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	<title>CreditForums.org</title>
	<link>http://www.creditforums.org/blog</link>
	<description>A community for people who use credit.</description>
	<pubDate>Tue, 28 Aug 2007 02:35:06 +0000</pubDate>
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			<item>
		<title>Credit Bureau Contact Information</title>
		<link>http://www.creditforums.org/blog/credit-bureau-contact-information-17/</link>
		<comments>http://www.creditforums.org/blog/credit-bureau-contact-information-17/#comments</comments>
		<pubDate>Tue, 28 Aug 2007 02:34:24 +0000</pubDate>
		<dc:creator>Erik</dc:creator>
		
		<category><![CDATA[Credit Bureaus]]></category>

		<guid isPermaLink="false">http://www.creditforums.org/blog/credit-bureau-contact-information-17/</guid>
		<description><![CDATA[Equifax
P.O. Box 105518
Atlanta, GA 30374
1-800-685-1111
404-885-8000
http://www.equifax.com
TRW/Experian
P.O. Box 2002
Allen, TX 75013-2104
1-888-397-3742
714-830-7000
http://www.experian.com
TransUnion
P.O. Box 2000
Chester, PA 19022
1-800-888-4213
312-258-1818
http://www.transunion.com
]]></description>
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		<item>
		<title>Who Can Dispute a Credit Report?</title>
		<link>http://www.creditforums.org/blog/who-can-dispute-a-credit-report-16/</link>
		<comments>http://www.creditforums.org/blog/who-can-dispute-a-credit-report-16/#comments</comments>
		<pubDate>Tue, 28 Aug 2007 02:32:06 +0000</pubDate>
		<dc:creator>Erik</dc:creator>
		
		<category><![CDATA[Credit Repair]]></category>

		<category><![CDATA[Credit Reports]]></category>

		<guid isPermaLink="false">http://www.creditforums.org/blog/who-can-dispute-a-credit-report-16/</guid>
		<description><![CDATA[You may have heard many things about who exactly is legally able to dispute items on a consumer credit report.  While we aren&#8217;t lawyers and our ramblings shouldn&#8217;t be taken as legal advice, do you really believe there is a law that says you can&#8217;t tell a credit bureau they are off their rockers??
Of [...]]]></description>
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		</item>
		<item>
		<title>Typical Flow of a Credit Report Dispute</title>
		<link>http://www.creditforums.org/blog/typical-flow-of-a-credit-report-dispute-15/</link>
		<comments>http://www.creditforums.org/blog/typical-flow-of-a-credit-report-dispute-15/#comments</comments>
		<pubDate>Tue, 28 Aug 2007 02:16:58 +0000</pubDate>
		<dc:creator>Erik</dc:creator>
		
		<category><![CDATA[Credit Repair]]></category>

		<category><![CDATA[Credit Reports]]></category>

		<guid isPermaLink="false">http://www.creditforums.org/blog/typical-flow-of-a-credit-report-dispute-15/</guid>
		<description><![CDATA[If you hired a credit repair company or decided to dispute items on your credit report with the credit bureaus yourself, the process would look something like this:

Dispute letter sent to bureau.
Bureau receives dispute letter and opens investigation with your creditor.
Your creditor has 30 days to respond to the credit bureau.
Credit bureau then sends you [...]]]></description>
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		</item>
		<item>
		<title>What is Credit Repair?</title>
		<link>http://www.creditforums.org/blog/what-is-credit-repair-14/</link>
		<comments>http://www.creditforums.org/blog/what-is-credit-repair-14/#comments</comments>
		<pubDate>Tue, 28 Aug 2007 01:58:19 +0000</pubDate>
		<dc:creator>Erik</dc:creator>
		
		<category><![CDATA[Credit Repair]]></category>

		<category><![CDATA[Credit Reports]]></category>

		<guid isPermaLink="false">http://www.creditforums.org/blog/what-is-credit-repair-14/</guid>
		<description><![CDATA[As a continuing installation to our blog here at CreditForums.org, we&#8217;d like to touch on credit repair just a bit.  This is a hot topic among consumers, especially those with imperfect credit histories.  
So without further ado, let&#8217;s talk definitions.  Credit repair is usually considered the act of sending dispute letters to [...]]]></description>
		<wfw:commentRss>http://www.creditforums.org/blog/what-is-credit-repair-14/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Student Loans 101</title>
		<link>http://www.creditforums.org/blog/student-loans-101-13/</link>
		<comments>http://www.creditforums.org/blog/student-loans-101-13/#comments</comments>
		<pubDate>Sun, 11 Mar 2007 17:47:52 +0000</pubDate>
		<dc:creator>Erik</dc:creator>
		
		<category><![CDATA[Student Loans]]></category>

		<guid isPermaLink="false">http://www.creditforums.org/student-loans-101-13/</guid>
		<description><![CDATA[Education is vital in today&#8217;s competitive job market, and as such many people turn to student loans for help paying for their higher education.  Student loans often carry lower interest rates than other types of loans and they are often backed by the government.  Additionally, payment is usually deferred until the student graduates. [...]]]></description>
		<wfw:commentRss>http://www.creditforums.org/blog/student-loans-101-13/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Tips To A Good Credit Rating</title>
		<link>http://www.creditforums.org/blog/tips-to-a-good-credit-rating-12/</link>
		<comments>http://www.creditforums.org/blog/tips-to-a-good-credit-rating-12/#comments</comments>
		<pubDate>Wed, 14 Feb 2007 20:04:12 +0000</pubDate>
		<dc:creator>Erik</dc:creator>
		
		<category><![CDATA[Credit Ratings]]></category>

		<category><![CDATA[Credit Reports]]></category>

		<guid isPermaLink="false">http://www.creditforums.org/tips-to-a-good-credit-rating-12/</guid>
		<description><![CDATA[As most consumers eventually discover, credit ratings play a huge role in the ability to secure financing for large purchases like homes, cars, boats, jewelry, and other expensive items. Credit ratings also have an effect on less innocuous financing like credit cards and even savings and checking accounts. Following are a few tips to help [...]]]></description>
		<wfw:commentRss>http://www.creditforums.org/blog/tips-to-a-good-credit-rating-12/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Tips for Cleaning Up Your Credit Report</title>
		<link>http://www.creditforums.org/blog/tips-for-cleaning-up-your-credit-report-11/</link>
		<comments>http://www.creditforums.org/blog/tips-for-cleaning-up-your-credit-report-11/#comments</comments>
		<pubDate>Tue, 13 Feb 2007 00:01:35 +0000</pubDate>
		<dc:creator>Erik</dc:creator>
		
		<category><![CDATA[Credit Reports]]></category>

		<guid isPermaLink="false">http://www.creditforums.org/tips-for-cleaning-up-your-credit-report-11/</guid>
		<description><![CDATA[Many people have some form of bad credit. Negative items on your credit report can result in a higher cost of borrowing to you (interest rate) or even lower your chances for obtaining financing. However, bad credit is not the end of the world. There are even a few things you can do to clean [...]]]></description>
		<wfw:commentRss>http://www.creditforums.org/blog/tips-for-cleaning-up-your-credit-report-11/feed/</wfw:commentRss>
		</item>
		<item>
		<title>How to Contact Credit Bureaus</title>
		<link>http://www.creditforums.org/blog/how-to-contact-credit-bureaus-10/</link>
		<comments>http://www.creditforums.org/blog/how-to-contact-credit-bureaus-10/#comments</comments>
		<pubDate>Mon, 12 Feb 2007 23:53:47 +0000</pubDate>
		<dc:creator>Erik</dc:creator>
		
		<category><![CDATA[Credit Reports]]></category>

		<guid isPermaLink="false">http://www.creditforums.org/how-to-contact-credit-bureaus-10/</guid>
		<description><![CDATA[Here is a list of contact numbers for live people at the three major credit reporting agencies:
Trans Union - 312-258-1818
Experian - 714-830-7000
Equifax - 404-885-8000
Hat tip to Greg Phillips.
]]></description>
		<wfw:commentRss>http://www.creditforums.org/blog/how-to-contact-credit-bureaus-10/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Getting a Car Loan After Bankruptcy</title>
		<link>http://www.creditforums.org/blog/getting-a-car-loan-after-bankruptcy-8/</link>
		<comments>http://www.creditforums.org/blog/getting-a-car-loan-after-bankruptcy-8/#comments</comments>
		<pubDate>Fri, 05 Jan 2007 11:58:31 +0000</pubDate>
		<dc:creator>Erik</dc:creator>
		
		<category><![CDATA[Car Loans]]></category>

		<category><![CDATA[Bankruptcy]]></category>

		<guid isPermaLink="false">http://www.creditforums.org/getting-a-car-loan-after-bankruptcy-8/</guid>
		<description><![CDATA[Getting a car loan after you have filed for bankruptcy may be something you think is impossible. However, the truth is that there are many lenders around who will lend to you even the day after your bankruptcy is discharged. Following are a few tips to help you make the most of a situation none [...]]]></description>
		<wfw:commentRss>http://www.creditforums.org/blog/getting-a-car-loan-after-bankruptcy-8/feed/</wfw:commentRss>
		</item>
		<item>
		<title>How to Get a Free Credit Report</title>
		<link>http://www.creditforums.org/blog/how-to-get-a-free-credit-report-6/</link>
		<comments>http://www.creditforums.org/blog/how-to-get-a-free-credit-report-6/#comments</comments>
		<pubDate>Tue, 19 Dec 2006 05:58:25 +0000</pubDate>
		<dc:creator>Erik</dc:creator>
		
		<category><![CDATA[Credit Reports]]></category>

		<guid isPermaLink="false">http://www.creditforums.org/how-to-get-a-free-credit-report-6/</guid>
		<description><![CDATA[In the U.S., the Fair Credit Reporting Act (FCRA) provides the opportunity for everyone to get one free credit report each year from each of the three credit reporting bureaus (usually combined into a single report).  You can see what information the government has access to, along with businesses who you grant permission to [...]]]></description>
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