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	<title>The Frugal Pig &#187; credit score</title>
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		<title>How To Misuse Credit Cards</title>
		<link>http://www.frugalpig.com/frugallife/frugal-finance/pay-off-debt/how-to-misuse-credit-cards/</link>
		<comments>http://www.frugalpig.com/frugallife/frugal-finance/pay-off-debt/how-to-misuse-credit-cards/#comments</comments>
		<pubDate>Thu, 26 Jan 2012 14:54:37 +0000</pubDate>
		<dc:creator>Oink</dc:creator>
				<category><![CDATA[Pay Off Debt]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[credit score]]></category>

		<guid isPermaLink="false">http://www.frugalpig.com/frugallife/?p=664</guid>
		<description><![CDATA[Credit Misuse Is The Problem Having a credit card is not the problem with most people who get into financial trouble. Misuse of credit cards is usually on of the problems though! If you handle your credit cards the right way, they can improve your financial security and comfort. If you misuse them, they can make you miserable. At the Frugal Pig, we are quite aware that stuff happens. There may be cases where misuse is warranted, but they should probably fall in the category of absolutely needing to fix your car so you can get to work, or needing dental servies right now. If you ever find yourself in an emergency situation, previous credit card misuse, over frivolous things, will only make your situation worse. But mostly, the difference between a mediocre and a great credit score, comes down to small things. You can pay all of your bills on time, have money in the bank, and still be paying too much for credit. Maxing Out Your Cards (Or Coming Close) If you are constantly charging, and making low payments, you will find yourself coming close to using up your available credit. You may even charge an amount that [...]
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</ol>

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		<title>What is a Credit Score?</title>
		<link>http://www.frugalpig.com/frugallife/frugal-finance/finance/what-is-a-credit-score/</link>
		<comments>http://www.frugalpig.com/frugallife/frugal-finance/finance/what-is-a-credit-score/#comments</comments>
		<pubDate>Thu, 18 Sep 2008 13:23:47 +0000</pubDate>
		<dc:creator>Oink</dc:creator>
				<category><![CDATA[finance]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[credit score]]></category>

		<guid isPermaLink="false">http://www.frugalpig.com/frugallife/?p=56</guid>
		<description><![CDATA[Most of us know that we have something called a credit report on file somewhere. We also know that credit report affects our ability to obtain financing, and it also affects the interest rate we pay if we can get credit. This impacts our home mortgage, car loans, and other credit. However, even though we have some vague idea that we have a credit score and credit report, we really do not not understand it. Bad Credit Blues explains credit scores here! They tell us that Americans have a number assigned to them that is between 300 and 850, and the higher that number is the better! The majority of people have credit somewhere between the high 600&#8242;s and mid 700&#8242;s. A credit score below 600 is weak, while a credit score over 700 is usually pretty good. And even though all 3 major credit bureaus use the same basic calculation for credit scores, the scores are likely to differ slightly, mostly because different information may get reported to each source. Remember, the better your credit score is, the less you will pay for credit. A large factor in calculating your own score is how timely you pay your bills, [...]
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