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                    <title><![CDATA[ Latest from Kiplinger in Credit-reports ]]></title>
                <link>https://www.kiplinger.com/personal-finance/credit-debt/loans/credit-reports</link>
        <description><![CDATA[ All the latest credit-reports content from the Kiplinger team ]]></description>
                                    <lastBuildDate>Tue, 30 Dec 2025 14:15:00 +0000</lastBuildDate>
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                                <item>
                                                            <title><![CDATA[ Should You Use Buy Now, Pay Later Options to Finance Your Vacation?  ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/travel/should-you-use-buy-now-pay-later-options-finance-vacation</link>
                                                                            <description>
                            <![CDATA[ Many travel companies are letting users pay in installments. But is "buy now, pay later" a smart financial decision? ]]>
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                                                                        <pubDate>Tue, 30 Dec 2025 14:15:00 +0000</pubDate>                                                                                                                                <updated>Tue, 30 Dec 2025 14:20:05 +0000</updated>
                                                                                                                                            <category><![CDATA[Travel]]></category>
                                                    <category><![CDATA[Credit Reports]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Spending]]></category>
                                                    <category><![CDATA[Leisure]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Becca van Sambeck ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/AEkjzaV4DMUru7ddL2DH5Y-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Close-up of wooden blocks spelling BNPL placed on stacks of coins.]]></media:description>                                                            <media:text><![CDATA[Close-up of wooden blocks spelling BNPL placed on stacks of coins.]]></media:text>
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                                                            <title><![CDATA[ Credit Score News Could Help First-Time Homebuyers ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/credit-score/credit-score-news-could-help-first-time-homebuyers</link>
                                                                            <description>
                            <![CDATA[ Lenders who sell mortgages to Fannie Mae and Freddie Mac used to only be able to use FICO for loan qualification. Now there's VantageScore, owned by the three major credit bureaus. ]]>
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                                                                        <pubDate>Sun, 09 Nov 2025 11:00:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Credit Score]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Credit Reports]]></category>
                                                    <category><![CDATA[Buying A Home]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                                                                <author><![CDATA[ ella.vincent@futurenet.com (Ella Vincent) ]]></author>                    <dc:creator><![CDATA[ Ella Vincent ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/KuFTSEjmsecorgc7gsvHWK-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A family moves into a new home.]]></media:description>                                                            <media:text><![CDATA[A family moves into a new home.]]></media:text>
                                <media:title type="plain"><![CDATA[A family moves into a new home.]]></media:title>
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                                                            <title><![CDATA[ How to Thaw a Credit Freeze — and Why You Would ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/credit-cards/how-to-thaw-a-credit-freeze-and-why-you-would</link>
                                                                            <description>
                            <![CDATA[ As you shop for a loan or credit card, you must open up access to your credit reports. ]]>
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                                                                        <pubDate>Wed, 28 May 2025 11:00:00 +0000</pubDate>                                                                                                                                <updated>Mon, 02 Jun 2025 13:59:48 +0000</updated>
                                                                                                                                            <category><![CDATA[Credit Cards]]></category>
                                                    <category><![CDATA[Credit Reports]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                <author><![CDATA[ ella.vincent@futurenet.com (Ella Vincent) ]]></author>                    <dc:creator><![CDATA[ Ella Vincent ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/rh6LN7hXpLgPxopGR5qDvT-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A generic credit card frozen in a block of ice. The Platinum Credit card is available isolated in my portfolio. All names and account numbers are fake.]]></media:description>                                                            <media:text><![CDATA[A generic credit card frozen in a block of ice. The Platinum Credit card is available isolated in my portfolio. All names and account numbers are fake.]]></media:text>
                                <media:title type="plain"><![CDATA[A generic credit card frozen in a block of ice. The Platinum Credit card is available isolated in my portfolio. All names and account numbers are fake.]]></media:title>
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                                                            <title><![CDATA[ Five Common Credit Mistakes and How to Avoid Them  ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/kiplinger-advisor-collective/common-credit-mistakes-and-how-to-avoid-them</link>
                                                                            <description>
                            <![CDATA[ Mistakes are an often inevitable fact of life, but knowledge truly is power when it comes to financial wellness. ]]>
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                                                                        <pubDate>Thu, 03 Oct 2024 12:15:15 +0000</pubDate>                                                                                                                                <updated>Mon, 31 Mar 2025 14:37:23 +0000</updated>
                                                                                                                                            <category><![CDATA[Kiplinger Advisor Collective]]></category>
                                                    <category><![CDATA[Credit Cards]]></category>
                                                    <category><![CDATA[Credit Score]]></category>
                                                    <category><![CDATA[Credit Reports]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Rod Griffin ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/bJRDPAMj6sT5pVsuBZDupa-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A woman sitting on her sofa smiles as she looks at her credit card and holds a tablet.]]></media:description>                                                            <media:text><![CDATA[A woman sitting on her sofa smiles as she looks at her credit card and holds a tablet.]]></media:text>
                                <media:title type="plain"><![CDATA[A woman sitting on her sofa smiles as she looks at her credit card and holds a tablet.]]></media:title>
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                                                            <title><![CDATA[ Should You Freeze Your Credit Amid National Public Data, Change Healthcare Breaches? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/credit-reports/should-you-freeze-your-credit-data-breaches</link>
                                                                            <description>
                            <![CDATA[ With data breaches in the news from National Public Data and Change Healthcare, people are wondering if they should freeze their credit. ]]>
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                                                                        <pubDate>Thu, 22 Aug 2024 18:00:48 +0000</pubDate>                                                                                                                                <updated>Mon, 23 Sep 2024 20:27:58 +0000</updated>
                                                                                                                                            <category><![CDATA[Credit Reports]]></category>
                                                    <category><![CDATA[Credit Score]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                <author><![CDATA[ alexandra.svokos@futurenet.com (Alexandra Svokos) ]]></author>                    <dc:creator><![CDATA[ Alexandra Svokos ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/XkMHP7VdGUki8yN7Pqfu6b-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Asian mature straight couple reviewing finances]]></media:description>                                                            <media:text><![CDATA[Asian mature straight couple reviewing finances]]></media:text>
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                                                            <title><![CDATA[ A Guide to Your Credit Card Statement ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/credit-cards/guide-to-your-credit-card-statement</link>
                                                                            <description>
                            <![CDATA[ Your credit card statement holds key information about your card’s balance, interest rate and payment due date. It's generally considered a great way to keep tabs on your finances. ]]>
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                                                                        <pubDate>Wed, 14 Aug 2024 11:00:05 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Credit Cards]]></category>
                                                    <category><![CDATA[Rewards Credit Cards]]></category>
                                                    <category><![CDATA[Credit Reports]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                <author><![CDATA[ ella.vincent@futurenet.com (Ella Vincent) ]]></author>                    <dc:creator><![CDATA[ Ella Vincent ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/J69PmnqRDrgYZ5Ttqtskjk-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Senior man using laptop and paying bills at home]]></media:description>                                                            <media:text><![CDATA[Senior man using laptop and paying bills at home]]></media:text>
                                <media:title type="plain"><![CDATA[Senior man using laptop and paying bills at home]]></media:title>
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                                                            <title><![CDATA[ Six Tasks That Can Help You Feel Better About Your Money ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/how-to-feel-better-about-your-money</link>
                                                                            <description>
                            <![CDATA[ Even small and gradual changes can have a big impact on your financial situation and how you feel about it. ]]>
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                                                                        <pubDate>Tue, 02 Apr 2024 09:40:17 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Credit Reports]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                                                                                    <dc:creator><![CDATA[ David Kimball ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/CwboeEagdK7KfqHSYK9YJL-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A couple sit next to each other on the sofa and discuss paperwork while looking at a laptop.]]></media:description>                                                            <media:text><![CDATA[A couple sit next to each other on the sofa and discuss paperwork while looking at a laptop.]]></media:text>
                                <media:title type="plain"><![CDATA[A couple sit next to each other on the sofa and discuss paperwork while looking at a laptop.]]></media:title>
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                                                            <title><![CDATA[ Credit Karma: Time Is Running Out To Claim Part of Settlement. Are You Owed Money? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/credit-reports/credit-karma-settlement</link>
                                                                            <description>
                            <![CDATA[ The deadline to file a claim for part of Credit Karma's $3M settlement is March 4. Here's what to know. ]]>
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                                                                        <pubDate>Mon, 11 Dec 2023 20:48:13 +0000</pubDate>                                                                                                                                <updated>Tue, 23 Jan 2024 20:51:13 +0000</updated>
                                                                                                                                            <category><![CDATA[Credit Reports]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Spending]]></category>
                                                    <category><![CDATA[Credit Score]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Jamie Feldman ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/HLquG2FbmLPcthPYXvVzDR-1280-80.jpg">
                                                            <media:credit><![CDATA[Gabby Jones/Bloomberg via Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[The green logo of Credit Karma on a white background on a laptop computer.]]></media:description>                                                            <media:text><![CDATA[The green logo of Credit Karma on a white background on a laptop computer.]]></media:text>
                                <media:title type="plain"><![CDATA[The green logo of Credit Karma on a white background on a laptop computer.]]></media:title>
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                                                            <title><![CDATA[ Credit Reports Are Now Permanently Free Weekly ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/credit-reports/credit-reports-free-weekly</link>
                                                                            <description>
                            <![CDATA[ Major credit reporting agencies Experian, Equifax, and Transunion have made a pandemic era program permanent, allowing consumers to check their credit weekly for free. ]]>
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                                                                        <pubDate>Fri, 22 Sep 2023 11:00:00 +0000</pubDate>                                                                                                                                <updated>Fri, 22 Sep 2023 15:31:16 +0000</updated>
                                                                                                                                            <category><![CDATA[Credit Reports]]></category>
                                                    <category><![CDATA[Credit Score]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Seychelle Thomas ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/iLxFJzpXJHp8K7Mw7B2mXK-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Several printouts of credit reports]]></media:description>                                                            <media:text><![CDATA[Several printouts of credit reports]]></media:text>
                                <media:title type="plain"><![CDATA[Several printouts of credit reports]]></media:title>
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                                                            <title><![CDATA[ Medical Credit Card Marketers Are Trying More Ways to Reach You ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/credit-debt/medical-credit-card-marketers-are-trying-more-ways-to-reach-you</link>
                                                                            <description>
                            <![CDATA[ Medical credit card promotions can now be found at physician offices, diagnostic centers and hospital websites, group says. ]]>
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                                                                        <pubDate>Mon, 11 Sep 2023 20:02:15 +0000</pubDate>                                                                                                                                <updated>Mon, 11 Sep 2023 20:02:19 +0000</updated>
                                                                                                                                            <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Credit Cards]]></category>
                                                    <category><![CDATA[Credit Reports]]></category>
                                                    <category><![CDATA[Health Insurance]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Joey Solitro ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/SLfNHGQ3iUbxkdfeYGJh5Y-1280-80.jpg">
                                                            <media:credit><![CDATA[DNY59, Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A stack of medical bills with a credit card sticking out of them.]]></media:description>                                                            <media:text><![CDATA[A stack of medical bills with a credit card sticking out of them.]]></media:text>
                                <media:title type="plain"><![CDATA[A stack of medical bills with a credit card sticking out of them.]]></media:title>
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                                                            <title><![CDATA[ Healthcare Data Breach May Have Exposed Patient Information ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/health-insurance/healthcare-data-breach-may-have-exposed-patient-information</link>
                                                                            <description>
                            <![CDATA[ IBM starts to notify users of J&J's healthcare service program of potential exposure of personal information. ]]>
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                                                                        <pubDate>Thu, 07 Sep 2023 23:50:02 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Health Insurance]]></category>
                                                    <category><![CDATA[Insurance]]></category>
                                                    <category><![CDATA[Credit Reports]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Joey Solitro ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/rG63Ge2RMJsphNsWnPLqL8-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Brick wall with large breach in the middle and several bricks laying on green surface.]]></media:description>                                                            <media:text><![CDATA[Brick wall with large breach in the middle and several bricks laying on green surface.]]></media:text>
                                <media:title type="plain"><![CDATA[Brick wall with large breach in the middle and several bricks laying on green surface.]]></media:title>
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                                                            <title><![CDATA[ Experian to Pay $650K Fine for Spamming People ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/credit-reports/experian-to-pay-dollar650k-fine-for-spamming-people</link>
                                                                            <description>
                            <![CDATA[ People seeking to freeze their credit data online were hit with unsolicited emails and no way to opt out. ]]>
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                                                                        <pubDate>Thu, 17 Aug 2023 20:31:43 +0000</pubDate>                                                                                                                                <updated>Fri, 18 Aug 2023 15:13:40 +0000</updated>
                                                                                                                                            <category><![CDATA[Credit Reports]]></category>
                                                    <category><![CDATA[Business]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Esther D’Amico ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/JiQoitcEqndWg3ioAr7n9k-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Email folders on a screen with the spam folder highlighted.]]></media:description>                                                            <media:text><![CDATA[Email folders on a screen with the spam folder highlighted.]]></media:text>
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                                                            <title><![CDATA[ How to Increase Credit Scores — Fast ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/slideshow/credit/t017-s003-how-to-boost-your-credit-score-fast/index.html</link>
                                                                            <description>
                            <![CDATA[ How to increase credit scores quickly, starting with paying down your credit card debt. ]]>
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                                                                        <pubDate>Tue, 01 Aug 2023 22:03:53 +0000</pubDate>                                                                                                                                <updated>Fri, 12 Jul 2024 16:55:11 +0000</updated>
                                                                                                                                            <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit Reports]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                <author><![CDATA[ lisa.gerstner@futurenet.com (Lisa Gerstner) ]]></author>                    <dc:creator><![CDATA[ Lisa Gerstner ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/gEpe7QYUWxmVQcRhijP77R-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[strong businesswoman pull the string to make rating gauge to be excellent.]]></media:description>                                                            <media:text><![CDATA[strong businesswoman pull the string to make rating gauge to be excellent.]]></media:text>
                                <media:title type="plain"><![CDATA[strong businesswoman pull the string to make rating gauge to be excellent.]]></media:title>
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                                                            <title><![CDATA[ How to Freeze Your Credit in Three Steps ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/article/credit/t017-c011-s003-freeze-your-credit-in-3-steps.html</link>
                                                                            <description>
                            <![CDATA[ Freezing your accounts at the three major credit bureaus is the best way to prevent thieves from opening new credit accounts in your name. ]]>
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                                                                        <pubDate>Tue, 18 Oct 2022 16:46:07 +0000</pubDate>                                                                                                                                <updated>Tue, 10 Feb 2026 22:32:45 +0000</updated>
                                                                                                                                            <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit Reports]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                <author><![CDATA[ lisa.gerstner@futurenet.com (Lisa Gerstner) ]]></author>                    <dc:creator><![CDATA[ Lisa Gerstner ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/3V7GDyXjzHTChLVmJkCEAU-1280-80.jpg">
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                                                            <title><![CDATA[ Free Credit Monitoring for Equifax Breach Victims ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/credit-debt/loans/credit-reports/604416/free-credit-monitoring-for-equifax-breach</link>
                                                                            <description>
                            <![CDATA[ Millions of consumers whose data may have been exposed have been notified to sign up for the monitoring service. ]]>
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                                                                        <pubDate>Thu, 17 Mar 2022 15:42:32 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Credit Reports]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                                                                <author><![CDATA[ lisa.gerstner@futurenet.com (Lisa Gerstner) ]]></author>                    <dc:creator><![CDATA[ Lisa Gerstner ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/VjePVF6SmP6vixrV9wNPn9-1280-80.jpg">
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                                                            <title><![CDATA[ How Does Marriage Affect Your Credit Score? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/credit-debt/603932/good-marriage-bad-credit</link>
                                                                            <description>
                            <![CDATA[ While credit reports aren’t merged for married couples, individual records can affect joint loans. Learn the rules to ensure good credit goes along with a good marriage. ]]>
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                                                                        <pubDate>Tue, 21 Dec 2021 19:26:50 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit Reports]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Rivan V. Stinson ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/mtQW8fCZq27jBJzf99uTNE-1280-80.jpg">
                                                            <media:credit><![CDATA[Photograph by Brandon Clifton]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Beverly Harzog, consumer finance analyst for U.S. News &amp;amp; World Report]]></media:description>                                                            <media:text><![CDATA[Beverly Harzog, consumer finance analyst for U.S. News &amp;amp; World Report]]></media:text>
                                <media:title type="plain"><![CDATA[Beverly Harzog, consumer finance analyst for U.S. News &amp;amp; World Report]]></media:title>
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                                                            <title><![CDATA[ What Does Your Credit Score Really Mean? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/credit-debt/loans/credit-reports/603964/what-does-your-credit-score-really-mean</link>
                                                                            <description>
                            <![CDATA[ Your score helps lenders assess the likelihood you’ll repay a loan. It can also help you assess your credit health. ]]>
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                                                                        <pubDate>Mon, 20 Dec 2021 17:02:26 +0000</pubDate>                                                                                                                                <updated>Thu, 23 Feb 2023 09:54:28 +0000</updated>
                                                                                                                                            <category><![CDATA[Credit Reports]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit Cards]]></category>
                                                                                                <author><![CDATA[ emma.patch@futurenet.com (Emma Patch) ]]></author>                    <dc:creator><![CDATA[ Emma Patch ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/QmseBT8gU2RbHejjfMvGqg-1280-80.jpg">
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                                                            <title><![CDATA[ Think Twice Before You Close a Credit Card ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/credit-cards/602978/think-twice-before-you-close-a-credit-card</link>
                                                                            <description>
                            <![CDATA[ Even if you’re no longer using it, closing an account could ding your credit score. ]]>
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                                                                        <pubDate>Fri, 18 Jun 2021 00:04:43 +0000</pubDate>                                                                                                                                <updated>Tue, 12 Mar 2024 13:08:17 +0000</updated>
                                                                                                                                            <category><![CDATA[Credit Cards]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit Reports]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Rivan V. Stinson ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/ieShgggQJ9NME4DczjUa6R-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A woman is sitting at a dining table with a laptop, a credit card, and financial statements.]]></media:description>                                                            <media:text><![CDATA[A woman is sitting at a dining table with a laptop, a credit card, and financial statements.]]></media:text>
                                <media:title type="plain"><![CDATA[A woman is sitting at a dining table with a laptop, a credit card, and financial statements.]]></media:title>
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                                                            <title><![CDATA[ Protect Yourself Against New ID-Theft Schemes ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/credit-debt/loans/credit-reports/602854/protect-yourself-against-new-id-theft</link>
                                                                            <description>
                            <![CDATA[ Crooks are using more-sophisticated tricks to steal your data. It's time to improve your armor. ]]>
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                                                                        <pubDate>Mon, 24 May 2021 18:12:08 +0000</pubDate>                                                                                                                                <updated>Thu, 27 May 2021 06:12:08 +0000</updated>
                                                                                                                                            <category><![CDATA[Credit Reports]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                                                                <author><![CDATA[ lisa.gerstner@futurenet.com (Lisa Gerstner) ]]></author>                    <dc:creator><![CDATA[ Lisa Gerstner ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/8Ty6ERoPviQLaTs5CJkMLT-1280-80.jpg">
                                                            <media:credit><![CDATA[Illustration by Huan Tran]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Illustration of giant fingerprint scanning scammer]]></media:description>                                                            <media:text><![CDATA[Illustration of giant fingerprint scanning scammer]]></media:text>
                                <media:title type="plain"><![CDATA[Illustration of giant fingerprint scanning scammer]]></media:title>
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                                                            <title><![CDATA[ How to Fix Your Credit Reports ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/credit-debt/loans/credit-reports/602848/how-to-fix-your-credit-reports</link>
                                                                            <description>
                            <![CDATA[ Before you apply for a mortgage or car loan, check your credit files for errors that could derail your plans. ]]>
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                                                                        <pubDate>Mon, 24 May 2021 17:04:21 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Credit Reports]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Rivan V. Stinson ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/tfsWTu7YsKTPLTFSAUXoWh-1280-80.jpg">
                                                            <media:credit><![CDATA[Illustration by Raul Arias]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[broken credit scores dial]]></media:description>                                                            <media:text><![CDATA[broken credit scores dial]]></media:text>
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                                                            <title><![CDATA[ How to Get Free Credit Reports Weekly  ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/credit-debt/loans/credit-reports/602440/get-free-weekly-credit-reports-for-another</link>
                                                                            <description>
                            <![CDATA[ Check your credit report weekly for free as the three major credit bureaus make a pandemic-era initiative permanent. ]]>
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                                                                        <pubDate>Fri, 26 Mar 2021 07:56:52 +0000</pubDate>                                                                                                                                <updated>Fri, 18 Jul 2025 15:57:40 +0000</updated>
                                                                                                                                            <category><![CDATA[Credit Reports]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                                                                <author><![CDATA[ lisa.gerstner@futurenet.com (Lisa Gerstner) ]]></author>                    <dc:creator><![CDATA[ Lisa Gerstner ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/mobwyzhJ68w5rWQPET32PV-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[photo of phone showing credit report]]></media:description>                                                            <media:text><![CDATA[photo of phone showing credit report]]></media:text>
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                                                            <title><![CDATA[ How to Keep Tabs on Your Credit Reports ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/credit-debt/602278/how-to-keep-tabs-on-your-credit-reports</link>
                                                                            <description>
                            <![CDATA[ Free weekly access is ending, but several services let you view your credit files more than once a year. ]]>
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                                                                        <pubDate>Wed, 24 Feb 2021 09:45:29 +0000</pubDate>                                                                                                                                <updated>Fri, 05 Mar 2021 17:32:00 +0000</updated>
                                                                                                                                            <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit Reports]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                <author><![CDATA[ lisa.gerstner@futurenet.com (Lisa Gerstner) ]]></author>                    <dc:creator><![CDATA[ Lisa Gerstner ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/kUY2SUiTLZBZcVjRfFwFVd-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images ]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Tablet computer with credit report on the screen lying on a table]]></media:description>                                                            <media:text><![CDATA[Tablet computer with credit report on the screen lying on a table]]></media:text>
                                <media:title type="plain"><![CDATA[Tablet computer with credit report on the screen lying on a table]]></media:title>
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                                                            <title><![CDATA[ Give Your Credit a Boost ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/credit-debt/loans/credit-reports/601259/give-your-credit-a-boost</link>
                                                                            <description>
                            <![CDATA[ When times get tough, your credit profile could take a hit. Here’s how to keep it in shape. ]]>
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                                                                        <pubDate>Thu, 27 Aug 2020 14:00:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Credit Reports]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                                                                <author><![CDATA[ lisa.gerstner@futurenet.com (Lisa Gerstner) ]]></author>                    <dc:creator><![CDATA[ Lisa Gerstner ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/jXzdzeQ9KrQU4cfCvPPYrJ-1280-80.jpg">
                                                            <media:credit><![CDATA[Illustration by Eglé Plynnikaité]]></media:credit>
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                                                            <title><![CDATA[ Banks Canceling Credit Cards, Cutting Limits ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/article/credit/t016-c000-s002-banks-canceling-credit-cards-cutting-limits.html</link>
                                                                            <description>
                            <![CDATA[ If you haven’t used a card in awhile, make a small purchase with it to keep it open. It’s good for your credit score. ]]>
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                                                                        <pubDate>Thu, 04 Jun 2020 22:27:51 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit Cards]]></category>
                                                    <category><![CDATA[Credit Reports]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                                    <dc:creator><![CDATA[ the editors of Kiplinger&#039;s Personal Finance ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/PoJeutWPS7pLjnrWbd2Qg4-1280-80.jpg">
                                                            <media:credit><![CDATA[Gary Burchell]]></media:credit>
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                                                            <title><![CDATA[ What to Know About the New FICO Score ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/podcast/credit/t017-c000-s003-what-to-know-about-the-new-fico-score.html</link>
                                                                            <description>
                            <![CDATA[ Credit expert Gerri Detweiler joins our hosts Sandy Block and Ryan Ermey to talk about how the new FICO scoring system could affect your credit score. Also, the pair explains the history of bear markets and why you need to tax-diversify your retirement accounts. ]]>
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                                                                        <pubDate>Mon, 16 Mar 2020 17:48:32 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Credit &amp; Debt]]></category>
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                                                                                                <author><![CDATA[ kiplinger@futurenet.com (Sandra Block) ]]></author>                    <dc:creator><![CDATA[ Sandra Block ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/V4pRa3FZ2t3hQyU9ZJ5odk-1280-80.jpg">
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                                                            <title><![CDATA[ Changes Are Coming to Your Credit Score ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/article/credit/t017-c000-s002-changes-are-coming-to-your-credit-score.html</link>
                                                                            <description>
                            <![CDATA[ FICO’s newest model takes a long-term look at how you’ve managed credit. ]]>
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                                                                                                                            <pubDate>Thu, 05 Mar 2020 15:22:11 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Credit &amp; Debt]]></category>
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                                                                                                <author><![CDATA[ lisa.gerstner@futurenet.com (Lisa Gerstner) ]]></author>                    <dc:creator><![CDATA[ Lisa Gerstner ]]></dc:creator>                                                                                                </item>
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                                                            <title><![CDATA[ Seven Things to Do Right Away If You're a Victim of a Data Breach ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/slideshow/credit/t017-s001-data-breach-victims-things-to-do-right-away/index.html</link>
                                                                            <description>
                            <![CDATA[ In today's digital age, data breaches have become all too common and leave unsuspecting consumers vulnerable to a host of identity theft issues. ]]>
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                                                                        <pubDate>Wed, 04 Mar 2020 18:51:39 +0000</pubDate>                                                                                                                                <updated>Fri, 09 Aug 2024 13:36:57 +0000</updated>
                                                                                                                                            <category><![CDATA[Credit &amp; Debt]]></category>
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                                                    <category><![CDATA[Credit Reports]]></category>
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                                                                                                                    <dc:creator><![CDATA[ Andrea Browne Taylor ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/zKXVcBHRSsmbf2wSHrMPf3-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A close-up on an abstract design of a display, which is warning about a cyber attack. Multiple rows of hexadecimal code are interrupted by red glowing warnings and single character exclamation marks. The image can represent a variety of threats in the digital world: data theft, data leak, security breach, intrusion, etc...]]></media:description>                                                            <media:text><![CDATA[A close-up on an abstract design of a display, which is warning about a cyber attack. Multiple rows of hexadecimal code are interrupted by red glowing warnings and single character exclamation marks. The image can represent a variety of threats in the digital world: data theft, data leak, security breach, intrusion, etc...]]></media:text>
                                <media:title type="plain"><![CDATA[A close-up on an abstract design of a display, which is warning about a cyber attack. Multiple rows of hexadecimal code are interrupted by red glowing warnings and single character exclamation marks. The image can represent a variety of threats in the digital world: data theft, data leak, security breach, intrusion, etc...]]></media:title>
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                                                            <title><![CDATA[ Does Your Credit Card Measure Up? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/article/credit/t016-c000-s002-does-your-credit-card-measure-up.html</link>
                                                                            <description>
                            <![CDATA[ Knowing your card’s mechanics can help you avoid high rates and fees. ]]>
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                                                                        <pubDate>Mon, 30 Dec 2019 12:25:06 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit Cards]]></category>
                                                    <category><![CDATA[Credit Reports]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
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                                                    <category><![CDATA[Debt]]></category>
                                                                                                <author><![CDATA[ lisa.gerstner@futurenet.com (Lisa Gerstner) ]]></author>                    <dc:creator><![CDATA[ Lisa Gerstner ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/9sWyVgQkhzEhXqDGhbjEfZ-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A person sitting at a desk, holding a pen, with a calculator, piggy bank and a stack of coins]]></media:description>                                                            <media:text><![CDATA[A person sitting at a desk, holding a pen, with a calculator, piggy bank and a stack of coins]]></media:text>
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                                                            <title><![CDATA[ Should You Get a Loan From Your Credit Card? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/article/credit/t016-c000-s002-should-you-get-a-loan-from-your-credit-card.html</link>
                                                                            <description>
                            <![CDATA[ The convenience can come at a steep cost. But there are options. ]]>
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                                                                        <pubDate>Thu, 03 Oct 2019 12:56:13 +0000</pubDate>                                                                                                                                <updated>Wed, 17 May 2023 13:54:53 +0000</updated>
                                                                                                                                            <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Student Loans]]></category>
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                                                                                                <author><![CDATA[ lisa.gerstner@futurenet.com (Lisa Gerstner) ]]></author>                    <dc:creator><![CDATA[ Lisa Gerstner ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/9sWyVgQkhzEhXqDGhbjEfZ-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A person sitting at a desk, holding a pen, with a calculator, piggy bank and a stack of coins]]></media:description>                                                            <media:text><![CDATA[A person sitting at a desk, holding a pen, with a calculator, piggy bank and a stack of coins]]></media:text>
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                                                            <title><![CDATA[ How to Build a Credit History ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/article/credit/t017-c000-s002-how-to-build-a-credit-history.html</link>
                                                                            <description>
                            <![CDATA[ Credit newbies can take advantage of both tried-and-true methods and new alternatives. ]]>
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                                                                        <pubDate>Thu, 03 Oct 2019 12:43:04 +0000</pubDate>                                                                                                                                <updated>Mon, 07 Oct 2019 14:41:44 +0000</updated>
                                                                                                                                            <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit Cards]]></category>
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                                                                                                <author><![CDATA[ lisa.gerstner@futurenet.com (Lisa Gerstner) ]]></author>                    <dc:creator><![CDATA[ Lisa Gerstner ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/9sWyVgQkhzEhXqDGhbjEfZ-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A person sitting at a desk, holding a pen, with a calculator, piggy bank and a stack of coins]]></media:description>                                                            <media:text><![CDATA[A person sitting at a desk, holding a pen, with a calculator, piggy bank and a stack of coins]]></media:text>
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                                                            <title><![CDATA[ How to Fix a Mistake on Your Credit Report ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/podcast/credit/t017-c000-s003-how-to-fix-a-mistake-on-your-credit-report.html</link>
                                                                            <description>
                            <![CDATA[ Kiplinger's resident credit guru Lisa Gerstner joins our podcast hosts Sandy Block and Ryan Ermey to explain how to take on the credit bureaus if there's a mistake (or outright fraud) on your credit report. ]]>
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                                                                        <pubDate>Mon, 23 Sep 2019 18:02:40 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Credit &amp; Debt]]></category>
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                                                                                                <author><![CDATA[ kiplinger@futurenet.com (Sandra Block) ]]></author>                    <dc:creator><![CDATA[ Sandra Block ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/K8M6NaQmP3Q8GKwKYUEAGj-1280-80.jpg">
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                                                            <title><![CDATA[ Battle the Credit Bureaus ... and Win ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/article/credit/t017-c000-s002-battle-the-credit-bureaus-and-win.html</link>
                                                                            <description>
                            <![CDATA[ Whether you’re contesting an error or combating fraud, use our guide to give yourself the best shot at success. ]]>
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                                                                        <pubDate>Thu, 29 Aug 2019 17:39:24 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit Cards]]></category>
                                                    <category><![CDATA[Credit Reports]]></category>
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                                                                                                <author><![CDATA[ lisa.gerstner@futurenet.com (Lisa Gerstner) ]]></author>                    <dc:creator><![CDATA[ Lisa Gerstner ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/Z2wm4SJGWTj8rU82t4ouvX-1280-80.jpg">
                                                            <media:credit><![CDATA[ALL RIGHTS RESERVED]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Sample page from a bucket retirement income strategy report]]></media:description>                                                            <media:text><![CDATA[Sample page from a bucket retirement income strategy report]]></media:text>
                                <media:title type="plain"><![CDATA[Sample page from a bucket retirement income strategy report]]></media:title>
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                                                            <title><![CDATA[ The Best You Can Hope for from the Equifax Settlement ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/article/credit/t017-c000-s002-the-disappointing-equifax-settlement.html</link>
                                                                            <description>
                            <![CDATA[ The average payout will be far less than $125. But you may be reimbursed for other costs. ]]>
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                                                                        <pubDate>Thu, 29 Aug 2019 17:29:45 +0000</pubDate>                                                                                                                                <updated>Fri, 30 Aug 2019 10:43:34 +0000</updated>
                                                                                                                                            <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit Reports]]></category>
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                                                                                                                    <dc:creator><![CDATA[ Brendan Pedersen ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/9sWyVgQkhzEhXqDGhbjEfZ-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A person sitting at a desk, holding a pen, with a calculator, piggy bank and a stack of coins]]></media:description>                                                            <media:text><![CDATA[A person sitting at a desk, holding a pen, with a calculator, piggy bank and a stack of coins]]></media:text>
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                                                            <title><![CDATA[ What Being an "Authorized User" Does to Your Credit Score ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/article/credit/t017-c050-s002-what-being-an-authorized-user-does-to-your-credit.html</link>
                                                                            <description>
                            <![CDATA[ An adult child's credit score may dip–or even rise–after he or she is removed as an authorized user of a parent's credit card. ]]>
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                                                                        <pubDate>Thu, 29 Aug 2019 11:48:50 +0000</pubDate>                                                                                                                                <updated>Wed, 22 Feb 2023 11:00:41 +0000</updated>
                                                                                                                                            <category><![CDATA[Credit &amp; Debt]]></category>
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                                                    <category><![CDATA[Credit Reports]]></category>
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                                                                                                <author><![CDATA[ lisa.gerstner@futurenet.com (Lisa Gerstner) ]]></author>                    <dc:creator><![CDATA[ Lisa Gerstner ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/xur47CJ47LuUXLsSucVonE-1280-80.jpg">
                                                            <media:credit><![CDATA[Copyright by Franziska &amp; Tom Werner (Copyright by Franziska &amp; Tom Werner (Photographer) - [None]]]></media:credit>
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                                                            <title><![CDATA[ Equifax Settlement: Should You Take the Money? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/podcast/credit/t017-c000-s003-equifax-settlement-capital-one-data-breach.html</link>
                                                                            <description>
                            <![CDATA[ Contributing editor Lisa Gerstner discusses the Equifax data-breach settlement and the recent Capital One breach. Also, hosts Sandy Block and Ryan Ermey offer up strategies for hosting and shopping yard sales. ]]>
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                                                                        <pubDate>Mon, 05 Aug 2019 15:15:43 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit Reports]]></category>
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                                                                                                <author><![CDATA[ kiplinger@futurenet.com (Sandra Block) ]]></author>                    <dc:creator><![CDATA[ Sandra Block ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/kLojc2XEFmaBZGe7qvXAjb-1280-80.jpg">
                                                            <media:credit><![CDATA[Anya Berkut]]></media:credit>
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                                                            <title><![CDATA[ Capital One Data Breach: 5 Steps to Avoid Identity Theft, Fraud ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/article/credit/t016-c000-s003-capital-one-data-breach-avoid-identity-theft-fraud.html</link>
                                                                            <description>
                            <![CDATA[ Be proactive to protect your sensitive personal information from scammers. ]]>
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                                                                        <pubDate>Thu, 01 Aug 2019 12:45:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit Cards]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[Credit Reports]]></category>
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                                                                                                <author><![CDATA[ lisa.gerstner@futurenet.com (Lisa Gerstner) ]]></author>                    <dc:creator><![CDATA[ Lisa Gerstner ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/YfYrjEKJrpnGigdrbwceG-1280-80.jpg">
                                                            <media:credit><![CDATA[tupungato]]></media:credit>
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                                                            <title><![CDATA[ Credit vs. Debit Smackdown! ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/podcast/spending/t007-c000-s003-credit-vs-debit-smackdown.html</link>
                                                                            <description>
                            <![CDATA[ Kiplinger.com general manager Robert Long joins the podcast to debate the merits of credit and debit cards. Plus, hosts Sandy Block and Ryan Ermey break down strategies for paying off student loans. ]]>
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                                                                        <pubDate>Mon, 15 Jul 2019 12:36:44 +0000</pubDate>                                                                                                                                <updated>Mon, 27 Jan 2020 09:58:52 +0000</updated>
                                                                                                                                            <category><![CDATA[Spending]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Student Loans]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Family Savings]]></category>
                                                    <category><![CDATA[Buying A Home]]></category>
                                                    <category><![CDATA[Credit Cards]]></category>
                                                    <category><![CDATA[How To Save Money]]></category>
                                                    <category><![CDATA[Leisure]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[401k]]></category>
                                                    <category><![CDATA[IRAs]]></category>
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                                                                                                <author><![CDATA[ kiplinger@futurenet.com (Sandra Block) ]]></author>                    <dc:creator><![CDATA[ Sandra Block ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/9sWyVgQkhzEhXqDGhbjEfZ-1280-80.jpg">
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                                                            <title><![CDATA[ 10 Financial Commandments for Your 30s ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/slideshow/business/t023-s001-financial-commandments-for-your-30s/index.html</link>
                                                                            <description>
                            <![CDATA[ In your 30s? You've gotten your financial feet under you. Time to thrive &mdash; and plan for the future. ]]>
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                                                                        <pubDate>Fri, 14 Jun 2019 12:27:07 +0000</pubDate>                                                                                                                                <updated>Tue, 02 Jul 2019 08:59:25 +0000</updated>
                                                                                                                                            <category><![CDATA[Business]]></category>
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                                                                                                                    <dc:creator><![CDATA[ Stacy Rapacon ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/Eg2ZqLiYruzfB5dmBchaUK-1280-80.jpg">
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                                                            <title><![CDATA[ Why Your Credit Score May Drop When You Shop for a New Phone Plan ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/article/credit/t017-c050-s003-why-your-credit-score-drops-when-shop-new-phone.html</link>
                                                                            <description>
                            <![CDATA[ Wireless carriers often use a scoring system that differs from the traditional credit score when it reviews new mobile customers. ]]>
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                                                                        <pubDate>Wed, 15 May 2019 12:40:16 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Credit &amp; Debt]]></category>
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                                                    <category><![CDATA[Leisure]]></category>
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                                                                                                <author><![CDATA[ lisa.gerstner@futurenet.com (Lisa Gerstner) ]]></author>                    <dc:creator><![CDATA[ Lisa Gerstner ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/9sWyVgQkhzEhXqDGhbjEfZ-1280-80.jpg">
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                                                            <title><![CDATA[ Credit Report Error? They All Matter ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/article/credit/t017-c001-s002-credit-report-error-they-all-matter.html</link>
                                                                            <description>
                            <![CDATA[ Don't dismiss a minor error. It could be the sign of something more serious. ]]>
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                                                                        <pubDate>Thu, 09 May 2019 14:42:45 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Family Savings]]></category>
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                                                                                                                    <dc:creator><![CDATA[ Kimberly Lankford ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/pAfzt8ra7nVuzGsivG7hVB-1280-80.jpg">
                                                            <media:credit><![CDATA[danielfela]]></media:credit>
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                                                            <title><![CDATA[ Credit Freezes Aren't Foolproof ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/article/credit/t017-c001-s002-credit-freezes-aren-t-foolproof.html</link>
                                                                            <description>
                            <![CDATA[ Why you should still be periodically checking all three credit reports. ]]>
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                                                                        <pubDate>Thu, 07 Mar 2019 13:06:16 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Credit &amp; Debt]]></category>
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                                                                                                                    <dc:creator><![CDATA[ Kimberly Lankford ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/VJHmWbporxevAvwYHtbMLU-1280-80.jpg">
                                                            <media:credit><![CDATA[Steve Heap 2018]]></media:credit>
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                                                            <title><![CDATA[ 15 Steps to a Prosperous New Year ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/slideshow/retirement/t023-s003-15-steps-to-a-prosperous-new-year/index.html</link>
                                                                            <description>
                            <![CDATA[ 15 Steps to a Prosperous New Year ]]>
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                                                                        <pubDate>Tue, 08 Jan 2019 18:15:21 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Family Savings]]></category>
                                                    <category><![CDATA[Tax Planning]]></category>
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                                                    <category><![CDATA[Credit Reports]]></category>
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                                                    <category><![CDATA[required minimum distributions (RMDs)]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[How To Save Money]]></category>
                                                    <category><![CDATA[Taxes]]></category>
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                                                                                                                    <dc:creator><![CDATA[ Kimberly Lankford ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/zqFK3GWMLR42Ea8BEkefg-1280-80.jpg">
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                                                            <title><![CDATA[ New Perks for a Top Rewards Card ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/article/credit/t016-c000-s002-new-perks-for-a-top-rewards-card.html</link>
                                                                            <description>
                            <![CDATA[ The Capital One Venture Visa card gets even better with enhanced travel benefits. ]]>
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                                                                        <pubDate>Thu, 03 Jan 2019 10:13:05 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Credit &amp; Debt]]></category>
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                                                                                                                    <dc:creator><![CDATA[ Miriam Cross ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/zBhKavfDcJgZEhvHXUqjj7-1280-80.jpg">
                                                            <media:credit><![CDATA[www.peopleimages.com (www.peopleimages.com (Photographer) - [None]]]></media:credit>
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                                                            <title><![CDATA[ Lock Your Credit Card If It Goes Missing ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/article/credit/t016-c000-s002-lock-your-credit-card-if-it-goes-missing.html</link>
                                                                            <description>
                            <![CDATA[ Locking — rather than cancelling — a card, will block purchases and other ways a thief could hurt you, while still allowing recurring payments and similar conveniences to carry on unaffected. ]]>
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                                                                        <pubDate>Mon, 10 Dec 2018 14:22:56 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Credit &amp; Debt]]></category>
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                                                                                                                    <dc:creator><![CDATA[ Miriam Cross ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/9sWyVgQkhzEhXqDGhbjEfZ-1280-80.jpg">
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                                                            <title><![CDATA[ 11 Things Going Right as We Head Into 2019 ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/slideshow/business/t019-s001-11-things-to-be-thankful-for-in-2018/index.html</link>
                                                                            <description>
                            <![CDATA[ 11 developments, economic and otherwise, that reveal brighter days ahead in 2019. ]]>
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                                                                        <pubDate>Tue, 20 Nov 2018 18:59:32 +0000</pubDate>                                                                                                                                <updated>Mon, 24 Dec 2018 13:57:10 +0000</updated>
                                                                                                                                            <category><![CDATA[Business]]></category>
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                                                                                                                    <dc:creator><![CDATA[ The Kiplinger Washington Editors ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/qJvmSr6ei9otkNhM475vVc-1280-80.jpg">
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                                                            <title><![CDATA[ You Can Now Freeze -- and Unfreeze -- Your Credit Report for Free ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/article/credit/t017-c001-s003-you-can-now-freeze-and-unfreeze-your-credit-report.html</link>
                                                                            <description>
                            <![CDATA[ As of September 21, credit bureaus can no longer charge you to freeze your credit reports or to lift a freeze. Here’s what you need to know to get your free freeze. ]]>
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                                                                        <pubDate>Fri, 21 Sep 2018 14:47:40 +0000</pubDate>                                                                                                                                <updated>Wed, 22 Feb 2023 20:58:57 +0000</updated>
                                                                                                                                            <category><![CDATA[Credit &amp; Debt]]></category>
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                                                                                                                    <dc:creator><![CDATA[ Kimberly Lankford ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/9sWyVgQkhzEhXqDGhbjEfZ-1280-80.jpg">
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                                                            <title><![CDATA[ 50 Quick and Easy Tips to Make and Keep More Money ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/slideshow/saving/t063-s002-50-quick-and-easy-tips-to-make-and-keep-more-money/index.html</link>
                                                                            <description>
                            <![CDATA[ Follow these smart moves to keep more cash in your household instead of flowing out. ]]>
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                                                                        <pubDate>Wed, 01 Aug 2018 16:09:56 +0000</pubDate>                                                                                                                                <updated>Wed, 12 Sep 2018 11:04:32 +0000</updated>
                                                                                                                                            <category><![CDATA[Savings]]></category>
                                                    <category><![CDATA[Banking]]></category>
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                                                    <category><![CDATA[Family Savings]]></category>
                                                    <category><![CDATA[Credit Cards]]></category>
                                                    <category><![CDATA[How To Save Money]]></category>
                                                    <category><![CDATA[Dividend Stocks]]></category>
                                                    <category><![CDATA[Credit Reports]]></category>
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                                                    <category><![CDATA[Stocks]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                                    <dc:creator><![CDATA[ the editors of Kiplinger&#039;s Personal Finance ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/yecaeHfgUqKTBU5roP44Y9-1280-80.jpg">
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                                                            <title><![CDATA[ Don't Sweat Small Changes in Your Credit Scores ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/article/credit/t017-c001-s001-changes-in-your-credit-score.html</link>
                                                                            <description>
                            <![CDATA[ Credit scores typically fluctuate a little from month to month, often because of changes in credit card balances. Here’s what to do when fluctuations in your scores are more dramatic. ]]>
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                                                                        <pubDate>Wed, 06 Jun 2018 15:25:20 +0000</pubDate>                                                                                                                                <updated>Wed, 22 Feb 2023 12:45:59 +0000</updated>
                                                                                                                                            <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit Cards]]></category>
                                                    <category><![CDATA[Credit Reports]]></category>
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                                                                                                                    <dc:creator><![CDATA[ Kimberly Lankford ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/48dGDbxvU6tsUywDHk474f-1280-80.jpg">
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                                                            <title><![CDATA[ Retailer Data Breaches in 2018: Was Your Favorite Store Hacked? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/article/spending/t048-c011-s001-retailer-data-breaches-2018-favorite-store-hacked.html</link>
                                                                            <description>
                            <![CDATA[ Find out which retail chains have been hit and where you can go for help to protect yourself from identity theft, scams and financial fraud. ]]>
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                                                                        <pubDate>Wed, 02 May 2018 09:10:26 +0000</pubDate>                                                                                                                                <updated>Fri, 30 Nov 2018 16:19:16 +0000</updated>
                                                                                                                                            <category><![CDATA[Spending]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit Cards]]></category>
                                                    <category><![CDATA[Small Business]]></category>
                                                    <category><![CDATA[Bonds]]></category>
                                                    <category><![CDATA[Credit Reports]]></category>
                                                    <category><![CDATA[Business]]></category>
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                                                    <category><![CDATA[Credit &amp; Debt]]></category>
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                                                                                                                    <dc:creator><![CDATA[ Andrea Browne Taylor ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/bXJutjnrmZwngJdviHEedJ-1280-80.jpg">
                                                            <media:credit><![CDATA[weerapatkiatdumrong]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Open security lock on credit cards with computer keyboard / Credit card data breach]]></media:description>                                                            <media:text><![CDATA[Open security lock on credit cards with computer keyboard / Credit card data breach]]></media:text>
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                                                            <title><![CDATA[ DIY Credit Protection: Four Low-Cost Ways to Monitor Your Score and Prevent Identity Theft ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/article/credit/t017-c011-s002-diy-solutions-monitor-credit-prevent-id-theft.html</link>
                                                                            <description>
                            <![CDATA[ Here's how to keep your credit intact without breaking the bank. ]]>
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                                                                        <pubDate>Wed, 04 Apr 2018 18:30:49 +0000</pubDate>                                                                                                                                <updated>Mon, 21 Apr 2025 16:48:44 +0000</updated>
                                                                                                                                            <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit Reports]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Miriam Cross ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/N96Tb6QBQrJeft4XvVhN6d-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Businesswoman working on laptop in office]]></media:description>                                                            <media:text><![CDATA[Businesswoman working on laptop in office]]></media:text>
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