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	<title>Creditinfocenter Blog &#187; Payment History</title>
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	<description>For the Up To Date News</description>
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		<title>Is Unpaid Credit Card Debt Still Valid After Seven Years?</title>
		<link>http://www.creditinfocenter.com/wordpress/2011/04/22/is-unpaid-credit-card-debt-still-valid-after-seven-years/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2011/04/22/is-unpaid-credit-card-debt-still-valid-after-seven-years/#comments</comments>
		<pubDate>Fri, 22 Apr 2011 15:17:24 +0000</pubDate>
		<dc:creator>Kristy Welsh</dc:creator>
				<category><![CDATA[Consumer Debt]]></category>
		<category><![CDATA[Credit Reports]]></category>
		<category><![CDATA[collection agencies]]></category>
		<category><![CDATA[Credit card debt]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[credit reporting confusion]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debt expiration]]></category>
		<category><![CDATA[Payment History]]></category>
		<category><![CDATA[statutue of limitations]]></category>
		<category><![CDATA[zombie debt]]></category>

		<guid isPermaLink="false">http://www.creditinfocenter.com/wordpress/?p=12008</guid>
		<description><![CDATA[If you default on a credit card debt, the late pays and charge off from the default will stay on your credit report for 7 years. What about the debt? Once it comes off your credit report, do you still owe it? Credit Reporting Confusion A common misconception exists that credit card debt you owe [...]]]></description>
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		<title>Effects of Closing a Credit Card on Your Credit Score</title>
		<link>http://www.creditinfocenter.com/wordpress/2010/08/24/effects-of-closing-a-credit-card-on-your-credit-score/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2010/08/24/effects-of-closing-a-credit-card-on-your-credit-score/#comments</comments>
		<pubDate>Tue, 24 Aug 2010 15:17:58 +0000</pubDate>
		<dc:creator>Kristy Welsh</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Credit Reports]]></category>
		<category><![CDATA[closing a credit card]]></category>
		<category><![CDATA[Credit History]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[Debt to Credit Ratio]]></category>
		<category><![CDATA[effect on credit score]]></category>
		<category><![CDATA[FICO]]></category>
		<category><![CDATA[Number of Cards]]></category>
		<category><![CDATA[Payment History]]></category>
		<category><![CDATA[Vantage Score]]></category>

		<guid isPermaLink="false">http://www.creditinfocenter.com/wordpress/?p=9642</guid>
		<description><![CDATA[So you want to close a credit card but have heard that it might hurt your credit score. How much will it hurt? If I had a nickle for every time someone asked me what effect doing X or doing Y would have on their credit score, I would be able to take a very [...]]]></description>
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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[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>What Goes into Your Credit Score?</title>
		<link>http://www.creditinfocenter.com/wordpress/2008/11/19/what-goes-into-your-credit-score/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2008/11/19/what-goes-into-your-credit-score/#comments</comments>
		<pubDate>Wed, 19 Nov 2008 14:18:41 +0000</pubDate>
		<dc:creator>Kristy Welsh</dc:creator>
				<category><![CDATA[Credit Reports]]></category>
		<category><![CDATA[Amounts Owed]]></category>
		<category><![CDATA[Credit History]]></category>
		<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[Fair Isaac]]></category>
		<category><![CDATA[New Credit]]></category>
		<category><![CDATA[Payment History]]></category>
		<category><![CDATA[Vantage Score]]></category>

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		<description><![CDATA[I get asked this question a lot: &#8220;If I do X, how many points will my credit score go up?&#8221; The truth is, no one knows EXACTLY, except for the creator of the FICO score, Fair Isaac and the creators of the other scoring system, VantageScore. VantageScore was created by the credit bureaus in an [...]]]></description>
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