring]]></category>
		<category><![CDATA[Teaching Tips]]></category>

		<guid isPermaLink="false">http://creditscore411.org/education/how-the-new-credit-rules-and-disclosures-will-affect-you-webinar/</guid>
		<description><![CDATA[UAFEFE asked: In the wake of the global financial crisis and recession, many more consumers have information on their credit reports that negatively impact their scores. New information from credit scoring companies indicate the impact of &#8220;bad&#8221; events (eg mortgage foreclosure) on a credit score, and new regulations mean more score disclosures. So, what does [...]]]></description>
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<div><em><strong>UAFEFE</strong> asked: </em><br/><br/>
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<p><br/>In the wake of the global financial crisis and recession, many more consumers have information on their credit reports that negatively impact their scores. New information from credit scoring companies indicate the impact of &#8220;bad&#8221; events (eg mortgage foreclosure) on a credit score, and new regulations mean more score disclosures. So, what does this mean for you? View this recorded webinar to find out what you need to know about credit scores and ways to relay this information to your students. This webinar was hosted by University of Arizona Professor and Director of the Take Charge America Institute for Consumer Financial Education and Research, Dr. Michael Staten. This webinar also featured FEFE National Master Educator, Shelly Stanton. She demonstrates activities from the 1.4.2 Understanding Credit Reports lesson plan. Shelly shares teaching tips for creating relevance for students regarding this topic as well as highlights some of her favorite resources for teaching credit reports.<br/><br/>Andrea</div>
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		</item>
		<item>
		<title>Credit Repair &#8211; Credit Restoration</title>
		<link>http://creditscore411.org/news/credit-repair-credit-restoration/</link>
		<comments>http://creditscore411.org/news/credit-repair-credit-restoration/#comments</comments>
		<pubDate>Sun, 05 Feb 2012 20:46:04 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[News]]></category>
		<category><![CDATA[Credit Repair Service]]></category>
		<category><![CDATA[Credit Repair Services]]></category>
		<category><![CDATA[Credit Score]]></category>

		<guid isPermaLink="false">http://creditscore411.org/news/credit-repair-credit-restoration/</guid>
		<description><![CDATA[dangar1999 asked: www.Over720.com &#8211; Testimonial from a client who is very happy with the credit repair services we provided her. Our Credit Repair service guarantees a 720 credit score in as little as 6 months and as low as $19.95 per month &#8211; Don&#8217;t let anyone else provide your credit repair service.Jeremiah Catchpole]]></description>
			<content:encoded><![CDATA[<div name="googleone_share_1" style="position:relative;z-index:5;float: right; margin-left: 10px;"><g:plusone size="standard" count="1" href="http://creditscore411.org/news/credit-repair-credit-restoration/"></g:plusone></div><div style="float:left; padding: 12px"></div>
<div><em><strong>dangar1999</strong> asked: </em><br/><br/>
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<p><br/>www.Over720.com &#8211; Testimonial from a client who is very happy with the credit repair services we provided her. Our Credit Repair service guarantees a 720 credit score in as little as 6 months and as low as $19.95 per month &#8211; Don&#8217;t let anyone else provide your credit repair service.<br/><br/>Jeremiah Catchpole</div>
]]></content:encoded>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>United Credit Education Services &#8211; Customer Access</title>
		<link>http://creditscore411.org/education/united-credit-education-services-customer-access/</link>
		<comments>http://creditscore411.org/education/united-credit-education-services-customer-access/#comments</comments>
		<pubDate>Sun, 05 Feb 2012 07:34:42 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Education]]></category>
		<category><![CDATA[Credit Education]]></category>
		<category><![CDATA[Education Services]]></category>
		<category><![CDATA[United Services]]></category>

		<guid isPermaLink="false">http://creditscore411.org/education/united-credit-education-services-customer-access/</guid>
		<description><![CDATA[VRTECHMARKETINGGROUP asked: thirdeye-creditrepair.com United Credit Education Services offers access to clients enrolled in our Credit Restoration program access to there account 24/7 via secure log in at www.united-credit.org. Customers can track there progress as they go through the 5 rounds of disputes.Maribel Veazie]]></description>
			<content:encoded><![CDATA[<div name="googleone_share_1" style="position:relative;z-index:5;float: right; margin-left: 10px;"><g:plusone size="standard" count="1" href="http://creditscore411.org/education/united-credit-education-services-customer-access/"></g:plusone></div><div style="float:left; padding: 12px"></div>
<div><em><strong>VRTECHMARKETINGGROUP</strong> asked: </em><br/><br/>
<div class="cc_video"><object width="425" height="355"><param name="movie" value="http://www.youtube.com/v/47BT8RM8Ls8&#038;hl=en"></param><param name="wmode" value="transparent"></param><embed src="http://www.youtube.com/v/47BT8RM8Ls8&#038;hl=en" type="application/x-shockwave-flash" wmode="transparent" width="425" height="355"></embed></object></div>
<p><br/>thirdeye-creditrepair.com United Credit Education Services offers access to clients enrolled in our Credit Restoration program access to there account 24/7 via secure log in at www.united-credit.org. Customers can track there progress as they go through the 5 rounds of disputes.<br/><br/>Maribel Veazie</div>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Credit Repair: How To in 5 Minutes</title>
		<link>http://creditscore411.org/education/credit-repair-how-to-in-5-minutes/</link>
		<comments>http://creditscore411.org/education/credit-repair-how-to-in-5-minutes/#comments</comments>
		<pubDate>Sat, 04 Feb 2012 00:06:15 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Education]]></category>
		<category><![CDATA[Credit Repair Guide]]></category>
		<category><![CDATA[Great Starting Point]]></category>
		<category><![CDATA[Score]]></category>

		<guid isPermaLink="false">http://creditscore411.org/education/credit-repair-how-to-in-5-minutes/</guid>
		<description><![CDATA[CreditRepairOrg asked: Learn how to repair your credit by www.creditrepair.org — the free and definitive credit repair guide. If you&#8217;ve had some credit problems in the past or you&#8217;re just wanting to improve your score overall, this guide is a great starting point. References www.creditkarma.com www.creditrepair.org www.annualcreditreport.com www.creditrepair.org www.creditrepair.orgKrysta Stant]]></description>
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<div><em><strong>CreditRepairOrg</strong> asked: </em><br/><br/>
<div class="cc_video"><object width="425" height="355"><param name="movie" value="http://www.youtube.com/v/t8gA2fhyTPQ&#038;hl=en"></param><param name="wmode" value="transparent"></param><embed src="http://www.youtube.com/v/t8gA2fhyTPQ&#038;hl=en" type="application/x-shockwave-flash" wmode="transparent" width="425" height="355"></embed></object></div>
<p><br/>Learn how to repair your credit by www.creditrepair.org — the free and definitive credit repair guide. If you&#8217;ve had some credit problems in the past or you&#8217;re just wanting to improve your score overall, this guide is a great starting point. References www.creditkarma.com www.creditrepair.org www.annualcreditreport.com www.creditrepair.org www.creditrepair.org<br/><br/>Krysta Stant</div>
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		<item>
		<title>A Home of Your Own : How Much Do I Need for a Down Payment?</title>
		<link>http://creditscore411.org/howto/a-home-of-your-own-how-much-do-i-need-for-a-down-payment-2/</link>
		<comments>http://creditscore411.org/howto/a-home-of-your-own-how-much-do-i-need-for-a-down-payment-2/#comments</comments>
		<pubDate>Sat, 04 Feb 2012 00:00:53 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Howto]]></category>
		<category><![CDATA[Kniss]]></category>
		<category><![CDATA[Richard Benton]]></category>
		<category><![CDATA[Series Description]]></category>

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		<description><![CDATA[expertvillage asked: Buying a home requires making some serious decisions that can greatly affect your future. Find out how much you need for a down payment with help from a financial adviser with this free video on real estate. Expert: Amy Kniss Bio: Amy Kniss&#8217; goal is to help people make smarter financial decisions, and [...]]]></description>
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<div><em><strong>expertvillage</strong> asked: </em><br/><br/>
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<p><br/>Buying a home requires making some serious decisions that can greatly affect your future. Find out how much you need for a down payment with help from a financial adviser with this free video on real estate. Expert: Amy Kniss Bio: Amy Kniss&#8217; goal is to help people make smarter financial decisions, and buying a home is among the biggest financial decisions most people make. Filmmaker: Richard Benton Series Description: A Home of Your Own is a series covering everything from calculating your budget, checking your credit score and exploring loan options to finding a Realtor, making an offer and closing the deal.<br/><br/>Ian Ogawa</div>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>Free Credit Report and get a real free FICO score</title>
		<link>http://creditscore411.org/education/free-credit-report-and-get-a-real-free-fico-score/</link>
		<comments>http://creditscore411.org/education/free-credit-report-and-get-a-real-free-fico-score/#comments</comments>
		<pubDate>Fri, 03 Feb 2012 22:37:54 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Education]]></category>
		<category><![CDATA[Free Fico Score]]></category>
		<category><![CDATA[Mortgage Lenders]]></category>
		<category><![CDATA[Score Estimator]]></category>

		<guid isPermaLink="false">http://creditscore411.org/education/free-credit-report-and-get-a-real-free-fico-score/</guid>
		<description><![CDATA[Sullythecreditguy asked: I am asked all the time where do I get a Free Credit Report? All of the adds on television and the internet have confused most people. Where do I go to get a free credit report? Well there is only one place to actually get a free credit report and a free [...]]]></description>
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<div><em><strong>Sullythecreditguy</strong> asked: </em><br/><br/>
<div class="cc_video"><object width="425" height="355"><param name="movie" value="http://www.youtube.com/v/gJNw1W9VmQc&#038;hl=en"></param><param name="wmode" value="transparent"></param><embed src="http://www.youtube.com/v/gJNw1W9VmQc&#038;hl=en" type="application/x-shockwave-flash" wmode="transparent" width="425" height="355"></embed></object></div>
<p><br/>I am asked all the time where do I get a Free Credit Report? All of the adds on television and the internet have confused most people. Where do I go to get a free credit report? Well there is only one place to actually get a free credit report and a free FICO score. it is at www.annualcreditreport.com Once you get your Free Credit Report then you can go to the Free FICO score estimator and plug in the data from the free credit report and get an actual Free FICO Score. The same score that mortgage lenders use to make a lending decision on a home. Go to www.myfico.com to Plugin the information from the free report and you will get a Free FICO score.<br/><br/>Clay Vaneffen</div>
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		<item>
		<title>All &#8216;Bout Credit &#8211; Episode 12 &#8211; &#8220;Maintaining Good Credit&#8221;</title>
		<link>http://creditscore411.org/education/all-bout-credit-episode-12-maintaining-good-credit/</link>
		<comments>http://creditscore411.org/education/all-bout-credit-episode-12-maintaining-good-credit/#comments</comments>
		<pubDate>Fri, 03 Feb 2012 02:06:46 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Education]]></category>
		<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[Nookie]]></category>
		<category><![CDATA[Video Series]]></category>

		<guid isPermaLink="false">http://creditscore411.org/education/all-bout-credit-episode-12-maintaining-good-credit/</guid>
		<description><![CDATA[creditinfocenter asked: In the wrap up of the 12-part video series, Kristy and Nookie talk about how to maintain Nookie&#8217;s good credit once he has successfully cleaned it up. Details on what goes into your credit score are discussed.Willard Trabold]]></description>
			<content:encoded><![CDATA[<div name="googleone_share_1" style="position:relative;z-index:5;float: right; margin-left: 10px;"><g:plusone size="standard" count="1" href="http://creditscore411.org/education/all-bout-credit-episode-12-maintaining-good-credit/"></g:plusone></div><div style="float:left; padding: 12px"></div>
<div><em><strong>creditinfocenter</strong> asked: </em><br/><br/>
<div class="cc_video"><object width="425" height="355"><param name="movie" value="http://www.youtube.com/v/riUybwCOIqQ&#038;hl=en"></param><param name="wmode" value="transparent"></param><embed src="http://www.youtube.com/v/riUybwCOIqQ&#038;hl=en" type="application/x-shockwave-flash" wmode="transparent" width="425" height="355"></embed></object></div>
<p><br/>In the wrap up of the 12-part video series, Kristy and Nookie talk about how to maintain Nookie&#8217;s good credit once he has successfully cleaned it up. Details on what goes into your credit score are discussed.<br/><br/>Willard Trabold</div>
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		<title>repair-credit-fast-8-secrets-intro</title>
		<link>http://creditscore411.org/people/repair-credit-fast-8-secrets-intro/</link>
		<comments>http://creditscore411.org/people/repair-credit-fast-8-secrets-intro/#comments</comments>
		<pubDate>Fri, 03 Feb 2012 01:42:56 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[People]]></category>
		<category><![CDATA[Credit Bureaus]]></category>
		<category><![CDATA[Credit Repair Companies]]></category>
		<category><![CDATA[Improve Credit]]></category>

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		<description><![CDATA[paynemdp asked: www.fixmyuglycredit.com Click link now to discover 8 secrets to a 680 credit score&#8230;. Stop debt collectors&#8230;and credit bureaus&#8230;and credit repair companies from trapping you in bad credit. Improve your credit scores fast. httpCaroyln Chamul]]></description>
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<div><em><strong>paynemdp</strong> asked: </em><br/><br/>
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<p><br/>www.fixmyuglycredit.com Click link now to discover 8 secrets to a 680 credit score&#8230;. Stop debt collectors&#8230;and credit bureaus&#8230;and credit repair companies from trapping you in bad credit. Improve your credit scores fast. http<br/><br/>Caroyln Chamul</div>
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