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	<title>Creditinfocenter Blog &#187; Credit Cards</title>
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		<title>Become Debt Free by Changing Your Lifestye</title>
		<link>http://www.creditinfocenter.com/wordpress/2009/11/20/become-debt-free-by-changing-your-lifestye/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2009/11/20/become-debt-free-by-changing-your-lifestye/#comments</comments>
		<pubDate>Fri, 20 Nov 2009 15:00:34 +0000</pubDate>
		<dc:creator>Kristy Welsh</dc:creator>
				<category><![CDATA[Consumer Debt]]></category>
		<category><![CDATA[Debt Settlement]]></category>
		<category><![CDATA[analyze finances]]></category>
		<category><![CDATA[Checking Account]]></category>
		<category><![CDATA[commitment]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[debt eleimination]]></category>
		<category><![CDATA[Debt Free]]></category>
		<category><![CDATA[discipline]]></category>
		<category><![CDATA[financial freedom]]></category>
		<category><![CDATA[goals]]></category>

		<guid isPermaLink="false">http://www.creditinfocenter.com/wordpress/?p=5297</guid>
		<description><![CDATA[If you are looking to get out of debt, there are a number of paths you can take:  a better job, entrepreneurship or you may decide to reduce your existing spending habits. However you decide to do it, the path toward financial freedom is less important than the plan. 
You can&#8217;t become debt free [...]]]></description>
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		<title>How to Prepare for Credit Card Changes Effective in February</title>
		<link>http://www.creditinfocenter.com/wordpress/2009/11/16/prepare-for-credit-card-changes-effective-february/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2009/11/16/prepare-for-credit-card-changes-effective-february/#comments</comments>
		<pubDate>Mon, 16 Nov 2009 14:19:27 +0000</pubDate>
		<dc:creator>Cindy</dc:creator>
				<category><![CDATA[Credit Bureaus and Scores]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[CARD Act]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[Credit Card Accountability and Disclosure Act]]></category>
		<category><![CDATA[credit card law changes]]></category>

		<guid isPermaLink="false">http://www.creditinfocenter.com/wordpress/?p=5254</guid>
		<description><![CDATA[Come February 22, 2010, the second phase of the Credit Card Accountability and Disclosure Act (CARD Act) will formally be upon us. While there are certainly a number of positive provisions for consumers associated with the changes, the legislation is not without controversy. Opponents of the provisions have warned that many consumers, particularly those with [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>How Much Credit is Too Much?</title>
		<link>http://www.creditinfocenter.com/wordpress/2009/11/05/how-much-credit-is-too-much/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2009/11/05/how-much-credit-is-too-much/#comments</comments>
		<pubDate>Thu, 05 Nov 2009 12:00:37 +0000</pubDate>
		<dc:creator>Kristy Welsh</dc:creator>
				<category><![CDATA[Consumer Info]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Credit Reports]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Car Loans]]></category>
		<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[credit scoring]]></category>
		<category><![CDATA[debt ratios]]></category>
		<category><![CDATA[Fair Isaac]]></category>
		<category><![CDATA[FICO score]]></category>
		<category><![CDATA[number of accounts]]></category>
		<category><![CDATA[Payment History]]></category>
		<category><![CDATA[too much credit]]></category>
		<category><![CDATA[total available credit]]></category>

		<guid isPermaLink="false">http://www.creditinfocenter.com/wordpress/?p=4948</guid>
		<description><![CDATA[When starting your credit history from scratch, rebuilding from a bad financial period in your life, or if you have long established credit history, I get this question all the time, “How much credit is too much”? Or “How many credit cards should I have to have the best credit?” This is often a difficult question to answer, due to the black box nature of Fair Isaac’s FICO credit scoring model. ]]></description>
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		<title>Should I Ditch My Credit Cards?</title>
		<link>http://www.creditinfocenter.com/wordpress/2009/11/04/should-i-ditch-my-credit-cards/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2009/11/04/should-i-ditch-my-credit-cards/#comments</comments>
		<pubDate>Wed, 04 Nov 2009 12:00:13 +0000</pubDate>
		<dc:creator>Kristy Welsh</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[credit account]]></category>
		<category><![CDATA[Credit Crunch]]></category>
		<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[Economic Crisis]]></category>
		<category><![CDATA[emergencies]]></category>
		<category><![CDATA[FICO]]></category>
		<category><![CDATA[FICO scoring model]]></category>
		<category><![CDATA[home equity]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[savings rate]]></category>

		<guid isPermaLink="false">http://www.creditinfocenter.com/wordpress/?p=4913</guid>
		<description><![CDATA[With the credit crunch going on, there doesn&#8217;t seem to be much good news regarding people and their credit cards.  Many people burned by the credit markets are afraid to buy anything on credit.  The savings rate by the American people is the highest in 20 years.  Despite the alarming news, there [...]]]></description>
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