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	<title>Credit Score Magic</title>
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	<link>http://credit-score-magic.info</link>
	<description>See Your Credit Report in Seconds! Easy to Read and Viewable Online</description>
	<lastBuildDate>Fri, 27 Jan 2012 12:53:06 +0000</lastBuildDate>
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		<title>Consumer Optimism</title>
		<link>http://credit-score-magic.info/credit-score-guide/consumer-optimism</link>
		<comments>http://credit-score-magic.info/credit-score-guide/consumer-optimism#comments</comments>
		<pubDate>Mon, 23 Jan 2012 08:12:28 +0000</pubDate>
		<dc:creator>Leo Shoobridge</dc:creator>
				<category><![CDATA[Credit Score Guide]]></category>
		<category><![CDATA[Consumer Optimism]]></category>
		<category><![CDATA[Optimism]]></category>

		<guid isPermaLink="false">http://credit-score-magic.info/credit-score-guide/consumer-optimism</guid>
		<description><![CDATA[The future is looking like a mixed bag. Consumer optimism about the economic future has rebounded seven points since August, with 48% of Americans expecting local business conditions to improve over the next 12 months. However, just 26% of consumers believe the economic downturn has reached its bottom while 69% of Americans believe we have [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Will the Unbanked Ever Become Bankable? Shocking Unbanked Statistics</title>
		<link>http://credit-score-magic.info/credit-score/will-the-unbanked-ever-become-bankable-shocking-unbanked-statistics</link>
		<comments>http://credit-score-magic.info/credit-score/will-the-unbanked-ever-become-bankable-shocking-unbanked-statistics#comments</comments>
		<pubDate>Fri, 20 Jan 2012 16:38:15 +0000</pubDate>
		<dc:creator>Darell Nad</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Become Bankable]]></category>
		<category><![CDATA[Ever Become]]></category>
		<category><![CDATA[Ever Become Bankable]]></category>
		<category><![CDATA[Unbanked]]></category>

		<guid isPermaLink="false">http://credit-score-magic.info/credit-score/will-the-unbanked-ever-become-bankable-shocking-unbanked-statistics</guid>
		<description><![CDATA[Will the Unbanked Ever Become Bankable? With the rise of pre-paid debit cards, payday loans and pawn shops, we learn more about a large segment of the population that lurks in the shadows of the financial system in our country called the “unbanked.” These are people from a variety of backgrounds and for any number of [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Survey of consumer attitudes toward budgeting and bill paying</title>
		<link>http://credit-score-magic.info/credit-cards-news/survey-of-consumer-attitudes-toward-budgeting-and-bill-paying</link>
		<comments>http://credit-score-magic.info/credit-cards-news/survey-of-consumer-attitudes-toward-budgeting-and-bill-paying#comments</comments>
		<pubDate>Wed, 18 Jan 2012 12:08:13 +0000</pubDate>
		<dc:creator>Rory Donnithorne</dc:creator>
				<category><![CDATA[Credit Cards News]]></category>
		<category><![CDATA[Bill]]></category>
		<category><![CDATA[Bill Paying]]></category>

		<guid isPermaLink="false">http://credit-score-magic.info/credit-cards-news/survey-of-consumer-attitudes-toward-budgeting-and-bill-paying</guid>
		<description><![CDATA[The latest Western Union Money Mindset Index finds that now, more than ever before, consumers want control of their budgets. They are using a variety of bill payment strategies as a means to accomplish this; from prioritizing which bills get paid first to adopting walk-in/urgent payment, web and social media payment channels. Survey Findings 37 [...]]]></description>
		<wfw:commentRss>http://credit-score-magic.info/credit-cards-news/survey-of-consumer-attitudes-toward-budgeting-and-bill-paying/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Fix Spouse&#8217;s Credit Before Buying a Home</title>
		<link>http://credit-score-magic.info/credit-cards-news/fix-spouses-credit-before-buying-a-home</link>
		<comments>http://credit-score-magic.info/credit-cards-news/fix-spouses-credit-before-buying-a-home#comments</comments>
		<pubDate>Wed, 18 Jan 2012 06:06:53 +0000</pubDate>
		<dc:creator>Rory Donnithorne</dc:creator>
				<category><![CDATA[Credit Cards News]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[Credit Buying]]></category>

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		<description><![CDATA[Dear Eva, I’m getting married in a few months, and I’m confused about what happens to our credit after we’re married. If we keep separate credit cards, then everything else would stay separate, too, right? But what if we want to buy a car or a house? My fiance doesn’t have the best credit, but [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How-To Guide to Airline Miles Churning</title>
		<link>http://credit-score-magic.info/credit-score/how-to-guide-to-airline-miles-churning</link>
		<comments>http://credit-score-magic.info/credit-score/how-to-guide-to-airline-miles-churning#comments</comments>
		<pubDate>Sat, 14 Jan 2012 12:04:00 +0000</pubDate>
		<dc:creator>Darell Nad</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Churning]]></category>

		<guid isPermaLink="false">http://credit-score-magic.info/credit-score/how-to-guide-to-airline-miles-churning</guid>
		<description><![CDATA[There’s a new dance in town, one that’s earning a few crafty frequent fliers more bonus miles than they can handle. It’s called “churning” in reference to the process of making butter, and though it takes some time to memorize the steps, once you know the routine you can reap thousands of sweet, morally ambiguous [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Regulations Governing Student Credit Cards</title>
		<link>http://credit-score-magic.info/credit-cards-news/regulations-governing-student-credit-cards</link>
		<comments>http://credit-score-magic.info/credit-cards-news/regulations-governing-student-credit-cards#comments</comments>
		<pubDate>Sun, 08 Jan 2012 22:40:11 +0000</pubDate>
		<dc:creator>Rory Donnithorne</dc:creator>
				<category><![CDATA[Credit Cards News]]></category>
		<category><![CDATA[Cards]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Student Credit]]></category>
		<category><![CDATA[Student Credit Cards]]></category>

		<guid isPermaLink="false">http://credit-score-magic.info/credit-cards-news/regulations-governing-student-credit-cards</guid>
		<description><![CDATA[The regulations governing student credit cards are essential for any young adult and parent to know. These laws protect teens and young adults from building up too much debt at too young an age. These restrictions also keep credit card companies from using deceptive methods on unsuspecting teens. In 2009, the Credit Card Accountability, Responsibility [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Consumer watchdog begins supervising nonbanks</title>
		<link>http://credit-score-magic.info/credit-score/consumer-watchdog-begins-supervising-nonbanks</link>
		<comments>http://credit-score-magic.info/credit-score/consumer-watchdog-begins-supervising-nonbanks#comments</comments>
		<pubDate>Sun, 08 Jan 2012 20:10:26 +0000</pubDate>
		<dc:creator>Darell Nad</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Watchdog]]></category>
		<category><![CDATA[Watchdog Begins]]></category>

		<guid isPermaLink="false">http://credit-score-magic.info/credit-score/consumer-watchdog-begins-supervising-nonbanks</guid>
		<description><![CDATA[On his first full day as director of the federal consumer financial watchdog agency, Richard Cordray announced the start of closer scrutiny of nonbank financial services providers such as payday lenders, check cashing stores, credit bureaus and debt collectors. &#8220;Holding banks and nonbanks accountable to consumer financial laws will help create a fairer, more transparent [...]]]></description>
		<wfw:commentRss>http://credit-score-magic.info/credit-score/consumer-watchdog-begins-supervising-nonbanks/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Free Credit Monitoring: Your 2012 Identity Protection Plan</title>
		<link>http://credit-score-magic.info/credit-score-guide/free-credit-monitoring-your-2012-identity-protection-plan</link>
		<comments>http://credit-score-magic.info/credit-score-guide/free-credit-monitoring-your-2012-identity-protection-plan#comments</comments>
		<pubDate>Thu, 05 Jan 2012 12:12:53 +0000</pubDate>
		<dc:creator>Leo Shoobridge</dc:creator>
				<category><![CDATA[Credit Score Guide]]></category>
		<category><![CDATA[Credit Monitoring]]></category>
		<category><![CDATA[Free Credit]]></category>
		<category><![CDATA[Free Credit Monitoring]]></category>
		<category><![CDATA[Monitoring]]></category>

		<guid isPermaLink="false">http://credit-score-magic.info/credit-score-guide/free-credit-monitoring-your-2012-identity-protection-plan</guid>
		<description><![CDATA[We’ve done it again. On the heels of our latest free feature, My Accounts, we’re now offering our best product yet: Free Credit Monitoring. Using Credit Karma to manage your credit health just got easier with Free Credit Monitoring, which proactively monitors your TransUnion credit report every day and notifies you of significant changes to [...]]]></description>
		<wfw:commentRss>http://credit-score-magic.info/credit-score-guide/free-credit-monitoring-your-2012-identity-protection-plan/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Survey Shows Credit Unions Satisfying Customers</title>
		<link>http://credit-score-magic.info/credit-cards-news/survey-shows-credit-unions-satisfying-customers</link>
		<comments>http://credit-score-magic.info/credit-cards-news/survey-shows-credit-unions-satisfying-customers#comments</comments>
		<pubDate>Sat, 31 Dec 2011 04:52:08 +0000</pubDate>
		<dc:creator>Rory Donnithorne</dc:creator>
				<category><![CDATA[Credit Cards News]]></category>
		<category><![CDATA[Credit Unions]]></category>
		<category><![CDATA[Unions]]></category>

		<guid isPermaLink="false">http://credit-score-magic.info/credit-cards-news/survey-shows-credit-unions-satisfying-customers</guid>
		<description><![CDATA[Survey results released by the American Customer Satisfaction Index are indicating that credit unions scored an average of 87 on a 1 to 100 weighted scale, which is an 8.7 percent increase from the previous year as well as an all time high score across all of the business sectors monitored by the survey. Banks [...]]]></description>
		<wfw:commentRss>http://credit-score-magic.info/credit-cards-news/survey-shows-credit-unions-satisfying-customers/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Jun 15, Instant Approval Credit Cards &#8211; The Pros and Cons</title>
		<link>http://credit-score-magic.info/credit-score-guide/jun-15-instant-approval-credit-cards-the-pros-and-cons</link>
		<comments>http://credit-score-magic.info/credit-score-guide/jun-15-instant-approval-credit-cards-the-pros-and-cons#comments</comments>
		<pubDate>Fri, 16 Dec 2011 16:46:19 +0000</pubDate>
		<dc:creator>Leo Shoobridge</dc:creator>
				<category><![CDATA[Credit Score Guide]]></category>
		<category><![CDATA[Approval Credit]]></category>
		<category><![CDATA[Approval Credit Cards]]></category>
		<category><![CDATA[Cards]]></category>
		<category><![CDATA[Credit Cards]]></category>

		<guid isPermaLink="false">http://credit-score-magic.info/credit-score-guide/jun-15-instant-approval-credit-cards-the-pros-and-cons</guid>
		<description><![CDATA[Are you curious about the real meaning of the instant approval credit cards and whether you should apply for one right away? You might have seen offers in your junk mail for online credit companies offering instant approval cards or loans when you fill the application through their website. When you apply for these, you [...]]]></description>
		<wfw:commentRss>http://credit-score-magic.info/credit-score-guide/jun-15-instant-approval-credit-cards-the-pros-and-cons/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>I Pay My Credit Card Bills in Full Each Month, Why Does My Credit Report Still Show That it Has a Balance?</title>
		<link>http://credit-score-magic.info/credit-cards-news/i-pay-my-credit-card-bills-in-full-each-month-why-does-my-credit-report-still-show-that-it-has-a-balance</link>
		<comments>http://credit-score-magic.info/credit-cards-news/i-pay-my-credit-card-bills-in-full-each-month-why-does-my-credit-report-still-show-that-it-has-a-balance#comments</comments>
		<pubDate>Wed, 14 Dec 2011 07:18:32 +0000</pubDate>
		<dc:creator>Rory Donnithorne</dc:creator>
				<category><![CDATA[Credit Cards News]]></category>
		<category><![CDATA[Balance]]></category>
		<category><![CDATA[Credit Card]]></category>
		<category><![CDATA[Credit Report]]></category>

		<guid isPermaLink="false">http://credit-score-magic.info/credit-cards-news/i-pay-my-credit-card-bills-in-full-each-month-why-does-my-credit-report-still-show-that-it-has-a-balance</guid>
		<description><![CDATA[The credit card issuers send their accounts receivable data to the credit reporting agencies on a monthly basis.  This information contains your credit limit, amount you owe (balance), minimum payment, date of last payment and payment date.  If you used your credit card that month, there will be a balance due on your statement.  When [...]]]></description>
		<wfw:commentRss>http://credit-score-magic.info/credit-cards-news/i-pay-my-credit-card-bills-in-full-each-month-why-does-my-credit-report-still-show-that-it-has-a-balance/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>American Express for Target</title>
		<link>http://credit-score-magic.info/credit-score-guide/american-express-for-target</link>
		<comments>http://credit-score-magic.info/credit-score-guide/american-express-for-target#comments</comments>
		<pubDate>Tue, 06 Dec 2011 03:40:27 +0000</pubDate>
		<dc:creator>Leo Shoobridge</dc:creator>
				<category><![CDATA[Credit Score Guide]]></category>
		<category><![CDATA[American Express]]></category>
		<category><![CDATA[Target]]></category>

		<guid isPermaLink="false">http://credit-score-magic.info/credit-score-guide/american-express-for-target</guid>
		<description><![CDATA[Listen up Target Shoppers; the &#8220;American Express for Target&#8221; reloadable prepaid card is here! With no monthly or maintenance fees and available at more than 1,000 U.S. Target stores, your funds can be loaded at the register using multiple loading options. You can also reload online or by phone. Additionally, the &#8220;American Express for Target [...]]]></description>
		<wfw:commentRss>http://credit-score-magic.info/credit-score-guide/american-express-for-target/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>CFPB Proposes Two-Page Credit Card Agreement</title>
		<link>http://credit-score-magic.info/credit-cards-news/cfpb-proposes-two-page-credit-card-agreement</link>
		<comments>http://credit-score-magic.info/credit-cards-news/cfpb-proposes-two-page-credit-card-agreement#comments</comments>
		<pubDate>Mon, 05 Dec 2011 17:46:20 +0000</pubDate>
		<dc:creator>Rory Donnithorne</dc:creator>
				<category><![CDATA[Credit Cards News]]></category>
		<category><![CDATA[Agreement]]></category>
		<category><![CDATA[Card Agreement]]></category>
		<category><![CDATA[Credit Card]]></category>
		<category><![CDATA[Credit Card Agreement]]></category>

		<guid isPermaLink="false">http://credit-score-magic.info/credit-cards-news/cfpb-proposes-two-page-credit-card-agreement</guid>
		<description><![CDATA[The federal agency charged with resolving consumers’ credit card questions and complaints on Wednesday proposed a two-page credit card agreement meant to simplify terms and make fees and penalties more clear. The Consumer Financial Protection Bureau (CFPB) wants the public to weigh in on the prototype that, if approved, would be optional for issuers. (Instructions [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Fake iTunes Gift Certificates Leading To Malware Infections</title>
		<link>http://credit-score-magic.info/credit-score/fake-itunes-gift-certificates-leading-to-malware-infections</link>
		<comments>http://credit-score-magic.info/credit-score/fake-itunes-gift-certificates-leading-to-malware-infections#comments</comments>
		<pubDate>Fri, 02 Dec 2011 02:50:38 +0000</pubDate>
		<dc:creator>Darell Nad</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Gift]]></category>
		<category><![CDATA[Gift Certificates]]></category>
		<category><![CDATA[Itunes Gift]]></category>
		<category><![CDATA[Itunes Gift Certificates]]></category>

		<guid isPermaLink="false">http://credit-score-magic.info/credit-score/fake-itunes-gift-certificates-leading-to-malware-infections</guid>
		<description><![CDATA[If you plan to buy your loved ones, friends and co-workers iTunes gift certificates this holiday season you might want to avoid e-mail offers for the cards. A group of 11 specialists are warning buyers of fake certificates that offer no monetary value while placing malware on the users computer. The emails, which read “iTunes [...]]]></description>
		<wfw:commentRss>http://credit-score-magic.info/credit-score/fake-itunes-gift-certificates-leading-to-malware-infections/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Affinity Debit Cards</title>
		<link>http://credit-score-magic.info/credit-cards-news/affinity-debit-cards</link>
		<comments>http://credit-score-magic.info/credit-cards-news/affinity-debit-cards#comments</comments>
		<pubDate>Thu, 01 Dec 2011 07:29:33 +0000</pubDate>
		<dc:creator>Rory Donnithorne</dc:creator>
				<category><![CDATA[Credit Cards News]]></category>
		<category><![CDATA[Affinity Debit]]></category>
		<category><![CDATA[Affinity Debit Cards]]></category>
		<category><![CDATA[Cards]]></category>
		<category><![CDATA[Debit Cards]]></category>

		<guid isPermaLink="false">http://credit-score-magic.info/credit-cards-news/affinity-debit-cards</guid>
		<description><![CDATA[Affinity debit cards help businesses establish strong brand image while providing consumers with a way to earn rewards. These debit cards link directly to the consumers checking account. Tempo issues Affinity Debit Cards to partner companies. These cards are debit cards, not credit cards. This is not a loan. Purchases made with the card withdraw [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>European Debt Crisis: What Effect Will it Have on Credit Card Rates?</title>
		<link>http://credit-score-magic.info/credit-score/european-debt-crisis-what-effect-will-it-have-on-credit-card-rates</link>
		<comments>http://credit-score-magic.info/credit-score/european-debt-crisis-what-effect-will-it-have-on-credit-card-rates#comments</comments>
		<pubDate>Fri, 25 Nov 2011 04:22:44 +0000</pubDate>
		<dc:creator>Darell Nad</dc:creator>
				<category><![CDATA[Credit Cards]]></category>

		<guid isPermaLink="false">http://credit-score-magic.info/credit-score/european-debt-crisis-what-effect-will-it-have-on-credit-card-rates</guid>
		<description><![CDATA[For much of the last couple of years, most of us have paid little attention to the brewing financial problems of Europe, not because they weren’t that significant, but primarily because we have our own problems here at home. Although we are still neck deep in debt, deficit and recession worries, it’s becoming increasingly difficult [...]]]></description>
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		<slash:comments>0</slash:comments>
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