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                    <title><![CDATA[ Latest from Kiplinger in Credit-score ]]></title>
                <link>https://www.kiplinger.com/personal-finance/credit-debt/loans/credit-score</link>
        <description><![CDATA[ All the latest credit-score content from the Kiplinger team ]]></description>
                                    <lastBuildDate>Sun, 09 Nov 2025 11:00:00 +0000</lastBuildDate>
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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>
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                                                            <title><![CDATA[ Don't Make These 'Buy Now, Pay Later' Mistakes ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/shopping/buy-now-pay-later-mistakes-to-avoid</link>
                                                                            <description>
                            <![CDATA[ Don't Make These 'Buy Now, Pay Later' Mistakes ]]>
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                                                                        <pubDate>Fri, 10 Oct 2025 10:00:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Shopping]]></category>
                                                    <category><![CDATA[Credit Cards]]></category>
                                                    <category><![CDATA[Credit Score]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Kerri Anne Renzulli ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/9phYfwxFHNUsFqrE2fKKAH-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[picture of notepad saying &amp;quot;I want it later or now&amp;quot; with check mark next to now]]></media:description>                                                            <media:text><![CDATA[picture of notepad saying &amp;quot;I want it later or now&amp;quot; with check mark next to now]]></media:text>
                                <media:title type="plain"><![CDATA[picture of notepad saying &amp;quot;I want it later or now&amp;quot; with check mark next to now]]></media:title>
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                                                            <title><![CDATA[ Think Twice Before Getting a Credit Card Cash Advance ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/credit-cards/think-twice-before-getting-a-credit-card-cash-advance</link>
                                                                            <description>
                            <![CDATA[ A credit card cash advance can be a quick solution when you need emergency help with money. But you'll pay for the convenience with high interest and fees. ]]>
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                                                                        <pubDate>Sat, 30 Aug 2025 13:00:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Credit Cards]]></category>
                                                    <category><![CDATA[Personal Loans]]></category>
                                                    <category><![CDATA[Credit Score]]></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/x5d6FbGTkGJkm46kswZ6Nm-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A man pulls a card from his wallet while standing in front of an ATM.]]></media:description>                                                            <media:text><![CDATA[A man pulls a card from his wallet while standing in front of an ATM.]]></media:text>
                                <media:title type="plain"><![CDATA[A man pulls a card from his wallet while standing in front of an ATM.]]></media:title>
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                                                            <title><![CDATA[ Seven Questions to Ask When Evaluating Personal Loan Options ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/personal-loan-options-questions-to-ask</link>
                                                                            <description>
                            <![CDATA[ Taking out a personal loan too hastily could lock you into unfavorable terms with an untrustworthy lender. Ask these questions before signing anything. ]]>
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                                                                        <pubDate>Mon, 31 Mar 2025 09:35:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Personal Loans]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Credit Score]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                                                                                    <dc:creator><![CDATA[ David Kimball ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/WmqeG4Jdsa55oJLj7KZLhP-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Top of a personal loan application.]]></media:description>                                                            <media:text><![CDATA[Top of a personal loan application.]]></media:text>
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                                                            <title><![CDATA[ Are Credit Cards an Alternative Source of Income? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/kiplinger-advisor-collective/are-credit-cards-an-alternative-source-of-income</link>
                                                                            <description>
                            <![CDATA[ Thinking that having credit available means you have another source of income is misguided. ]]>
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                                                                        <pubDate>Thu, 07 Nov 2024 16:21:32 +0000</pubDate>                                                                                                                                <updated>Mon, 31 Mar 2025 15:38:13 +0000</updated>
                                                                                                                                            <category><![CDATA[Kiplinger Advisor Collective]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit Score]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Credit Cards]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                                                                                    <dc:creator><![CDATA[ Deborah W. Ellis ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/7Pjyq4zcETfGhZ7NyfMkcb-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A man holds a credit card in one hand while he looks at a tablet in the other.]]></media:description>                                                            <media:text><![CDATA[A man holds a credit card in one hand while he looks at a tablet in the other.]]></media:text>
                                <media:title type="plain"><![CDATA[A man holds a credit card in one hand while he looks at a tablet in the other.]]></media:title>
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                                                            <title><![CDATA[ Seven Simple Ways to Improve Your Credit Score (According to Experts) ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/kiplinger-advisor-collective/simple-ways-to-improve-your-credit-score-according-to-experts</link>
                                                                            <description>
                            <![CDATA[ In the world of credit, responsibility is greatly rewarded. ]]>
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                                                                        <pubDate>Thu, 17 Oct 2024 13:00:10 +0000</pubDate>                                                                                                                                <updated>Mon, 31 Mar 2025 14:43:42 +0000</updated>
                                                                                                                                            <category><![CDATA[Kiplinger Advisor Collective]]></category>
                                                    <category><![CDATA[Credit Score]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Kiplinger Advisor Collective ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/7Pjyq4zcETfGhZ7NyfMkcb-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A man holds a credit card in one hand while he looks at a tablet in the other.]]></media:description>                                                            <media:text><![CDATA[A man holds a credit card in one hand while he looks at a tablet in the other.]]></media:text>
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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">
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                                                                                                                                                                                                                                    <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">
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                                                                                                                                                                                                                                    <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[ Can Buy Now, Pay Later Plans Help You Build Credit? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/can-buy-now-pay-later-plans-help-you-build-credit</link>
                                                                            <description>
                            <![CDATA[ "Buy now, pay later" is a popular way to buy everything — and some loans are starting to show up on credit reports. ]]>
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                                                                        <pubDate>Thu, 13 Jun 2024 13:05:57 +0000</pubDate>                                                                                                                                <updated>Thu, 13 Jun 2024 13:56:24 +0000</updated>
                                                                                                                                            <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Interest Rates]]></category>
                                                    <category><![CDATA[Credit Score]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Ashlyn Brooks ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/FRKEH2dxexnHFiQZdPtXod-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Concept art of someone using BNPL technology]]></media:description>                                                            <media:text><![CDATA[Concept art of someone using BNPL technology]]></media:text>
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                                                            <title><![CDATA[ Credit Score vs. Credit Report: What's the Difference? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/credit-cards/credit-score-vs-credit-report-whats-the-difference</link>
                                                                            <description>
                            <![CDATA[ Credit score vs credit report: What's the difference? Here's what you need to know. ]]>
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                                                                        <pubDate>Wed, 22 May 2024 09:42:39 +0000</pubDate>                                                                                                                                <updated>Wed, 19 Feb 2025 21:52:00 +0000</updated>
                                                                                                                                            <category><![CDATA[Credit Cards]]></category>
                                                    <category><![CDATA[Credit Score]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                <author><![CDATA[ erin.bendig@futurenet.com (Erin Bendig) ]]></author>                    <dc:creator><![CDATA[ Erin Bendig ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/qwq85PCVfJBTc6fFNuuxRU-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Happy man online shopping through credit card and laptop in an office]]></media:description>                                                            <media:text><![CDATA[Happy man online shopping through credit card and laptop in an office]]></media:text>
                                <media:title type="plain"><![CDATA[Happy man online shopping through credit card and laptop in an office]]></media:title>
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                                                            <title><![CDATA[ Really! Get Travel Rewards for Rent Payments ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/credit-cards/bilt-credit-card-rent-payments-earn-big-rewards</link>
                                                                            <description>
                            <![CDATA[ With the BILT credit card, get travel rewards on rent payments. This is a new kind of card, but it's legit. ]]>
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                                                                        <pubDate>Thu, 07 Mar 2024 11:00:00 +0000</pubDate>                                                                                                                                <updated>Thu, 08 Aug 2024 10:20:09 +0000</updated>
                                                                                                                                            <category><![CDATA[Credit Cards]]></category>
                                                    <category><![CDATA[Travel Credit Cards]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                    <category><![CDATA[Credit Score]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                <author><![CDATA[ ellen.kennedy@futurenet.com (Ellen B. Kennedy) ]]></author>                    <dc:creator><![CDATA[ Ellen B. Kennedy ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/gykUyyUPNEDtSs3Go6DHwF-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A happy young man in a modern apartment smiles, holding a credit card with his laptop open.]]></media:description>                                                            <media:text><![CDATA[A happy young man in a modern apartment smiles, holding a credit card with his laptop open.]]></media:text>
                                <media:title type="plain"><![CDATA[A happy young man in a modern apartment smiles, holding a credit card with his laptop open.]]></media:title>
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                                                            <title><![CDATA[ New Dating App "SCORE" Finds Love in Good Credit Scores ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/dating-app-score-finds-love-in-good-credit-scores</link>
                                                                            <description>
                            <![CDATA[ Only those with a good credit score can join the dating app "SCORE." Matchmaking expert Andrea McGinty says that's a great idea. ]]>
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                                                                        <pubDate>Mon, 26 Feb 2024 17:44:32 +0000</pubDate>                                                                                                                                <updated>Mon, 26 Feb 2024 17:48:41 +0000</updated>
                                                                                                                                            <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit Score]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                <author><![CDATA[ ellen.kennedy@futurenet.com (Ellen B. Kennedy) ]]></author>                    <dc:creator><![CDATA[ Ellen B. Kennedy ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/ZoQoF2LUc9PXKCF8FXCW26-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[An athletic man at a park smiles and looks at his phone.]]></media:description>                                                            <media:text><![CDATA[An athletic man at a park smiles and looks at his phone.]]></media:text>
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                                                            <title><![CDATA[ To Achieve Financial Stability, Start With Small Steps ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/financial-stability-start-with-small-steps</link>
                                                                            <description>
                            <![CDATA[ Setting specific and manageable goals — and celebrating your successes — can make your financial journey much less daunting. ]]>
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                                                                        <pubDate>Fri, 05 Jan 2024 10:30:20 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Wealth Creation]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Credit Score]]></category>
                                                    <category><![CDATA[Investing]]></category>
                                                    <category><![CDATA[Wealth Management]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Kevin Brauer, MBA, CPA, CMA ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/okmaQxAmVr45nidtwdRMFo-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A toddler takes her first steps while outside on the lawn with her mother right behind her.]]></media:description>                                                            <media:text><![CDATA[A toddler takes her first steps while outside on the lawn with her mother right behind her.]]></media:text>
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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[ TransUnion Fined $23M For Tenant Screening, Credit Freezes ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/credit-score/transunion-fined</link>
                                                                            <description>
                            <![CDATA[ Government charges TransUnion over illegal rental background checks and security freezes on consumer credit reports. ]]>
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                                                                        <pubDate>Thu, 12 Oct 2023 23:10:33 +0000</pubDate>                                                                                                                                <updated>Thu, 12 Oct 2023 23:10:37 +0000</updated>
                                                                                                                                            <category><![CDATA[Credit Score]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                    <category><![CDATA[Business]]></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/HdNZD5oU7GbjA3tAySqLCG-1280-80.jpg">
                                                            <media:credit><![CDATA[Zerbor, Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A consumer protection law book lays on a table with a gavel next to it.]]></media:description>                                                            <media:text><![CDATA[A consumer protection law book lays on a table with a gavel next to it.]]></media:text>
                                <media:title type="plain"><![CDATA[A consumer protection law book lays on a table with a gavel next to it.]]></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">
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                                                                                                                                                                                                                                    <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[ How Retirement Could Hurt Your Credit Score ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/retirement/how-retirement-could-hurt-your-credit-score</link>
                                                                            <description>
                            <![CDATA[ Just as you need to take care of your physical health, you need to monitor your credit fitness. ]]>
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                                                                        <pubDate>Wed, 06 Sep 2023 10:30:00 +0000</pubDate>                                                                                                                                <updated>Thu, 23 May 2024 16:10:52 +0000</updated>
                                                                                                                                            <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Credit Score]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Ashlyn Brooks ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/xqcRQUXQXDw2wL24E6uoeS-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A senior couple looking at financial documents.]]></media:description>                                                            <media:text><![CDATA[A senior couple looking at financial documents.]]></media:text>
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                                                            <title><![CDATA[ Earnest and Nova Credit Partner to Offer International Private Student Loans ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/earnest-and-nova-credit-partner-to-offer-international-private-student-loans</link>
                                                                            <description>
                            <![CDATA[ Students at select U.S. schools are eligible. ]]>
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                                                                        <pubDate>Thu, 27 Jul 2023 17:20:55 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Student Loans]]></category>
                                                    <category><![CDATA[Credit Score]]></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/uZW9k6nt3nfk8nn2kFeEpC-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[group of graduates]]></media:description>                                                            <media:text><![CDATA[group of graduates]]></media:text>
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                                                            <title><![CDATA[ Why You Should Check Your Credit Report ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/why-you-should-check-your-credit-report</link>
                                                                            <description>
                            <![CDATA[ If you’ve ever had difficulty getting incorrect information removed from your credit report, you’ve got plenty of company. ]]>
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                                                                        <pubDate>Tue, 13 Jun 2023 19:19:37 +0000</pubDate>                                                                                                                                <updated>Thu, 23 May 2024 16:09:11 +0000</updated>
                                                                                                                                            <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit Score]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                <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/saZxAXgHSQH6CwJAWAm6Kj-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Businessman gazes through a window while he takes a phone call. A credit report is on his desk.]]></media:description>                                                            <media:text><![CDATA[Businessman gazes through a window while he takes a phone call. A credit report is on his desk.]]></media:text>
                                <media:title type="plain"><![CDATA[Businessman gazes through a window while he takes a phone call. A credit report is on his desk.]]></media:title>
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                                                            <title><![CDATA[ New Way To See Free Credit Scores From FICO ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/credit-score/new-way-to-see-free-credit-scores-from-fico</link>
                                                                            <description>
                            <![CDATA[ FICO announced a new way you can now sign up for free credit scores. ]]>
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                                                                        <pubDate>Tue, 18 Apr 2023 21:25:05 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Credit Score]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                <author><![CDATA[ ellen.kennedy@futurenet.com (Ellen B. Kennedy) ]]></author>                    <dc:creator><![CDATA[ Ellen B. Kennedy ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/NKVnNmnwgarrRsM5sipbwn-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[A dial representing bad, fair, good and excellent credit, coded by red, orange, yellow and green. The dial points to good credit.]]></media:description>                                                            <media:text><![CDATA[A dial representing bad, fair, good and excellent credit, coded by red, orange, yellow and green. The dial points to good credit.]]></media:text>
                                <media:title type="plain"><![CDATA[A dial representing bad, fair, good and excellent credit, coded by red, orange, yellow and green. The dial points to good credit.]]></media:title>
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                                                            <title><![CDATA[ Raising Your Credit Score Could Lower Your Mortgage Rate ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/credit-debt/raising-your-credit-score-could-lower-your-mortgage-rate</link>
                                                                            <description>
                            <![CDATA[ Did you know that raising your credit score could get save you money on your mortgage? Our guide to how it works. ]]>
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                                                                        <pubDate>Thu, 16 Mar 2023 20:36:09 +0000</pubDate>                                                                                                                                <updated>Thu, 23 May 2024 16:12:28 +0000</updated>
                                                                                                                                            <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Mortgages]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit Score]]></category>
                                                    <category><![CDATA[Home Savings]]></category>
                                                    <category><![CDATA[Real Estate]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[How To Save Money]]></category>
                                                                                                <author><![CDATA[ erin.bendig@futurenet.com (Erin Bendig) ]]></author>                    <dc:creator><![CDATA[ Erin Bendig ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/aPFBEkfTrHbCvoCmSHmeCV-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[picture of small model housing on a table covered with money]]></media:description>                                                            <media:text><![CDATA[picture of small model housing on a table covered with money]]></media:text>
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                                                            <title><![CDATA[ What Is a Good Credit Score? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/what-is-a-good-credit-score</link>
                                                                            <description>
                            <![CDATA[ Having a good credit score can save you hundreds, even thousands of dollars on credit cards, mortgages and other loans. ]]>
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                                                                        <pubDate>Tue, 17 Jan 2023 02:02:14 +0000</pubDate>                                                                                                                                <updated>Mon, 26 Jan 2026 16:02:33 +0000</updated>
                                                                                                                                            <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit Score]]></category>
                                                    <category><![CDATA[Credit Cards]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                <author><![CDATA[ ellen.kennedy@futurenet.com (Ellen B. Kennedy) ]]></author>                    <dc:creator><![CDATA[ Ellen B. Kennedy ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/bJRDPAMj6sT5pVsuBZDupa-1280-80.jpg">
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                                                                                                                                                                                                                                    <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>
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                                                            <title><![CDATA[ Did Equifax Botch Your Credit Score? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/credit-debt/loans/credit-score/605065/equifax-credit-score-error</link>
                                                                            <description>
                            <![CDATA[ Equifax is in the news–yet again–this time for sending lenders the wrong credit score. Here’s how to find out if you were affected and what to do next. ]]>
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                                                                        <pubDate>Thu, 11 Aug 2022 16:04:24 +0000</pubDate>                                                                                                                                <updated>Thu, 23 Feb 2023 09:48:44 +0000</updated>
                                                                                                                                            <category><![CDATA[Credit Score]]></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/kjGRnhxYNjQ3mkeUPxB8m-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Equifax sign]]></media:description>                                                            <media:text><![CDATA[Equifax sign]]></media:text>
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                                                            <title><![CDATA[ Best Places to Check Your Credit Reports and Credit Scores for Free ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/article/credit/t017-c011-s003-best-places-to-check-your-credit-for-free.html</link>
                                                                            <description>
                            <![CDATA[ You can say goodbye to year-long waits and high fees to check your credit thanks to these trusted free resources. ]]>
                                                                                                            </description>
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                                                                        <pubDate>Wed, 19 Jul 2017 00:00:01 +0000</pubDate>                                                                                                                                <updated>Thu, 23 Feb 2023 09:52:48 +0000</updated>
                                                                                                                                            <category><![CDATA[Credit Score]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <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/pB8SupBAgReL7mT7GB5VJN-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Credit Score Screen]]></media:description>                                                            <media:text><![CDATA[Credit Score Screen]]></media:text>
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                                                            <title><![CDATA[ 7 Habits of People With Excellent Credit Scores ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/slideshow/credit/t017-s003-how-to-raise-your-credit-score/index.html</link>
                                                                            <description>
                            <![CDATA[ Want to improve your credit score? ]]>
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                                                                        <pubDate>Sun, 05 Mar 2017 00:00:01 +0000</pubDate>                                                                                                                                <updated>Tue, 16 Apr 2024 15:53:18 +0000</updated>
                                                                                                                                            <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Refinancing]]></category>
                                                    <category><![CDATA[Credit Cards]]></category>
                                                    <category><![CDATA[Credit Reports]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Credit Score]]></category>
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                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <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/6haytUEkR4qasv8LwtQ3ta-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[photo illustration of budgeting ]]></media:description>                                                            <media:text><![CDATA[photo illustration of budgeting ]]></media:text>
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                                                            <title><![CDATA[ Six Habits of People With Excellent Credit Scores ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/article/credit/t017-c011-s001-six-habits-of-people-with-excellent-credit-scores.html</link>
                                                                            <description>
                            <![CDATA[ Improve your creditworthiness by adopting the strategies used by those with high credit scores. ]]>
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                                                                        <pubDate>Wed, 14 Jan 2015 00:00:01 +0000</pubDate>                                                                                                                                <updated>Thu, 23 Feb 2023 09:53:23 +0000</updated>
                                                                                                                                            <category><![CDATA[Credit Score]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
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                                                                                                                    <dc:creator><![CDATA[ Cameron Huddleston ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/b699ARTB7HhxUkq7uWwr8k-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[photo of tablet with credit scores]]></media:description>                                                            <media:text><![CDATA[photo of tablet with credit scores]]></media:text>
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                                <item>
                                                            <title><![CDATA[ How to Improve Your Credit Score ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/article/credit/t017-c001-s001-how-to-improve-your-credit-score.html</link>
                                                                            <description>
                            <![CDATA[ Making debt payments on time and not opening too many accounts are among the things you can do to boost your number. ]]>
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                                                                                                                            <pubDate>Fri, 16 Sep 2011 00:00:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Credit Score]]></category>
                                                    <category><![CDATA[Loans]]></category>
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                                                                                                                    <dc:creator><![CDATA[ Kimberly Lankford ]]></dc:creator>                                                                                                </item>
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                                                            <title><![CDATA[ Understanding Credit Scores ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/article/credit/t017-c001-s001-understanding-credit-scores.html</link>
                                                                            <description>
                            <![CDATA[ Learn about the differences between the  FICO score and VantageScore. ]]>
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                                                                                                                            <pubDate>Fri, 15 Apr 2011 00:00:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Credit Score]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit Reports]]></category>
                                                                                                                    <dc:creator><![CDATA[ Kimberly Lankford ]]></dc:creator>                                                                                                </item>
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                                                            <title><![CDATA[ When One Spouse's Credit Score Is Lower ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/article/credit/t017-c001-s001-when-one-spouse-s-credit-score-is-lower.html</link>
                                                                            <description>
                            <![CDATA[ Even if your score is high, your spouse's low score will make qualifying for a loan tougher. ]]>
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                                                                        <pubDate>Thu, 30 Dec 2010 00:00:00 +0000</pubDate>                                                                                                                                <updated>Thu, 23 Feb 2023 09:50:09 +0000</updated>
                                                                                                                                            <category><![CDATA[Credit Score]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
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                                                                                                                    <dc:creator><![CDATA[ Kimberly Lankford ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/us7baGMQPFxDcsBQLU3HdN-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Road signs saying good credit and bad credit road signs pointing in opposite directions]]></media:description>                                                            <media:text><![CDATA[Road signs saying good credit and bad credit road signs pointing in opposite directions]]></media:text>
                                <media:title type="plain"><![CDATA[Road signs saying good credit and bad credit road signs pointing in opposite directions]]></media:title>
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                                                            <title><![CDATA[ Should I Add My Spouse to My Credit Card Accounts? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/article/credit/t016-c000-s001-should-i-add-my-spouse-to-my-credit-card-accounts.html</link>
                                                                            <description>
                            <![CDATA[ Adding your spouse as an authorized user to your credit card won't hurt your credit score, but it could help your spouse's. ]]>
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                                                                        <pubDate>Sat, 01 Dec 2007 00:00:01 +0000</pubDate>                                                                                                                                <updated>Thu, 23 Feb 2023 09:52:09 +0000</updated>
                                                                                                                                            <category><![CDATA[Credit Score]]></category>
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                                                                                                                    <dc:creator><![CDATA[ Staff ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://dev.mos.cms.futurecdn.net/brCte2wXoVhjwL2DX8sr3-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Happy senior couple]]></media:description>                                                            <media:text><![CDATA[Happy senior couple]]></media:text>
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