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	<title>Creditinfocenter Blog &#187; credit report</title>
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	<description>For the Up To Date News</description>
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		<title>Your Personal Info &#8211; 7 Free Reports You Need to See</title>
		<link>http://www.creditinfocenter.com/wordpress/2009/09/22/your-personal-info-7-free-reports-you-need-to-see/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2009/09/22/your-personal-info-7-free-reports-you-need-to-see/#comments</comments>
		<pubDate>Tue, 22 Sep 2009 13:40:46 +0000</pubDate>
		<dc:creator>Kristy Welsh</dc:creator>
				<category><![CDATA[Consumer Info]]></category>
		<category><![CDATA[Credit Bureaus and Scores]]></category>
		<category><![CDATA[annualcreditreport.com]]></category>
		<category><![CDATA[Chexsystems]]></category>
		<category><![CDATA[choicepoint]]></category>
		<category><![CDATA[choicetrust]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[Health History]]></category>
		<category><![CDATA[personal info]]></category>
		<category><![CDATA[Rental History]]></category>
		<category><![CDATA[Retail Equation]]></category>
		<category><![CDATA[Telecheck]]></category>

		<guid isPermaLink="false">http://www.creditinfocenter.com/wordpress/?p=3916</guid>
		<description><![CDATA[A credit report is probably the most well-known, widely used tool for that various institutions will utilize to obtain personal information about an individual that they are considering providing a loan, a place to live, or employment to. But there are a number of other reports that can be accessed at no charge which provide information [...]]]></description>
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		<title>My Equifax Credit Report has Disappeared</title>
		<link>http://www.creditinfocenter.com/wordpress/2009/09/09/my-equifax-credit-report-has-disappeared/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2009/09/09/my-equifax-credit-report-has-disappeared/#comments</comments>
		<pubDate>Wed, 09 Sep 2009 15:09:07 +0000</pubDate>
		<dc:creator>Kristy Welsh</dc:creator>
				<category><![CDATA[Credit Bureaus and Scores]]></category>
		<category><![CDATA[Credit Repair]]></category>
		<category><![CDATA[Credit Reports]]></category>
		<category><![CDATA[credit information]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[Equifax]]></category>
		<category><![CDATA[Experian]]></category>
		<category><![CDATA[fraud]]></category>
		<category><![CDATA[Inquiries]]></category>
		<category><![CDATA[Social Secuirty Number]]></category>
		<category><![CDATA[split file]]></category>

		<guid isPermaLink="false">http://www.creditinfocenter.com/wordpress/?p=3686</guid>
		<description><![CDATA[Q.I have totally disappeared from Equifax and have no report from them, I do not know why this has happened. &#160;I discovered this while trying to get a VA mortgage from a loan officer who also could not find it. 
My Experian report has me at a 640 and TransUnion only has me at a [...]]]></description>
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		<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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		<title>Do Collection Agency &#8220;Cease and Desist&#8221; Letters Prevent Response to Credit Disputes?</title>
		<link>http://www.creditinfocenter.com/wordpress/2009/07/10/do-collection-agency-cease-and-desist-letters-prevent-response-to-credit-disputes/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2009/07/10/do-collection-agency-cease-and-desist-letters-prevent-response-to-credit-disputes/#comments</comments>
		<pubDate>Fri, 10 Jul 2009 10:00:06 +0000</pubDate>
		<dc:creator>Kristy Welsh</dc:creator>
				<category><![CDATA[Consumer Debt]]></category>
		<category><![CDATA[Debt Collection]]></category>
		<category><![CDATA[Legal Stuff]]></category>
		<category><![CDATA[cease and desist]]></category>
		<category><![CDATA[collection agency]]></category>
		<category><![CDATA[consumers]]></category>
		<category><![CDATA[credit disputes]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[FCRA]]></category>
		<category><![CDATA[FDCPA]]></category>
		<category><![CDATA[FTC]]></category>
		<category><![CDATA[information furnishers]]></category>
		<category><![CDATA[investigation request]]></category>
		<category><![CDATA[written request]]></category>

		<guid isPermaLink="false">http://www.creditinfocenter.com/wordpress/?p=2315</guid>
		<description><![CDATA[The FDCPA was written with an eye towards protecting consumers from collection agency harassment.  Under the FDCPA, a collection agency must cease communication with a consumer upon written request from that consumer.  
Under the Fair Credit Reporting Act, consumers are allowed to directly dispute negative listings with information furnishers.  An example of [...]]]></description>
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		<slash:comments>4</slash:comments>
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