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	<title>Comments on: How and why to improve your credit score</title>
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	<link>http://moneymerc.com/2009/03/18/how-and-why-to-improve-your-credit-score/</link>
	<description>a personal finance blog dedicated to little finance decisions with big impact</description>
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		<title>By: Nnamdi</title>
		<link>http://moneymerc.com/2009/03/18/how-and-why-to-improve-your-credit-score/comment-page-1/#comment-111</link>
		<dc:creator>Nnamdi</dc:creator>
		<pubDate>Thu, 19 Mar 2009 23:16:57 +0000</pubDate>
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		<description>On the topic of Fraud, a person can get a voluntary Alert put on their credit report. Basically in order to establish new credit, the creditor must call the number on your report, which will be yours. This service is free and can be activated by writing a request to each of the three Credit Agencies. I learned this the hard way through identity theft, but at the end of the day Ice Cream Melts.</description>
		<content:encoded><![CDATA[<p>On the topic of Fraud, a person can get a voluntary Alert put on their credit report. Basically in order to establish new credit, the creditor must call the number on your report, which will be yours. This service is free and can be activated by writing a request to each of the three Credit Agencies. I learned this the hard way through identity theft, but at the end of the day Ice Cream Melts.</p>
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		<title>By: Jackson</title>
		<link>http://moneymerc.com/2009/03/18/how-and-why-to-improve-your-credit-score/comment-page-1/#comment-110</link>
		<dc:creator>Jackson</dc:creator>
		<pubDate>Thu, 19 Mar 2009 02:44:44 +0000</pubDate>
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		<description>A mortgage officer at Chase suggested paying off my credit card before the statement date. Using the credit card, but getting the monthly statement with a $0 balance supposedly helps increase your credit score.</description>
		<content:encoded><![CDATA[<p>A mortgage officer at Chase suggested paying off my credit card before the statement date. Using the credit card, but getting the monthly statement with a $0 balance supposedly helps increase your credit score.</p>
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