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	<title>Creditinfocenter Blog &#187; credit scoring</title>
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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>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>Red or White Wine? Your Choice Might Affect Your Credit Score&#8230;</title>
		<link>http://www.creditinfocenter.com/wordpress/2008/06/30/red-or-white-your-choice-might-affect-your-credit-score/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2008/06/30/red-or-white-your-choice-might-affect-your-credit-score/#comments</comments>
		<pubDate>Mon, 30 Jun 2008 15:16:32 +0000</pubDate>
		<dc:creator>Cindy</dc:creator>
				<category><![CDATA[Credit Bureaus and Scores]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Credit Reports]]></category>
		<category><![CDATA[CompuCredit]]></category>
		<category><![CDATA[consumer spending habits]]></category>
		<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[credit scoring]]></category>
		<category><![CDATA[cut credit lines]]></category>
		<category><![CDATA[FTC lawsuit]]></category>
		<category><![CDATA[scoring models]]></category>

		<guid isPermaLink="false">http://www.creditinfocenter.com/wordpress/2008/06/30/red-or-white-your-choice-might-affect-your-credit-score/</guid>
		<description><![CDATA[Ok, that might be a bit extreme, but according to a recent article in businessweek, the lifestyle choices a consumer makes as far as spending habits may even affect their credit score.
It&#8217;s fairly common knowledge that some major factors that influence credit scores involve occupation, payment histories, public records, ratio of balance to available credit [...]]]></description>
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