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                    <title><![CDATA[ Latest from Kiplinger in Experian ]]></title>
                <link>https://www.kiplinger.com/tag/experian</link>
        <description><![CDATA[ All the latest experian content from the Kiplinger team ]]></description>
                                    <lastBuildDate>Mon, 13 Feb 2023 22:04:24 +0000</lastBuildDate>
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                                                            <title><![CDATA[ How Many Credit Cards Should I Have? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/credit-cards/how-many-credit-cards-should-i-have</link>
                                                                            <description>
                            <![CDATA[ How many credit cards should you have? The answer isn’t as straightforward as you might think — it all depends on your financial situation. ]]>
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                                                                        <pubDate>Mon, 13 Feb 2023 22:04:24 +0000</pubDate>                                                                                                                                <updated>Fri, 11 Aug 2023 22:21:04 +0000</updated>
                                                                                                                                            <category><![CDATA[Credit Cards]]></category>
                                                    <category><![CDATA[Personal Finance]]></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/jpuPdYWP3ZWfSCkc54gqr8-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Man holding several credit cards]]></media:description>                                                            <media:text><![CDATA[Man holding several credit cards]]></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[ Best Credit Cards for Bad Credit 2023 ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/best-credit-cards-for-bad-credit</link>
                                                                            <description>
                            <![CDATA[ If used wisely, these credit cards can help you dig out of bad credit; you may even earn 2% cash back. ]]>
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                                                                        <pubDate>Mon, 12 Dec 2022 18:37:08 +0000</pubDate>                                                                                                                                <updated>Tue, 05 Aug 2025 23:17:20 +0000</updated>
                                                                                                                                            <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit Cards]]></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/sviECMbFzmhSPpsPaMhPcP-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[A young woman sits cross-legged in an apartment looking at her computer and credit card]]></media:description>                                                            <media:text><![CDATA[A young woman sits cross-legged in an apartment looking at her computer and credit card]]></media:text>
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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[ Two Updates to Credit Reports ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/credit-debt/604599/two-updates-to-credit-reports</link>
                                                                            <description>
                            <![CDATA[ The major credit bureaus are changing how they report information about medical debt and buy now, pay later. ]]>
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                                                                        <pubDate>Tue, 26 Apr 2022 18:37:17 +0000</pubDate>                                                                                                                                <updated>Wed, 22 Feb 2023 11:05:08 +0000</updated>
                                                                                                                                            <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/2Lp8QWUZtPPSEDhmtugwnG-1280-80.jpg">
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                                                                                                                                                                                                                                    <media:description><![CDATA[Illustration of men standing around credit score dial]]></media:description>                                                            <media:text><![CDATA[Illustration of men standing around credit score dial]]></media:text>
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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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                                                                                                                                                                                                                                    <media:description><![CDATA[photo of a computer screen with words on it]]></media:description>                                                            <media:text><![CDATA[photo of a computer screen with words on it]]></media:text>
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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[ 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 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>
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                                                            <title><![CDATA[ With Private Loan Interest Rates So Low, Should You Refinance a Federal Student Loan? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/personal-finance/credit-debt/loans/student-loans/601723/with-private-loan-interest-rates-so-low</link>
                                                                            <description>
                            <![CDATA[ Whether to take a private student loan or refinance a federal student loan comes down to several factors, including your comfort level with the payments and your level of job security. ]]>
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                                                                        <pubDate>Sat, 14 Nov 2020 10:55:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Student Loans]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Saki Kurose, CSLP®, IAR ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/73CuhsmqzWWBgBkD2JShXc-1280-80.jpg">
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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[ Millennials Face Their Second Recession ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/article/credit/t037-c047-s002-milliennials-face-their-second-recession.html</link>
                                                                            <description>
                            <![CDATA[ Forty percent of millennials say the pandemic will likely cause them to delay payments on their debts. Does that include you? Time to take action. ]]>
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                                                                        <pubDate>Thu, 04 Jun 2020 17:14:08 +0000</pubDate>                                                                                                                                <updated>Wed, 17 May 2023 13:58:48 +0000</updated>
                                                                                                                                            <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Student Loans]]></category>
                                                    <category><![CDATA[Family Savings]]></category>
                                                    <category><![CDATA[Retirement Planning]]></category>
                                                    <category><![CDATA[401k]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                    <category><![CDATA[How To Save Money]]></category>
                                                    <category><![CDATA[Retirement]]></category>
                                                    <category><![CDATA[Retirement Plans]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                                                                                    <dc:creator><![CDATA[ Rivan V. Stinson ]]></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[ 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>
                                                    <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/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[ 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>
                                                    <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/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[ 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>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Leisure]]></category>
                                                    <category><![CDATA[Credit Reports]]></category>
                                                    <category><![CDATA[Spending]]></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/9sWyVgQkhzEhXqDGhbjEfZ-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <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[ 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>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit Reports]]></category>
                                                    <category><![CDATA[Loans]]></category>
                                                                                                                    <dc:creator><![CDATA[ Kimberly Lankford ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/9sWyVgQkhzEhXqDGhbjEfZ-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <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[ Free Credit Report Freezes ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/article/credit/t016-c001-s001-free-credit-report-freezes.html</link>
                                                                            <description>
                            <![CDATA[ A new federal law will soon allow everyone to freeze -- and thaw -- their credit report free. A freeze can deter identity theft. ]]>
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                                                                        <pubDate>Fri, 25 May 2018 17:34:53 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit Cards]]></category>
                                                                                                                    <dc:creator><![CDATA[ Kimberly Lankford ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/9sWyVgQkhzEhXqDGhbjEfZ-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <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[ Did You Freeze Your Credit? Watch Out for These Pitfalls ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/article/credit/t017-c000-s002-pitfalls-of-doing-a-credit-freeze.html</link>
                                                                            <description>
                            <![CDATA[ If you put your credit reports on ice, watch out for these slippery spots. ]]>
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                                                                        <pubDate>Thu, 01 Feb 2018 11:41:58 +0000</pubDate>                                                                                                                                <updated>Wed, 22 Feb 2023 11:04:27 +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/LyUzKj2yenrN6hHin7KidS-1280-80.jpg">
                                                            <media:credit><![CDATA[Andrew Bret Wallis]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Frozen consumer credit spending freeze]]></media:description>                                                            <media:text><![CDATA[Frozen consumer credit spending freeze]]></media:text>
                                <media:title type="plain"><![CDATA[Frozen consumer credit spending freeze]]></media:title>
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                                                            <title><![CDATA[ How I Thwarted I.D. Thieves ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/article/credit/t048-c011-s002-how-i-thwarted-id-thieves.html</link>
                                                                            <description>
                            <![CDATA[ After they stole my name, I switched into high gear to prevent them from hijacking my sterling credit history. ]]>
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                                                                        <pubDate>Fri, 21 Jul 2017 10:45:29 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                                                                <author><![CDATA[ kiplinger@futurenet.com (Mark Solheim) ]]></author>                    <dc:creator><![CDATA[ Mark Solheim ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/ZWEsnDMUXqGuHtQ7Up4ee4-1280-80.jpg">
                                                            <media:credit><![CDATA[PeopleImages]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Shot of a hacker dressed in a black mask hacking a computerhttp://195.154.178.81/DATA/i_collage/pi/shoots/783303.jpg]]></media:description>                                                            <media:text><![CDATA[Shot of a hacker dressed in a black mask hacking a computerhttp://195.154.178.81/DATA/i_collage/pi/shoots/783303.jpg]]></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? ]]>
                                                                                                            </description>
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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>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <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">
                                                            <media:credit><![CDATA[iStockphoto]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[photo illustration of budgeting ]]></media:description>                                                            <media:text><![CDATA[photo illustration of budgeting ]]></media:text>
                                <media:title type="plain"><![CDATA[photo illustration of budgeting ]]></media:title>
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                                                            <title><![CDATA[ How to Get Out of Debt ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/article/credit/t025-c000-s001-how-to-get-out-of-debt.html</link>
                                                                            <description>
                            <![CDATA[ There are several steps you can take to ensure your credit rating isn't ruined. ]]>
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                                                                        <pubDate>Fri, 16 Dec 2016 00:00:01 +0000</pubDate>                                                                                                                                <updated>Fri, 16 Dec 2016 12:30:54 +0000</updated>
                                                                                                                                            <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Debt Management]]></category>
                                                    <category><![CDATA[Debt]]></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/HXUcNNukWz9YE8u5rvcihm-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images/iStockphoto]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[stop debt!]]></media:description>                                                            <media:text><![CDATA[stop debt!]]></media:text>
                                <media:title type="plain"><![CDATA[stop debt!]]></media:title>
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                                                            <title><![CDATA[ Is the Wells Fargo Controversy Damaging Your Credit Score? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/article/credit/t017-c000-s001-could-wells-fargo-controversy-damage-your-credit.html</link>
                                                                            <description>
                            <![CDATA[ Here's how to check all recent accounts opened in your name, plus your credit reports. ]]>
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                                                                        <pubDate>Mon, 26 Sep 2016 00:00:01 +0000</pubDate>                                                                                                                                <updated>Mon, 26 Sep 2016 17:24:11 +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/9sWyVgQkhzEhXqDGhbjEfZ-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images]]></media:credit>
                                                                                                                                                                                                                                    <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>
                                <media:title type="plain"><![CDATA[A person sitting at a desk, holding a pen, with a calculator, piggy bank and a stack of coins]]></media:title>
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                                                            <title><![CDATA[ How I Quickly Resolved My Case of Identity Theft ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/article/credit/t023-c011-s001-how-i-quickly-resolved-my-identity-id-theft.html</link>
                                                                            <description>
                            <![CDATA[ It was one of my biggest fears. But once it ended up happening, it was actually manageable. ]]>
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                                                                        <pubDate>Fri, 26 Aug 2016 00:00:01 +0000</pubDate>                                                                                                                                <updated>Fri, 26 Aug 2016 13:28:59 +0000</updated>
                                                                                                                                            <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Rebecca Dolan ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/M69JymVhFDqWT78eG7hesL-1280-80.jpg">
                                                            <media:credit><![CDATA[sirastock]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Padlock and stack of credit cards on top of laptop]]></media:description>                                                            <media:text><![CDATA[Padlock and stack of credit cards on top of laptop]]></media:text>
                                <media:title type="plain"><![CDATA[Padlock and stack of credit cards on top of laptop]]></media:title>
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                                                            <title><![CDATA[ Identity Theft After Death ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/article/business/t048-c001-s002-identity-theft-after-death.html</link>
                                                                            <description>
                            <![CDATA[ The recently deceased are prime targets for fraudsters, so make sure to destroy any documents they could use to steal someone’s identity. ]]>
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                                                                        <pubDate>Wed, 02 Sep 2015 16:18:36 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Business]]></category>
                                                                                                                    <dc:creator><![CDATA[ Kimberly Lankford ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/UbAwX3Vt7gs9Dj3PK8CnkG-1280-80.jpg">
                                                            <media:credit><![CDATA[Getty Images/iStockphoto]]></media:credit>
                                                                                                                                                                                                                                    <media:description><![CDATA[Shredding a paper]]></media:description>                                                            <media:text><![CDATA[Shredding a paper]]></media:text>
                                <media:title type="plain"><![CDATA[Shredding a paper]]></media:title>
                                                    </media:content>
                                                    <media:thumbnail url="https://cdn.mos.cms.futurecdn.net/UbAwX3Vt7gs9Dj3PK8CnkG-1280-80.jpg" />
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                                                            <title><![CDATA[ 3 Key Things Mortgage Lenders Are Looking for ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/article/real-estate/t040-c011-s002-what-mortgage-lenders-are-looking-for.html</link>
                                                                            <description>
                            <![CDATA[ Here’s a look at what they expect from potential borrowers. ]]>
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                                                                        <pubDate>Fri, 06 Feb 2015 13:18:43 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Real Estate]]></category>
                                                    <category><![CDATA[Refinancing]]></category>
                                                    <category><![CDATA[Buying A Home]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Debt]]></category>
                                                                                                                    <dc:creator><![CDATA[ Patricia Mertz Esswein ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/9sWyVgQkhzEhXqDGhbjEfZ-1280-80.jpg">
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                                                            <title><![CDATA[ Data Breaches: When to Worry ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/article/credit/t048-c000-s002-data-breaches-when-to-worry.html</link>
                                                                            <description>
                            <![CDATA[ They’re a dime a dozen, but some are more of a threat. ]]>
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                                                                        <pubDate>Mon, 05 Jan 2015 09:32:11 +0000</pubDate>                                                                                                                                <updated>Wed, 17 May 2023 13:57:33 +0000</updated>
                                                                                                                                            <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Banking]]></category>
                                                                                                <author><![CDATA[ kiplinger@futurenet.com (Anne Kates Smith) ]]></author>                    <dc:creator><![CDATA[ Anne Kates Smith ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/9sWyVgQkhzEhXqDGhbjEfZ-1280-80.jpg">
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                                                            <title><![CDATA[ Get a Free Credit Report More Than Once a Year ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/article/credit/t017-c011-s001-get-a-free-credit-report-more-than-once-a-year.html</link>
                                                                            <description>
                            <![CDATA[ A new service from Credit Karma provides access to your TransUnion credit report any time at no charge. ]]>
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                                                                                                                            <pubDate>Tue, 12 Aug 2014 00:00:01 +0000</pubDate>                                                                                                                                <updated>Tue, 12 Aug 2014 09:08:31 +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[ Cameron Huddleston ]]></dc:creator>                                                                                                </item>
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                                                            <title><![CDATA[ Identity-Theft Monitoring Programs Worth a Look ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/article/spending/t048-c000-s002-id-theft-monitoring-programs-worth-a-look.html</link>
                                                                            <description>
                            <![CDATA[ Here's what to look for in a service and what you can expect to pay. ]]>
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                                                                                                                            <pubDate>Mon, 05 Aug 2013 11:49:44 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Spending]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                                                                <author><![CDATA[ lisa.gerstner@futurenet.com (Lisa Gerstner) ]]></author>                    <dc:creator><![CDATA[ Lisa Gerstner ]]></dc:creator>                                                                                                </item>
                                <item>
                                                            <title><![CDATA[ How to Get Free Identity Theft Protection ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/article/credit/t048-c011-s001-how-to-get-free-identity-theft-protection.html</link>
                                                                            <description>
                            <![CDATA[ Consider monitoring your own personal information to guard against fraud. Here's how. ]]>
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                                                                                                                            <pubDate>Tue, 02 Oct 2012 00:00:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Cameron Huddleston ]]></dc:creator>                                                                                                </item>
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                                                            <title><![CDATA[ How to Deal With a Stolen Wallet ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/article/credit/t065-c011-s001-how-to-deal-with-a-stolen-wallet.html</link>
                                                                            <description>
                            <![CDATA[ Take a tally of what's in your wallet now so you'll be prepared if something happens to it. ]]>
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                                                                                                                            <pubDate>Fri, 31 Aug 2012 00:00:00 +0000</pubDate>                                                                                                                                <updated>Wed, 17 May 2023 13:51:43 +0000</updated>
                                                                                                                                            <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Family Savings]]></category>
                                                    <category><![CDATA[How To Save Money]]></category>
                                                                                                                    <dc:creator><![CDATA[ Jessica L. Anderson ]]></dc:creator>                                                                                                </item>
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                                                            <title><![CDATA[ Improve Your Credit Score Before Applying for a Loan ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/article/credit/t017-c001-s001-improve-your-credit-score-before-applying-for-a-lo.html</link>
                                                                            <description>
                            <![CDATA[ To qualify for a lower loan rate, follow this timeline to boost your score. ]]>
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                                                                                                                            <pubDate>Mon, 23 Apr 2012 00:00:01 +0000</pubDate>                                                                                                                                <updated>Fri, 27 Apr 2012 00:00:00 +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[ Kimberly Lankford ]]></dc:creator>                                                                                                </item>
                                <item>
                                                            <title><![CDATA[ Boost Your Credit Score in 2 Easy Steps ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/article/credit/t017-c006-s001-boost-your-credit-score-in-2-easy-steps.html</link>
                                                                            <description>
                            <![CDATA[ Once you learn your credit score and commit to improving it, you can make big gains with simple behaviors. ]]>
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                                                                                                                            <pubDate>Mon, 24 May 2010 00:00:00 +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[ Stacy Rapacon ]]></dc:creator>                                                                                                </item>
                                <item>
                                                            <title><![CDATA[ My Wallet Was Stolen. Now What? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/article/credit/t065-c001-s001-my-wallet-was-stolen-now-what.html</link>
                                                                            <description>
                            <![CDATA[ Act quickly to prevent fraudulent charges on your accounts and to protect your identity. ]]>
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                                                                                                                            <pubDate>Wed, 16 Apr 2008 00:00:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Family Savings]]></category>
                                                    <category><![CDATA[How To Save Money]]></category>
                                                                                                                    <dc:creator><![CDATA[ Kimberly Lankford ]]></dc:creator>                                                                                                </item>
                                <item>
                                                            <title><![CDATA[ Do Reissued Credit Cards Hurt Credit Scores? ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/article/credit/t016-c000-s002-do-reissued-credit-cards-hurt-credit-scores.html</link>
                                                                            <description>
                            <![CDATA[ Make sure replaced credit cards do not appear as a new account on your credit report. ]]>
                                                                                                            </description>
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                                                                                                                            <pubDate>Mon, 31 Mar 2008 00:00:00 +0000</pubDate>                                                                                                                                                                                                                                <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                    <category><![CDATA[Credit Cards]]></category>
                                                                                                                    <dc:creator><![CDATA[ Joan Goldwasser ]]></dc:creator>                                                                                                </item>
                                <item>
                                                            <title><![CDATA[ Fraud Alert vs. Credit Freeze ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/article/credit/t017-c001-s001-fraud-alert-vs-credit-freeze.html</link>
                                                                            <description>
                            <![CDATA[ Both of these allow you to protect your personal information, but one is more foolproof. ]]>
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                                                                        <pubDate>Thu, 06 Mar 2008 00:00:01 +0000</pubDate>                                                                                                                                <updated>Fri, 15 Sep 2017 14:38:42 +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[ Kimberly Lankford ]]></dc:creator>                                                                                                    <media:content type="image/jpeg" url="https://cdn.mos.cms.futurecdn.net/6PtATKzVUy9HaxmG9ZJ4q3-1280-80.jpg">
                                                            <media:credit><![CDATA[© Rubberball 2009]]></media:credit>
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                                                            <title><![CDATA[ Credit Report Access Denied ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/article/credit/t017-c001-s001-credit-report-access-denied.html</link>
                                                                            <description>
                            <![CDATA[ Americans living overseas can't access their free credit report online. Here are the alternatives. ]]>
                                                                                                            </description>
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                                                                                                                            <pubDate>Mon, 25 Jun 2007 00:00:00 +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[ Kimberly Lankford ]]></dc:creator>                                                                                                </item>
                                <item>
                                                            <title><![CDATA[ 7 Ways to Protect Your Parent's Good Name  ]]></title>
                                                                                                                                                                                                <link>https://www.kiplinger.com/article/credit/t048-c000-s001-7-ways-to-protect-your-parent-s-good-name.html</link>
                                                                            <description>
                            <![CDATA[ Don't let thieves steal mom or dad's identity after they die. ]]>
                                                                                                            </description>
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                                                                                                                            <pubDate>Thu, 01 Mar 2007 00:00:01 +0000</pubDate>                                                                                                                                <updated>Fri, 16 Nov 2007 00:00:00 +0000</updated>
                                                                                                                                            <category><![CDATA[Credit &amp; Debt]]></category>
                                                    <category><![CDATA[Personal Finance]]></category>
                                                                                                                    <dc:creator><![CDATA[ Patricia Mertz Esswein ]]></dc:creator>                                                                                                </item>
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