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<title>Featured Articles about Credit by Creditnet.com</title>
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<description>Featured articles written by Creditnet staff to inform, educate, and empower consumers.</description>
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<pubDate>Sat, 15 Nov 2008 13:38:35 -0800</pubDate>
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	<title>Checking Your Credit Report for Signs of Identity Theft</title>
	<link>http://www.creditnet.com/articles/checking-your-credit-report-for-signs-of-identity-theft.php</link>
	<description><![CDATA[Most of us have seen the clever <a href="http://www.citibank.com/us/index.htm" target="new" class="hidden">Citibank</a> commercials that portray identity theft victims boasting about illegal purchases with dubbed voices that are clearly not their own. While entertaining and just plain funny, these ads have also helped raise consumer awareness of the real dangers associated with...]]></description>
	<pubDate>Fri, 14 Nov 2008 00:00:00 -0800</pubDate>
</item>
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	<title>Don't Become a Foreclosure Statistic</title>
	<link>http://www.creditnet.com/articles/dont-become-a-foreclosure-statistic.php</link>
	<description><![CDATA[Home foreclosures rose to the highest level on record in the third quarter of 2008, according to <a href="http://www.realtytrac.com/" target="new" class="hidden">RealtyTrac</a>, a leading online real estate marketplace and publisher of the country's largest and most comprehensive foreclosure database.  In fact, a total of 765,558 owners were notified of a...]]></description>
	<pubDate>Mon, 03 Nov 2008 00:00:00 -0800</pubDate>
</item>
<item>
	<title>Your Credit GPA: 3 Must-Know Credit Concepts for Students</title>
	<link>http://www.creditnet.com/articles/your-credit-gpa-3-must-know-credit-concepts-for-students.php</link>
	<description><![CDATA[Isn't it about time you gained some Credit¢ents?  Perhaps you've never had to worry about credit before, but now you're off on your own and it seems like you're bombarded with credit card offers everywhere you go.  What should you do?  You opened a checking account at...]]></description>
	<pubDate>Fri, 17 Oct 2008 00:00:00 -0700</pubDate>
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	<title>What To Do When Someone Steals Your Identity</title>
	<link>http://www.creditnet.com/articles/what-to-do-when-someone-steals-your-identity.php</link>
	<description><![CDATA[Think you're having a bad day? Stuck in traffic, late for work, your kid is flunking math, the kitchen is a mess after dropping an egg? Well, you can relax and count your blessings. Because as horrible as those days might be, they pale in comparison to the ulcer-inducing rush...]]></description>
	<pubDate>Thu, 09 Oct 2008 00:00:00 -0700</pubDate>
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<item>
	<title>Beware of High-Tech Identity Theft Tactics </title>
	<link>http://www.creditnet.com/articles/beware-of-high-tech-identity-theft-tactics.php</link>
	<description><![CDATA[For the eighth year in a row, identity theft led the way in 2007 as "the number one consumer complaint category".  The <a href="http://www.ftc.gov/" target="new" class="hidden">Federal Trade Commission's</a> list of Top Consumer Fraud Complaints also reported that the most common form of identity theft was credit card fraud, which...]]></description>
	<pubDate>Sun, 21 Sep 2008 00:00:00 -0700</pubDate>
</item>
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	<title>How to Cancel Credit Cards the Right Way</title>
	<link>http://www.creditnet.com/articles/how-to-cancel-credit-cards-the-right-way.php</link>
	<description><![CDATA[If your goal is to improve your credit score, closing credit card accounts is not going to help.  However, there are various legitimate reasons for closing credit lines.  For instance, if you already have credit problems and you know that an open credit card will only tempt you...]]></description>
	<pubDate>Thu, 04 Sep 2008 00:00:00 -0700</pubDate>
</item>
<item>
	<title>The Payment Allocation Provision - A Credit Card Company's Best Friend</title>
	<link>http://www.creditnet.com/articles/payment-allocation-provision-a-credit-card-companys-best-friend.php</link>
	<description><![CDATA[It makes logical sense that consumers should have the power to choose how their payments apply to credit card debt.  Of course, some must go towards paying interest charges if a balance is carried, but the rest of the payment should be applied to the debt with the highest...]]></description>
	<pubDate>Tue, 19 Aug 2008 00:00:00 -0700</pubDate>
</item>
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	<title>Five Credit Card Tips for College-Bound Millennials</title>
	<link>http://www.creditnet.com/articles/five-credit-card-tips-for-college-bound-millennials.php</link>
	<description><![CDATA[It's that time of year again.  A summer full of partying, baking in the sun, and maybe even a job (heaven forbid) is coming to a close for hundreds of thousands of college-bound Millennials.<br/><br/>Retail companies love them because they are prepping for the big move by spending, or convincing...]]></description>
	<pubDate>Fri, 01 Aug 2008 00:00:00 -0700</pubDate>
</item>
<item>
	<title>How to Choose and Use a Balance Transfer Credit Card</title>
	<link>http://www.creditnet.com/articles/how-to-choose-balance-transfer-card.php</link>
	<description><![CDATA[Advertisements promoting zero-percent balance transfer offers can look quite appealing when high-interest credit card debt is keeping you up at night.  What could be better than transferring your debt to a credit card that won't charge any interest for a year or more?  Apart from stumbling upon a...]]></description>
	<pubDate>Thu, 17 Jul 2008 00:00:00 -0700</pubDate>
</item>
<item>
	<title>Reduced Credit Card Limits Hurt Consumer Credit Scores</title>
	<link>http://www.creditnet.com/articles/credit-scores-hurt-by-reduced-card-limits.php</link>
	<description><![CDATA[We spend a great deal of time in the credit industry educating consumers about <a href="http://consumers.creditnet.com/Library/Credit_Card_FAQ/what-is-credit-utilization.ccfaq_031.php">credit utilization</a> and explaining why it's important to understand the term.  As banks and other card lenders are currently reducing credit limits for tens of thousands of consumers across the country, we are once...]]></description>
	<pubDate>Sun, 06 Jul 2008 00:00:00 -0700</pubDate>
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	<title>Experian Implements New Credit Scoring Model: Authorized User Accounts Dropped</title>
	<link>http://www.creditnet.com/articles/new-credit-scoring-model-authorized-user-accounts.php</link>
	<description><![CDATA[The <a href="http://www.fairisaac.com/fic/en" class="hidden">Fair Isaac Corporation</a> announced a major change in 2007 to their credit scoring formula, which ignited quite a bit of controversy and anticipation throughout the industry over the past year.   The lending world does not see these types of changes often, so one can imagine the amount...]]></description>
	<pubDate>Fri, 27 Jun 2008 00:00:00 -0700</pubDate>
</item>
<item>
	<title>Beware of Credit Card Currency Conversion Fees!</title>
	<link>http://www.creditnet.com/articles/beware-of-credit-card-currency-conversion-fees.php</link>
	<description><![CDATA[As credit card issuers continue to look for additional ways to boost fee revenue in the midst of the credit crisis, consumers traveling overseas should pay special attention to foreign currency-conversion fees.  Virtually every credit card charges a transaction fee for processing a purchase made outside the United States....]]></description>
	<pubDate>Mon, 02 Jun 2008 00:00:00 -0700</pubDate>
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	<title>Top 10 Things You Can Do Today to Improve Your Credit</title>
	<link>http://www.creditnet.com/articles/top-10-things-you-can-do-today-to-improve-your-credit.php</link>
	<description><![CDATA[The most difficult part about beginning a new exercise routine is often getting your butt off the couch to go to the gym.   Yes, those endless reruns of &quot;America's Next Top Model&quot; can be quite hypnotizing; but think about how great you will feel once you see the...]]></description>
	<pubDate>Mon, 26 May 2008 00:00:00 -0700</pubDate>
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	<title>The Fed Cracks Down on Credit Card Companies - Too Little Too Late?</title>
	<link>http://www.creditnet.com/articles/the-fed-cracks-down-on-credit-card-companies.php</link>
	<description><![CDATA[In early May the Fed issued several new proposals designed to protect consumers by restricting various credit card billing practices and requiring more clarity in disclosure of costs.  The <a href='http://www.federalreserve.gov/' class='hidden' target='new'>US Federal Reserve</a> Chairman, Ben Bernanke, stated the proposals are &quot;intended to establish a new baseline for...]]></description>
	<pubDate>Mon, 19 May 2008 00:00:00 -0700</pubDate>
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