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	<title>Money Cake &#187; Credit Reporting</title>
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	<description>Helping people to improve their personal finance</description>
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		<title>Did You Know You Can Freeze Your Credit?</title>
		<link>http://money-cake.com/2010/04/did-you-know-you-can-freeze-your-credit/</link>
		<comments>http://money-cake.com/2010/04/did-you-know-you-can-freeze-your-credit/#comments</comments>
		<pubDate>Mon, 05 Apr 2010 20:29:59 +0000</pubDate>
		<dc:creator>P. Birmingham</dc:creator>
				<category><![CDATA[Credit Reporting]]></category>

		<guid isPermaLink="false">http://money-cake.com/?p=3346</guid>
		<description><![CDATA[If you want to protect your credit for fear of identity theft or you are a recent victim of identify theft credit freeze is a good way to immediately protect yourself. In a sense, this is like putting a padlock on your credit profile to protect your identity. A credit freeze, or security freeze, can [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Review Your Credit Report First Before Applying for a Loan</title>
		<link>http://money-cake.com/2009/10/review-your-credit-report-first-before-applying-for-a-loan/</link>
		<comments>http://money-cake.com/2009/10/review-your-credit-report-first-before-applying-for-a-loan/#comments</comments>
		<pubDate>Tue, 27 Oct 2009 18:43:49 +0000</pubDate>
		<dc:creator>P. Birmingham</dc:creator>
				<category><![CDATA[Credit Reporting]]></category>

		<guid isPermaLink="false">http://money-cake.com/?p=2932</guid>
		<description><![CDATA[If you are applying for a loan, obtaining a copy of your credit report is the first place you should start.&#160; Your credit report more than likely is the first thing a potential creditor will look it.&#160; Even if you pay your bills on time and have a good credit score you want to ensure [...]]]></description>
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		<title>What Lenders Look for In Your Credit Report</title>
		<link>http://money-cake.com/2009/09/what-lenders-look-for-in-your-credit-report/</link>
		<comments>http://money-cake.com/2009/09/what-lenders-look-for-in-your-credit-report/#comments</comments>
		<pubDate>Wed, 16 Sep 2009 16:27:20 +0000</pubDate>
		<dc:creator>P. Birmingham</dc:creator>
				<category><![CDATA[Credit Reporting]]></category>

		<guid isPermaLink="false">http://money-cake.com/?p=2587</guid>
		<description><![CDATA[Whenever you apply for a loan, the lender will evaluate your credit risk by trying to determine the likelihood you will make payments on time and pay off the loan.&#160; There are various things that they look at on your credit report to determine this. Number of Inquiries Lenders look at the number of &#8220;soft&#8221; [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Get Your Free Credit Report and Score at Quizzle.com</title>
		<link>http://money-cake.com/2009/05/get-your-free-credit-report-and-score-at-quizzlecom/</link>
		<comments>http://money-cake.com/2009/05/get-your-free-credit-report-and-score-at-quizzlecom/#comments</comments>
		<pubDate>Tue, 26 May 2009 23:39:35 +0000</pubDate>
		<dc:creator>P. Birmingham</dc:creator>
				<category><![CDATA[Credit Reporting]]></category>

		<guid isPermaLink="false">http://money-cake.com/?p=2054</guid>
		<description><![CDATA[Ann-Marie left a comment for the Article “Get Your Free Credit Score from Credit Karma” to check out Quizzle.com if you are shy about entering your Social Security Number to get your free credit score.&#160; She stated that Quizzle.com gives you a free Experian credit report and future scores every six months.&#160; As a result, [...]]]></description>
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		<slash:comments>5</slash:comments>
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		<title>Get Your Free Credit Score from Credit Karma</title>
		<link>http://money-cake.com/2009/05/get-your-free-credit-score-from-credit-karma/</link>
		<comments>http://money-cake.com/2009/05/get-your-free-credit-score-from-credit-karma/#comments</comments>
		<pubDate>Tue, 26 May 2009 03:28:12 +0000</pubDate>
		<dc:creator>P. Birmingham</dc:creator>
				<category><![CDATA[Credit Reporting]]></category>

		<guid isPermaLink="false">http://money-cake.com/?p=2037</guid>
		<description><![CDATA[Per the Fair Credit Reporting Act you are eligible for a free copy for your credit report every 12 months from each of the three reporting agencies (Equifax, Transunion and Experian).&#160; However, getting your credit score will cost you until now. Credit Karma now offers a free credit score from TransUnion.&#160; I just signed up [...]]]></description>
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		<slash:comments>6</slash:comments>
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		<title>No Risk Stock Market Investing with Absolute Return Notes</title>
		<link>http://money-cake.com/2009/03/no-risk-market-investing-using-absolute-return-notes/</link>
		<comments>http://money-cake.com/2009/03/no-risk-market-investing-using-absolute-return-notes/#comments</comments>
		<pubDate>Tue, 03 Mar 2009 01:05:15 +0000</pubDate>
		<dc:creator>P. Birmingham</dc:creator>
				<category><![CDATA[Credit Reporting]]></category>
		<category><![CDATA[Financial Tips]]></category>
		<category><![CDATA[Stocks]]></category>

		<guid isPermaLink="false">http://money-cake.com/?p=938</guid>
		<description><![CDATA[Do you know you can invest in the stock market with no risk of losing the money you initially invest?&#160; There’s a fairly new type of security called Absolute Return Notes which offers investors a chance to earn investment returns tied to the stock market’s performance, without risking any of the money invested.&#160; Your principal [...]]]></description>
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		<slash:comments>2</slash:comments>
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		<title>How is Your Credit Score Determined?</title>
		<link>http://money-cake.com/2008/08/how-is-your-credit-score-determined/</link>
		<comments>http://money-cake.com/2008/08/how-is-your-credit-score-determined/#comments</comments>
		<pubDate>Thu, 28 Aug 2008 00:12:11 +0000</pubDate>
		<dc:creator>P. Birmingham</dc:creator>
				<category><![CDATA[Credit Reporting]]></category>

		<guid isPermaLink="false">http://money-cake.com/?p=403</guid>
		<description><![CDATA[Your credit score, also called your FICO score, developed by the Fair Issac Corporation, is determined by the information on your credit report. Your credit score can change from month-to-month and is based on a variety of reasons such as how you pay your bills, loans you have, credit cards you may have opened, and [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>What is a Credit Report?</title>
		<link>http://money-cake.com/2008/08/what-is-a-credit-report/</link>
		<comments>http://money-cake.com/2008/08/what-is-a-credit-report/#comments</comments>
		<pubDate>Sun, 24 Aug 2008 18:42:23 +0000</pubDate>
		<dc:creator>P. Birmingham</dc:creator>
				<category><![CDATA[Credit Reporting]]></category>

		<guid isPermaLink="false">http://money-cake.com/?p=395</guid>
		<description><![CDATA[A Credit Report provides information about a persons credit collected by the credit bureaus (Experian, Equifax, and TransUnion) and by consumer reporting companies. Credit card companies, banks, and lenders buy credit reports to analyze consumer credit and payment history. Open and closed credit cards Past collections Home loans Auto loans Student loans Monthly utility bills [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Why Do Companies Offer Free Credit Reports?</title>
		<link>http://money-cake.com/2008/08/why-companies-offer-free-credit-reports/</link>
		<comments>http://money-cake.com/2008/08/why-companies-offer-free-credit-reports/#comments</comments>
		<pubDate>Sun, 03 Aug 2008 15:46:54 +0000</pubDate>
		<dc:creator>P. Birmingham</dc:creator>
				<category><![CDATA[Credit Reporting]]></category>

		<guid isPermaLink="false">http://money-cake.com/?p=233</guid>
		<description><![CDATA[There are numerous websites offering Free Credit Reports with the hopes of selling credit monitoring services to monitor credit reports for any changes that may affect someone’s credit score and help protect against identity theft. Credit monitoring costs from $10 to $30 per month depending on the level of service and features. Most companies will [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Monitor Your Personal Information</title>
		<link>http://money-cake.com/2008/07/protect-your-identity-credit-and-personal-information/</link>
		<comments>http://money-cake.com/2008/07/protect-your-identity-credit-and-personal-information/#comments</comments>
		<pubDate>Sun, 27 Jul 2008 02:50:17 +0000</pubDate>
		<dc:creator>P. Birmingham</dc:creator>
				<category><![CDATA[Credit Reporting]]></category>

		<guid isPermaLink="false">http://money-cake.com/?p=161</guid>
		<description><![CDATA[Protecting your identity and credit in today&#8217;s world is extremely important. Your credit tells people about your character. Whether you are purchasing a car, a home or even applying for a job, your credit most likely will be checked to determine your character. Your credit score answers the question, &#8220;Are you the type of person [...]]]></description>
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