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	<title>Credit Repair Blog</title>
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	<link>http://www.creditblossom.com/credit-repair-blog</link>
	<description>Your Credit Repair Corner</description>
	<lastBuildDate>Thu, 19 Apr 2012 15:59:25 +0000</lastBuildDate>
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		<item>
		<title>New Year&#8217;s resolution: Lower your monthly payments</title>
		<link>http://www.creditblossom.com/credit-repair-blog/new-years-resolution-lower-your-monthly-payments/</link>
		<comments>http://www.creditblossom.com/credit-repair-blog/new-years-resolution-lower-your-monthly-payments/#comments</comments>
		<pubDate>Thu, 19 Apr 2012 15:59:25 +0000</pubDate>
		<dc:creator>GuestPost</dc:creator>
				<category><![CDATA[Auto Loans]]></category>
		<category><![CDATA[auto loan]]></category>
		<category><![CDATA[refinancing your auto loan]]></category>

		<guid isPermaLink="false">http://www.creditblossom.com/credit-repair-blog/?p=363</guid>
		<description><![CDATA[By Brad Swain New Year’s is a time for big changes, getting back on track – and yet another opportunity to maximize that gym membership. No matter what your well-intentioned New Year’s resolutions may be, hard economic times can bring big financial changes. Thankfully, hope abounds in 2012. One of the most overlooked areas of <a href='http://www.creditblossom.com/credit-repair-blog/new-years-resolution-lower-your-monthly-payments/'>[...full post]</a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Correct Way to Use Credit Building Credit Cards</title>
		<link>http://www.creditblossom.com/credit-repair-blog/the-correct-way-to-use-credit-building-credit-cards/</link>
		<comments>http://www.creditblossom.com/credit-repair-blog/the-correct-way-to-use-credit-building-credit-cards/#comments</comments>
		<pubDate>Wed, 22 Jun 2011 04:32:56 +0000</pubDate>
		<dc:creator>Matthew</dc:creator>
				<category><![CDATA[Credit Building Help]]></category>
		<category><![CDATA[Credit Repair]]></category>
		<category><![CDATA[Self Credit Repair]]></category>
		<category><![CDATA[credit building]]></category>
		<category><![CDATA[credit building credit cards]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[good credit building]]></category>
		<category><![CDATA[how to build credit]]></category>
		<category><![CDATA[repair credit score]]></category>

		<guid isPermaLink="false">http://www.creditblossom.com/credit-repair-blog/?p=356</guid>
		<description><![CDATA[If you have credit problems, you will need to build good credit. There is no substitute for having good credit on your credit report. Many people have gotten in trouble with credit cards. Myself included! But the fact of the matter is everyone needs to use a credit card if you need to build good credit and if you are repairing your credit - you need to build good credit. It is simply part of the process and you have to accept it or you are not going to get where you need to be.]]></description>
		<wfw:commentRss>http://www.creditblossom.com/credit-repair-blog/the-correct-way-to-use-credit-building-credit-cards/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Bad Credit Car Buying</title>
		<link>http://www.creditblossom.com/credit-repair-blog/bad-credit-car-buying/</link>
		<comments>http://www.creditblossom.com/credit-repair-blog/bad-credit-car-buying/#comments</comments>
		<pubDate>Tue, 24 May 2011 03:40:48 +0000</pubDate>
		<dc:creator>Matthew</dc:creator>
				<category><![CDATA[Auto Loans]]></category>
		<category><![CDATA[Credit Building Help]]></category>
		<category><![CDATA[Credit Repair]]></category>
		<category><![CDATA[bad credit auto loans]]></category>
		<category><![CDATA[bad credit car buying]]></category>

		<guid isPermaLink="false">http://www.creditblossom.com/credit-repair-blog/?p=345</guid>
		<description><![CDATA[The biggest thing creditors/lenders look at when you are trying to get financed on anything is how you pay your other debts and whether or not you can handle the payment. Have you had other loans that you have paid as agreed that have had similar payment? If you are coming out of a bankruptcy and you have not re-established credit, you are going to run into problems even if your income is enough to be able to afford the car payment the dealership is proposing.]]></description>
		<wfw:commentRss>http://www.creditblossom.com/credit-repair-blog/bad-credit-car-buying/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Credit Bureau Disputes: Some Things to Know About Credit Repair Letters and How They Work</title>
		<link>http://www.creditblossom.com/credit-repair-blog/credit-bureau-disputes-some-things-to-know-about-credit-repair-letters-and-how-they-work/</link>
		<comments>http://www.creditblossom.com/credit-repair-blog/credit-bureau-disputes-some-things-to-know-about-credit-repair-letters-and-how-they-work/#comments</comments>
		<pubDate>Thu, 03 Mar 2011 22:57:46 +0000</pubDate>
		<dc:creator>Matthew</dc:creator>
				<category><![CDATA[Credit Repair]]></category>
		<category><![CDATA[Credit Repair Software]]></category>
		<category><![CDATA[Credit Report]]></category>
		<category><![CDATA[Self Credit Repair]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit disputing]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[credit repair guide]]></category>
		<category><![CDATA[credit repair help]]></category>
		<category><![CDATA[id page]]></category>
		<category><![CDATA[self credit repair]]></category>

		<guid isPermaLink="false">http://www.creditblossom.com/credit-repair-blog/?p=336</guid>
		<description><![CDATA[The first thing you need to be careful not to fall into is ‘information overload’ when you are figuring out how to dispute your credit report or how to write credit dispute letters. There is a ton of information on the web about credit repair in general and about dispute letters. However, pretty much everyone says the same thing. ]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Credit Repair is Easy if you have the Right Tools and Information</title>
		<link>http://www.creditblossom.com/credit-repair-blog/credit-repair-is-easy-if-you-have-the-right-tools-and-information/</link>
		<comments>http://www.creditblossom.com/credit-repair-blog/credit-repair-is-easy-if-you-have-the-right-tools-and-information/#comments</comments>
		<pubDate>Wed, 02 Mar 2011 20:54:33 +0000</pubDate>
		<dc:creator>Matthew</dc:creator>
				<category><![CDATA[Credit Repair]]></category>

		<guid isPermaLink="false">http://www.creditblossom.com/credit-repair-blog/?p=332</guid>
		<description><![CDATA[If you really need to repair your credit, you should try it on your own first before you spend a ton of money with a credit repair company.]]></description>
		<wfw:commentRss>http://www.creditblossom.com/credit-repair-blog/credit-repair-is-easy-if-you-have-the-right-tools-and-information/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Paid Collections are easy to get removed from your credit report and that helps!</title>
		<link>http://www.creditblossom.com/credit-repair-blog/paid-collections-are-easy-to-get-removed-from-your-credit-report-and-that-helps/</link>
		<comments>http://www.creditblossom.com/credit-repair-blog/paid-collections-are-easy-to-get-removed-from-your-credit-report-and-that-helps/#comments</comments>
		<pubDate>Tue, 01 Mar 2011 22:24:22 +0000</pubDate>
		<dc:creator>Matthew</dc:creator>
				<category><![CDATA[Credit Repair]]></category>
		<category><![CDATA[Debt Collections]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[disputing paid collections]]></category>
		<category><![CDATA[paid collections]]></category>

		<guid isPermaLink="false">http://www.creditblossom.com/credit-repair-blog/?p=319</guid>
		<description><![CDATA[Don't let your paid collections keep your credit score down. You might think that since they show up as paid on your credit report that they are no longer affecting your credit score. This really isn't the case since they factor into your overall credit profile.]]></description>
		<wfw:commentRss>http://www.creditblossom.com/credit-repair-blog/paid-collections-are-easy-to-get-removed-from-your-credit-report-and-that-helps/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Credit Card Consolidation- The Fastest Way to Defeat the Debt Trap</title>
		<link>http://www.creditblossom.com/credit-repair-blog/credit-card-consolidation-the-fastest-way-to-defeat-the-debt-trap/</link>
		<comments>http://www.creditblossom.com/credit-repair-blog/credit-card-consolidation-the-fastest-way-to-defeat-the-debt-trap/#comments</comments>
		<pubDate>Thu, 17 Feb 2011 16:43:25 +0000</pubDate>
		<dc:creator>Matthew</dc:creator>
				<category><![CDATA[General]]></category>

		<guid isPermaLink="false">http://www.creditblossom.com/credit-repair-blog/?p=308</guid>
		<description><![CDATA[If you are knee deep in debt and facing trouble paying your credit card bills, you should look into a debt consolidation program. To get a fast relief from creditors warning notices, collection agency’s harassment and bankruptcy nightmares, you should consider a credit card debt consolidation program.]]></description>
		<wfw:commentRss>http://www.creditblossom.com/credit-repair-blog/credit-card-consolidation-the-fastest-way-to-defeat-the-debt-trap/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Disputing &#8216;Paid Off&#8217; Collections</title>
		<link>http://www.creditblossom.com/credit-repair-blog/disputing-paid-off-collections/</link>
		<comments>http://www.creditblossom.com/credit-repair-blog/disputing-paid-off-collections/#comments</comments>
		<pubDate>Tue, 08 Feb 2011 22:33:59 +0000</pubDate>
		<dc:creator>Matthew</dc:creator>
				<category><![CDATA[AnnualCreditReport.com]]></category>
		<category><![CDATA[Credit Repair]]></category>
		<category><![CDATA[Credit Repair Companies]]></category>
		<category><![CDATA[Credit Repair Software]]></category>
		<category><![CDATA[Credit Report]]></category>
		<category><![CDATA[Debt Collections]]></category>
		<category><![CDATA[Self Credit Repair]]></category>
		<category><![CDATA[collection]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit disputing]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[credit repair 101]]></category>
		<category><![CDATA[credit repair letters]]></category>
		<category><![CDATA[credit repair software]]></category>
		<category><![CDATA[Free Credit Report]]></category>

		<guid isPermaLink="false">http://www.creditblossom.com/credit-repair-blog/?p=298</guid>
		<description><![CDATA[Ok, so let me get to the point of why I would devote one blog post to this subject. If you have collections on your credit report that show a balance even though you have paid them off, they are obviously hurting your credit profile. On top of that, if you have collections on your credit report that you have paid off and they show no balance they often report with a bad 'rating'. ]]></description>
		<wfw:commentRss>http://www.creditblossom.com/credit-repair-blog/disputing-paid-off-collections/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Dealing with Bad Debts: How do you do it?</title>
		<link>http://www.creditblossom.com/credit-repair-blog/dealing-with-bad-debts-how-do-you-do-it/</link>
		<comments>http://www.creditblossom.com/credit-repair-blog/dealing-with-bad-debts-how-do-you-do-it/#comments</comments>
		<pubDate>Tue, 01 Feb 2011 17:52:29 +0000</pubDate>
		<dc:creator>Matthew</dc:creator>
				<category><![CDATA[General]]></category>

		<guid isPermaLink="false">http://www.creditblossom.com/credit-repair-blog/?p=292</guid>
		<description><![CDATA[Credit repair is really effective after a bankruptcy or after you have settled with your creditors. Very very frequently, creditors or collectors will not report back to the credit bureaus correctly after your bankruptcy was discharged. This actually works in your favor. When you dispute these accounts after your settlement or bankruptcy, the creditors will often not bother to respond because they can gain nothing by responding. The end result is that you will get a lot of items deleted from your credit report that you included in your bankruptcy.]]></description>
		<wfw:commentRss>http://www.creditblossom.com/credit-repair-blog/dealing-with-bad-debts-how-do-you-do-it/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Self Growth and Your Credit</title>
		<link>http://www.creditblossom.com/credit-repair-blog/self-growth-and-your-credit/</link>
		<comments>http://www.creditblossom.com/credit-repair-blog/self-growth-and-your-credit/#comments</comments>
		<pubDate>Fri, 21 Jan 2011 20:20:29 +0000</pubDate>
		<dc:creator>Matthew</dc:creator>
				<category><![CDATA[General]]></category>

		<guid isPermaLink="false">http://www.creditblossom.com/credit-repair-blog/?p=288</guid>
		<description><![CDATA[Don&#8217;t let your credit stand in the way of your own personal self growth. Your life can and will seriously improve when you get your credit troubles in order. There is no reason to wait on this. Don&#8217;t procrastinate! I want to give you a little pep talk here!  I hope you don&#8217;t mind! You <a href='http://www.creditblossom.com/credit-repair-blog/self-growth-and-your-credit/'>[...full post]</a>]]></description>
		<wfw:commentRss>http://www.creditblossom.com/credit-repair-blog/self-growth-and-your-credit/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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