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	<title>Quizzle Wire &#187; Credit &#171; Personal Finance Blog</title>
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	<link>http://www.quizzle.com/blog</link>
	<description>Personal Finance Blog</description>
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		<title>What the Heck is Credit Utilization?</title>
		<link>http://www.quizzle.com/blog/2012/02/what-the-heck-is-credit-utilization/</link>
		<comments>http://www.quizzle.com/blog/2012/02/what-the-heck-is-credit-utilization/#comments</comments>
		<pubDate>Mon, 06 Feb 2012 11:00:29 +0000</pubDate>
		<dc:creator>Bill Rice</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Credit Reports & Scores]]></category>
		<category><![CDATA[balance to credit limit]]></category>
		<category><![CDATA[balances to credit limits]]></category>
		<category><![CDATA[Credit Improvement]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[credit reports]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[credit use]]></category>
		<category><![CDATA[credit utilization]]></category>
		<category><![CDATA[credit utilization credit score]]></category>
		<category><![CDATA[percentage of credit used]]></category>
		<category><![CDATA[Quizzle]]></category>

		<guid isPermaLink="false">http://www.quizzle.com/blog/?p=14490</guid>
		<description><![CDATA[Do you know what credit utilization is or how it may be negatively impacting your credit score? We give you the scoop.]]></description>
		<wfw:commentRss>http://www.quizzle.com/blog/2012/02/what-the-heck-is-credit-utilization/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Can I Use My Spouse&#8217;s Good Credit?</title>
		<link>http://www.quizzle.com/blog/2012/01/can-i-use-my-spouses-good-credit/</link>
		<comments>http://www.quizzle.com/blog/2012/01/can-i-use-my-spouses-good-credit/#comments</comments>
		<pubDate>Mon, 30 Jan 2012 11:00:19 +0000</pubDate>
		<dc:creator>Bill Rice</dc:creator>
				<category><![CDATA[Credit Reports & Scores]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[credit and spouse]]></category>
		<category><![CDATA[credit history]]></category>
		<category><![CDATA[credit improve]]></category>
		<category><![CDATA[Credit Improvement]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[credit reports]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[improve credit]]></category>
		<category><![CDATA[Quizzle]]></category>
		<category><![CDATA[spouse and credit]]></category>
		<category><![CDATA[spouse's credit score]]></category>

		<guid isPermaLink="false">http://www.quizzle.com/blog/?p=14386</guid>
		<description><![CDATA[As an old relationship adage goes, “Opposites attract,” so might your credit scores. Many marriages seem to unite polar opposite credit scores. If your credit score is poor, but your spouse’s is good, is there hope for qualifying for a better credit card, auto loan, or mortgage?

The short answer is, “Yes.” However, there are a few things to consider when you and your spouse are applying for new credit.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>5 Situations When You Should Use Your Credit Card</title>
		<link>http://www.quizzle.com/blog/2012/01/5-situations-when-you-should-use-your-credit-card/</link>
		<comments>http://www.quizzle.com/blog/2012/01/5-situations-when-you-should-use-your-credit-card/#comments</comments>
		<pubDate>Fri, 20 Jan 2012 11:00:24 +0000</pubDate>
		<dc:creator>Kristie Lorette</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Partner]]></category>
		<category><![CDATA[advantages of credit card]]></category>
		<category><![CDATA[benefits of credit card]]></category>
		<category><![CDATA[cash]]></category>
		<category><![CDATA[cash vs. credit]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit card advantages]]></category>
		<category><![CDATA[credit card benefits]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[credit vs. cash]]></category>
		<category><![CDATA[debit card]]></category>
		<category><![CDATA[Quizzle]]></category>
		<category><![CDATA[when to use a credit card]]></category>

		<guid isPermaLink="false">http://www.quizzle.com/blog/?p=14269</guid>
		<description><![CDATA[The scuttlebutt is to avoid using your credit card at all costs. Using a credit card to make purchases just racks up the balance and interest you have to pay off later. While there are many occasions when using a credit card is a bad idea (like when you are unable to pay off your balance in full by its due date), there are five situations where using credit is better than using cash or a debit card.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>10 Steps to Stop ID Theft Dead in Its Tracks!</title>
		<link>http://www.quizzle.com/blog/2012/01/10-steps-to-stop-id-theft-dead-in-its-tracks/</link>
		<comments>http://www.quizzle.com/blog/2012/01/10-steps-to-stop-id-theft-dead-in-its-tracks/#comments</comments>
		<pubDate>Mon, 09 Jan 2012 17:49:33 +0000</pubDate>
		<dc:creator>Bill Rice</dc:creator>
				<category><![CDATA[Identity Theft]]></category>
		<category><![CDATA[Partner]]></category>
		<category><![CDATA[credit check]]></category>
		<category><![CDATA[credit history]]></category>
		<category><![CDATA[credit identity theft protection]]></category>
		<category><![CDATA[credit monitoring]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[cyber crime]]></category>
		<category><![CDATA[id theft]]></category>
		<category><![CDATA[identity]]></category>
		<category><![CDATA[identity fraud]]></category>
		<category><![CDATA[identity fraud protection]]></category>
		<category><![CDATA[identity fraud theft]]></category>
		<category><![CDATA[identity protection plan]]></category>
		<category><![CDATA[identity protection theft]]></category>
		<category><![CDATA[identity theft credit]]></category>
		<category><![CDATA[identity theft fraud]]></category>
		<category><![CDATA[identity theft fraud protection]]></category>
		<category><![CDATA[identity theft protection]]></category>
		<category><![CDATA[identity theft protection quizzle]]></category>
		<category><![CDATA[internet security]]></category>
		<category><![CDATA[monitor your credit]]></category>
		<category><![CDATA[one-time-use credit card]]></category>
		<category><![CDATA[online shopping]]></category>
		<category><![CDATA[paper shredder]]></category>
		<category><![CDATA[personal identity protection]]></category>
		<category><![CDATA[prevent identity theft]]></category>
		<category><![CDATA[protect my identity]]></category>
		<category><![CDATA[protect your identity]]></category>
		<category><![CDATA[protection from identity theft]]></category>
		<category><![CDATA[protection identity theft]]></category>
		<category><![CDATA[Quizzle]]></category>
		<category><![CDATA[quizzle identity theft protection]]></category>
		<category><![CDATA[shopping online]]></category>
		<category><![CDATA[shopping online shopping]]></category>
		<category><![CDATA[shredder]]></category>
		<category><![CDATA[verisign]]></category>

		<guid isPermaLink="false">http://www.quizzle.com/blog/?p=14132</guid>
		<description><![CDATA[Identity theft happens all too frequently. A few careless mistakes with your personal information and you could be in the clutches of an ID thief. How do you prevent identity theft and fraud from happening to you? Here are 10 steps to safeguard your personal information and make sure ne’er do wells don’t snatch your credit identity.]]></description>
		<wfw:commentRss>http://www.quizzle.com/blog/2012/01/10-steps-to-stop-id-theft-dead-in-its-tracks/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>5 Top Financial Scams to Avoid in 2012</title>
		<link>http://www.quizzle.com/blog/2012/01/5-top-financial-scams-to-avoid-in-2012/</link>
		<comments>http://www.quizzle.com/blog/2012/01/5-top-financial-scams-to-avoid-in-2012/#comments</comments>
		<pubDate>Fri, 06 Jan 2012 10:00:57 +0000</pubDate>
		<dc:creator>Kristie Lorette</dc:creator>
				<category><![CDATA[Identity Theft]]></category>
		<category><![CDATA[Money Management]]></category>
		<category><![CDATA[Partner]]></category>
		<category><![CDATA[avoid scam]]></category>
		<category><![CDATA[avoid scams]]></category>
		<category><![CDATA[financial fraud]]></category>
		<category><![CDATA[financial pitfall]]></category>
		<category><![CDATA[financial pitfalls]]></category>
		<category><![CDATA[financial scam]]></category>
		<category><![CDATA[financial scams]]></category>
		<category><![CDATA[fraud]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[money pitfall]]></category>
		<category><![CDATA[money pitfalls]]></category>
		<category><![CDATA[money scam]]></category>
		<category><![CDATA[money scams]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[protect finance]]></category>
		<category><![CDATA[protect finances]]></category>
		<category><![CDATA[Quizzle]]></category>
		<category><![CDATA[quizzle scam]]></category>
		<category><![CDATA[quizzle scams]]></category>
		<category><![CDATA[scam]]></category>
		<category><![CDATA[scam quizzle]]></category>
		<category><![CDATA[scams]]></category>
		<category><![CDATA[scams quizzle]]></category>

		<guid isPermaLink="false">http://www.quizzle.com/blog/?p=14053</guid>
		<description><![CDATA[To start the new year off on the right financial footing and avoid falling prey to these scams, take a look at the five biggest scams of last year, including purchase overcharges, benefit buybacks, family scams, fraudulent rental deposits and loans that aren’t yours.]]></description>
		<wfw:commentRss>http://www.quizzle.com/blog/2012/01/5-top-financial-scams-to-avoid-in-2012/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>4 Things to Look for in Your Credit Report</title>
		<link>http://www.quizzle.com/blog/2012/01/4-things-to-look-for-in-your-credit-report/</link>
		<comments>http://www.quizzle.com/blog/2012/01/4-things-to-look-for-in-your-credit-report/#comments</comments>
		<pubDate>Thu, 05 Jan 2012 10:00:18 +0000</pubDate>
		<dc:creator>Juliana Weiss-Roessler</dc:creator>
				<category><![CDATA[Credit Reports & Scores]]></category>
		<category><![CDATA[Partner]]></category>
		<category><![CDATA[check credit]]></category>
		<category><![CDATA[check my credit]]></category>
		<category><![CDATA[check your credit]]></category>
		<category><![CDATA[credit check]]></category>
		<category><![CDATA[credit history]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[credit reports]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[free credit report]]></category>
		<category><![CDATA[how to read a credit report]]></category>
		<category><![CDATA[how to review a credit report]]></category>
		<category><![CDATA[my credit report]]></category>
		<category><![CDATA[Quizzle]]></category>
		<category><![CDATA[reading a credit report]]></category>
		<category><![CDATA[review credit report]]></category>
		<category><![CDATA[review my credit report]]></category>
		<category><![CDATA[what to look for on credit report]]></category>
		<category><![CDATA[your credit report]]></category>

		<guid isPermaLink="false">http://www.quizzle.com/blog/?p=14026</guid>
		<description><![CDATA[You've heard it before: check your credit report. But when you get a copy of it, do you know what to look for? We give you four simple tips about what to look for and how to resolve any incorrect or problematic information.]]></description>
		<wfw:commentRss>http://www.quizzle.com/blog/2012/01/4-things-to-look-for-in-your-credit-report/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>5 Things to Do If Your Credit Score Improves</title>
		<link>http://www.quizzle.com/blog/2011/12/5-things-to-do-if-your-credit-score-improves/</link>
		<comments>http://www.quizzle.com/blog/2011/12/5-things-to-do-if-your-credit-score-improves/#comments</comments>
		<pubDate>Mon, 12 Dec 2011 19:47:45 +0000</pubDate>
		<dc:creator>Bill Rice</dc:creator>
				<category><![CDATA[Credit Improvement]]></category>
		<category><![CDATA[Credit Reports & Scores]]></category>
		<category><![CDATA[Partner]]></category>
		<category><![CDATA[better credit score]]></category>
		<category><![CDATA[credit history]]></category>
		<category><![CDATA[credit improve]]></category>
		<category><![CDATA[credit improves]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[credit report and score]]></category>
		<category><![CDATA[credit report score]]></category>
		<category><![CDATA[credit reports]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[credit score goes up]]></category>
		<category><![CDATA[credit score secrets]]></category>
		<category><![CDATA[credit score went up]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[credit secrets]]></category>
		<category><![CDATA[credit tips]]></category>
		<category><![CDATA[higher credit score]]></category>
		<category><![CDATA[if your credit score improves]]></category>
		<category><![CDATA[improve credit]]></category>
		<category><![CDATA[improved credit]]></category>
		<category><![CDATA[lower interest rate]]></category>
		<category><![CDATA[Quizzle]]></category>

		<guid isPermaLink="false">http://www.quizzle.com/blog/?p=13577</guid>
		<description><![CDATA[We spend a lot of time talking about how to improve your credit, but what do you do if your credit does improve? Well, after you’re finished doing a happy dance and bragging to all of your friends, I have a suggestion... Start taking back your cash!

That’s right! You could potentially add a lot more cash flow to your monthly budget by simply reclaiming all of the penalties your less-than-perfect credit forced you to pay. Here are five quick things you should do if your credit score goes up.]]></description>
		<wfw:commentRss>http://www.quizzle.com/blog/2011/12/5-things-to-do-if-your-credit-score-improves/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>5 Secrets to Beat the Credit Industry</title>
		<link>http://www.quizzle.com/blog/2011/12/5-secrets-to-beat-the-credit-industry/</link>
		<comments>http://www.quizzle.com/blog/2011/12/5-secrets-to-beat-the-credit-industry/#comments</comments>
		<pubDate>Mon, 05 Dec 2011 10:00:11 +0000</pubDate>
		<dc:creator>Bill Rice</dc:creator>
				<category><![CDATA[Credit Improvement]]></category>
		<category><![CDATA[Credit Reports & Scores]]></category>
		<category><![CDATA[Partner]]></category>
		<category><![CDATA[credit history]]></category>
		<category><![CDATA[credit improve]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[credit report and score]]></category>
		<category><![CDATA[credit report score]]></category>
		<category><![CDATA[credit reports]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[credit score secrets]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[credit secrets]]></category>
		<category><![CDATA[credit tips]]></category>
		<category><![CDATA[improve credit]]></category>
		<category><![CDATA[lower interest rate]]></category>
		<category><![CDATA[Quizzle]]></category>
		<category><![CDATA[secrets credit]]></category>
		<category><![CDATA[secrets of credit scores]]></category>

		<guid isPermaLink="false">http://www.quizzle.com/blog/?p=13440</guid>
		<description><![CDATA[Learn five "insider" secrets from the credit industry that will help you keep your credit report and score healthy and intact, so you can qualify for the best deals on life's largest purchases (and some smaller ones, too!).]]></description>
		<wfw:commentRss>http://www.quizzle.com/blog/2011/12/5-secrets-to-beat-the-credit-industry/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>6 Common Credit Mistakes to Avoid</title>
		<link>http://www.quizzle.com/blog/2011/11/6-common-credit-mistakes-to-avoid/</link>
		<comments>http://www.quizzle.com/blog/2011/11/6-common-credit-mistakes-to-avoid/#comments</comments>
		<pubDate>Mon, 28 Nov 2011 10:00:25 +0000</pubDate>
		<dc:creator>Bill Rice</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Credit Reports & Scores]]></category>
		<category><![CDATA[Partner]]></category>
		<category><![CDATA[affect my credit score]]></category>
		<category><![CDATA[close credit card]]></category>
		<category><![CDATA[close credit cards]]></category>
		<category><![CDATA[closing credit card]]></category>
		<category><![CDATA[closing credit cards]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[credit mistakes]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[credit reports]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[credit utilization]]></category>
		<category><![CDATA[effect my credit score]]></category>
		<category><![CDATA[miss payments]]></category>
		<category><![CDATA[missed payments]]></category>
		<category><![CDATA[mistakes credit]]></category>
		<category><![CDATA[open credit]]></category>
		<category><![CDATA[opening credit]]></category>
		<category><![CDATA[Quizzle]]></category>
		<category><![CDATA[settle accounts]]></category>
		<category><![CDATA[settle past due account]]></category>
		<category><![CDATA[settling accounts]]></category>
		<category><![CDATA[settling past due accounts]]></category>
		<category><![CDATA[shopping for credit]]></category>
		<category><![CDATA[utilization credit]]></category>

		<guid isPermaLink="false">http://www.quizzle.com/blog/?p=13278</guid>
		<description><![CDATA[Lenders, utility companies and even employers are considering consumer credit reports and data provided by credit bureaus more than ever before. Even world governments are having their credit ratings scrutinized.

Keeping your credit in tip-top shape is very important. Let’s take a look at a few common credit mistakes I hear people making over-and-over.]]></description>
		<wfw:commentRss>http://www.quizzle.com/blog/2011/11/6-common-credit-mistakes-to-avoid/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Black Friday: Why You Should Consider Paying with Your Credit Card</title>
		<link>http://www.quizzle.com/blog/2011/11/black-friday-why-you-should-consider-paying-with-your-credit-card/</link>
		<comments>http://www.quizzle.com/blog/2011/11/black-friday-why-you-should-consider-paying-with-your-credit-card/#comments</comments>
		<pubDate>Tue, 22 Nov 2011 10:00:49 +0000</pubDate>
		<dc:creator>Juliana Weiss-Roessler</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Money Saving Tips]]></category>
		<category><![CDATA[Partner]]></category>
		<category><![CDATA[advantages of credit]]></category>
		<category><![CDATA[benefits of credit]]></category>
		<category><![CDATA[black Friday]]></category>
		<category><![CDATA[black friday and credit]]></category>
		<category><![CDATA[black friday deals]]></category>
		<category><![CDATA[black friday discount]]></category>
		<category><![CDATA[black friday discounts]]></category>
		<category><![CDATA[black friday tips]]></category>
		<category><![CDATA[credit and black friday]]></category>
		<category><![CDATA[credit and shopping]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit card advantages]]></category>
		<category><![CDATA[credit card benefits]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[cyber Monday]]></category>
		<category><![CDATA[holiday shopping]]></category>
		<category><![CDATA[Quizzle]]></category>
		<category><![CDATA[shopping]]></category>
		<category><![CDATA[shopping and credit]]></category>
		<category><![CDATA[shopping tips]]></category>
		<category><![CDATA[shopping with credit]]></category>

		<guid isPermaLink="false">http://www.quizzle.com/blog/?p=13201</guid>
		<description><![CDATA[As a Black Friday shopper, you’re someone who enjoys the act of saving – maybe even more than the act of shopping! You feel triumph at every product you buy below full price and you brag about how cheap that new pair of shoes you bought were. But you may be overlooking one other way to save some money this Black Friday: your credit card.]]></description>
		<wfw:commentRss>http://www.quizzle.com/blog/2011/11/black-friday-why-you-should-consider-paying-with-your-credit-card/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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