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	<title>Creditinfocenter Blog &#187; Credit Bureaus</title>
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	<description>For the Up To Date News</description>
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		<title>Is the Credit Scoring System Fair?  A Viewpoint Which Disagrees</title>
		<link>http://www.creditinfocenter.com/wordpress/2009/10/28/is-the-credit-scoring-system-fair-a-viewpoint-which-disagrees/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2009/10/28/is-the-credit-scoring-system-fair-a-viewpoint-which-disagrees/#comments</comments>
		<pubDate>Wed, 28 Oct 2009 12:00:45 +0000</pubDate>
		<dc:creator>Kristy Welsh</dc:creator>
				<category><![CDATA[Consumer Info]]></category>
		<category><![CDATA[Credit Reports]]></category>
		<category><![CDATA[Credit Bureaus]]></category>
		<category><![CDATA[credit scoring]]></category>
		<category><![CDATA[debt ratios]]></category>
		<category><![CDATA[employment]]></category>
		<category><![CDATA[Equifax]]></category>
		<category><![CDATA[Experian]]></category>
		<category><![CDATA[Fair Isaac]]></category>
		<category><![CDATA[FICO]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[paying history]]></category>
		<category><![CDATA[scoing model]]></category>
		<category><![CDATA[transunion]]></category>
		<category><![CDATA[VantageScore]]></category>

		<guid isPermaLink="false">http://www.creditinfocenter.com/wordpress/?p=4991</guid>
		<description><![CDATA[I&#8217;ve heard many people complain bitterly about the American credit scoring system.  There are many arguments for and against the system.  Yesterday, I talked about the merits of the credit scoring system.  Today I will give arguments against the system.  
Proponents of the system will argue the credit scoring system is [...]]]></description>
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		<slash:comments>2</slash:comments>
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		<title>Should Personally Guaranteed Business Credit Cards Appear on Your Credit Report?</title>
		<link>http://www.creditinfocenter.com/wordpress/2009/10/22/should-personally-guaranteed-business-credit-cards-appear-on-your-credit-report/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2009/10/22/should-personally-guaranteed-business-credit-cards-appear-on-your-credit-report/#comments</comments>
		<pubDate>Thu, 22 Oct 2009 14:13:52 +0000</pubDate>
		<dc:creator>Kristy Welsh</dc:creator>
				<category><![CDATA[Consumer Info]]></category>
		<category><![CDATA[Credit Bureaus and Scores]]></category>
		<category><![CDATA[Credit Reports]]></category>
		<category><![CDATA[business account]]></category>
		<category><![CDATA[business credit]]></category>
		<category><![CDATA[Credit Bureaus]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[credit law]]></category>
		<category><![CDATA[Dunn & Bradstreet]]></category>
		<category><![CDATA[Equifax]]></category>
		<category><![CDATA[Experian]]></category>
		<category><![CDATA[personal guarantees]]></category>
		<category><![CDATA[report to bureuas]]></category>

		<guid isPermaLink="false">http://www.creditinfocenter.com/wordpress/?p=4823</guid>
		<description><![CDATA[This question of whether business credit cards which are personally guaranteed should appear on your credit report recently came up on our discussion boards.  I myself have two business credit cards and each one is linked to my IRS-issued Employer Identification Number (EIN).  However, each card also required me to give my personal [...]]]></description>
		<wfw:commentRss>http://www.creditinfocenter.com/wordpress/2009/10/22/should-personally-guaranteed-business-credit-cards-appear-on-your-credit-report/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<item>
		<title>Multiple Credit Report Item Dispute &#8211; One Letter or Separate for Each?</title>
		<link>http://www.creditinfocenter.com/wordpress/2009/07/30/multiple-credit-report-item-dispute-one-letter-or-separate-for-each/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2009/07/30/multiple-credit-report-item-dispute-one-letter-or-separate-for-each/#comments</comments>
		<pubDate>Thu, 30 Jul 2009 15:44:09 +0000</pubDate>
		<dc:creator>Kristy Welsh</dc:creator>
				<category><![CDATA[Credit Repair]]></category>
		<category><![CDATA[certified mail]]></category>
		<category><![CDATA[certified mail return receipt requested]]></category>
		<category><![CDATA[Credit Bureaus]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[CRRR]]></category>
		<category><![CDATA[dispute letter]]></category>
		<category><![CDATA[negative itmes]]></category>
		<category><![CDATA[written receipt]]></category>

		<guid isPermaLink="false">http://www.creditinfocenter.com/wordpress/?p=2730</guid>
		<description><![CDATA[When disputing errors on a credit report, the question of whether a consumer should dispute all of the items in one letter or send a separate letter for each is a question which never fails to come up during the credit repair process.    
Q. I have 5 items I&#8217;d like to dispute [...]]]></description>
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		<slash:comments>2</slash:comments>
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		<title>Experian Cutting off Consumer Access to FICO Scores</title>
		<link>http://www.creditinfocenter.com/wordpress/2009/02/06/experian-cutting-off-consumer-access-to-fico-scores/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2009/02/06/experian-cutting-off-consumer-access-to-fico-scores/#comments</comments>
		<pubDate>Fri, 06 Feb 2009 15:12:43 +0000</pubDate>
		<dc:creator>Kristy Welsh</dc:creator>
				<category><![CDATA[Credit Bureaus and Scores]]></category>
		<category><![CDATA[Credit Reports]]></category>
		<category><![CDATA[Credit Bureaus]]></category>
		<category><![CDATA[Experian]]></category>
		<category><![CDATA[FACT Act]]></category>
		<category><![CDATA[FICO score]]></category>
		<category><![CDATA[myfico.com]]></category>
		<category><![CDATA[PLUS Score]]></category>
		<category><![CDATA[VantageScore]]></category>

		<guid isPermaLink="false">http://www.creditinfocenter.com/wordpress/2009/02/06/experian-cutting-off-consumer-access-to-fico-scores/</guid>
		<description><![CDATA[Yesterday, I was surprised by an announcement from Experian, who announced that after February 14, 2009, it will no longer offer the FICO score based on its credit database.  I consider this a move to force lenders and consumers to abandon the FICO credit score model developed by Fair Isaac and use instead the its [...]]]></description>
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		<slash:comments>4</slash:comments>
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