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	<title>Surf Rate &#187; Credit</title>
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	<link>http://www.surfrate.com</link>
	<description>Best rates on loans, insurance, credit cards, investments and more!</description>
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		<title>Get Your Free Credit Report Today</title>
		<link>http://www.surfrate.com/learn/credit/get-your-free-credit-report-today.html</link>
		<comments>http://www.surfrate.com/learn/credit/get-your-free-credit-report-today.html#comments</comments>
		<pubDate>Thu, 07 Aug 2008 05:34:03 +0000</pubDate>
		<dc:creator>SurfRate.com</dc:creator>
				<category><![CDATA[Credit]]></category>

		<guid isPermaLink="false">http://www.surfrate.com/?p=119</guid>
		<description><![CDATA[Did you know that the government mandates that you can get your credit report once a year ABSOLUTLEY FREE? Most people don&#8217;t know this and pay $20, $40 or even more to get their credit report, accepting that a fee is required in order to know about late payments, outstanding debts and other details about [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Seven Credit Card Mistakes Consumers Make</title>
		<link>http://www.surfrate.com/learn/credit/seven-credit-card-mistakes-consumers-make.html</link>
		<comments>http://www.surfrate.com/learn/credit/seven-credit-card-mistakes-consumers-make.html#comments</comments>
		<pubDate>Fri, 07 Mar 2008 18:24:15 +0000</pubDate>
		<dc:creator>Debbie Dragon</dc:creator>
				<category><![CDATA[Credit]]></category>

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		<description><![CDATA[Learn about the top 7 traps many consumers fall into with credit cards and how you can avoid the problems and pitfalls that make the credit card companies rich.

Read these great pointers to manage your money and credit cards more wisely!]]></description>
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		<title>How to Avoid Personal Bankruptcy</title>
		<link>http://www.surfrate.com/learn/credit/how-to-avoid-personal-bankruptcy.html</link>
		<comments>http://www.surfrate.com/learn/credit/how-to-avoid-personal-bankruptcy.html#comments</comments>
		<pubDate>Fri, 25 Jan 2008 23:48:25 +0000</pubDate>
		<dc:creator>SurfRate.com</dc:creator>
				<category><![CDATA[Credit]]></category>

		<guid isPermaLink="false">http://www.surfrate.com/loan/how-to-avoid-personal-bankruptcy/</guid>
		<description><![CDATA[If you encounter financial trouble, you could be at risk of facing personal bankruptcy.

Dealing with creditors is very stressful and you need advice to negotiate the best terms possible.

But remember that you do have legal rights that can help protect you from creditors and bankruptcy is not the only option.

Read on to learn how you can avoid bankruptcy and get back on the right financial path!]]></description>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>Credit Card Fraud Protection Guide</title>
		<link>http://www.surfrate.com/learn/credit/credit-card-fraud-protection-guide.html</link>
		<comments>http://www.surfrate.com/learn/credit/credit-card-fraud-protection-guide.html#comments</comments>
		<pubDate>Fri, 25 Jan 2008 23:43:24 +0000</pubDate>
		<dc:creator>SurfRate.com</dc:creator>
				<category><![CDATA[Credit]]></category>

		<guid isPermaLink="false">http://www.surfrate.com/credit-card/credit-card-fraud-protection-guide/</guid>
		<description><![CDATA[At the present time, persons who do business through fraudulent means never seem to stop. A huge percentage of Americans fall victims to scams and frauds, costing them hundreds to thousands of dollars.
Has this ever happened to you or someone you know? If not, it may be just a matter of time unless you know [...]]]></description>
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		<title>Dealing with Credit Card Companies</title>
		<link>http://www.surfrate.com/learn/credit/dealing-with-credit-card-companies.html</link>
		<comments>http://www.surfrate.com/learn/credit/dealing-with-credit-card-companies.html#comments</comments>
		<pubDate>Fri, 25 Jan 2008 23:40:37 +0000</pubDate>
		<dc:creator>SurfRate.com</dc:creator>
				<category><![CDATA[Credit]]></category>

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		<description><![CDATA[Do you own more than just one active credit card account?
Have you been alternately using each card for all the purchases you make?
Were you suddenly surprised at how high the amount due on your monthly credit card statement has become?
If you answered yes, or can relate to any of these scenarios, then you are in [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Escaping Mortgage Disaster</title>
		<link>http://www.surfrate.com/learn/credit/escaping-mortgage-disaster.html</link>
		<comments>http://www.surfrate.com/learn/credit/escaping-mortgage-disaster.html#comments</comments>
		<pubDate>Fri, 25 Jan 2008 23:35:52 +0000</pubDate>
		<dc:creator>SurfRate.com</dc:creator>
				<category><![CDATA[Credit]]></category>

		<guid isPermaLink="false">http://www.surfrate.com/loan/escaping-mortgage-disaster/</guid>
		<description><![CDATA[So you have decided to buy a home using a home mortgage loan. This means that your mortgage company will be loaning you the amount based on the appraised value of the house to be purchased, using that said house as collateral.
After this, you will then be given an interest rate, a mortgage loan term, [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Improving Your Credit Score for Home Loans</title>
		<link>http://www.surfrate.com/learn/credit/improving-your-credit-score-for-home-loans.html</link>
		<comments>http://www.surfrate.com/learn/credit/improving-your-credit-score-for-home-loans.html#comments</comments>
		<pubDate>Fri, 25 Jan 2008 23:14:43 +0000</pubDate>
		<dc:creator>SurfRate.com</dc:creator>
				<category><![CDATA[Credit]]></category>

		<guid isPermaLink="false">http://www.surfrate.com/credit-reports/improving-your-credit-score-for-home-loans/</guid>
		<description><![CDATA[Are you thinking about getting a home? If you are getting ready for that big home purchase, then you probably need to get started on applying for a home loan now.
Just like in any loan application, you have to know that your credit score can greatly affect whether you are to be approved or denied [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Avoid the Mortgage Insurance Pitfall</title>
		<link>http://www.surfrate.com/learn/credit/avoid-the-mortgage-insurance-pitfall.html</link>
		<comments>http://www.surfrate.com/learn/credit/avoid-the-mortgage-insurance-pitfall.html#comments</comments>
		<pubDate>Fri, 25 Jan 2008 22:37:07 +0000</pubDate>
		<dc:creator>SurfRate.com</dc:creator>
				<category><![CDATA[Credit]]></category>

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		<description><![CDATA[If you have decided to buy a home, but do not possess the complete funds to cover for 100% of the payments, then a mortgage loan is the best solution for you.
Just as an explanation, a mortgage loan allows you to borrow enough money to purchase you home, using that home or property as collateral. [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Top 10 Tips on Credit Management</title>
		<link>http://www.surfrate.com/learn/credit/top-10-tips-on-credit-management.html</link>
		<comments>http://www.surfrate.com/learn/credit/top-10-tips-on-credit-management.html#comments</comments>
		<pubDate>Fri, 25 Jan 2008 22:21:07 +0000</pubDate>
		<dc:creator>SurfRate.com</dc:creator>
				<category><![CDATA[Credit]]></category>

		<guid isPermaLink="false">http://www.surfrate.com/credit-reports/top-10-tips-on-credit-management/</guid>
		<description><![CDATA[Credit management involves being sensible about your financial decisions.
Along with managing your finances and resources wisely, you need to maintain a good credit score.
If you need a little help, then here are ten tips on credit management that you can use.


Try not to take out huge loans or borrow money. Loans can affect your credit [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>Understanding Your Credit Score</title>
		<link>http://www.surfrate.com/learn/credit/understanding-your-credit-score.html</link>
		<comments>http://www.surfrate.com/learn/credit/understanding-your-credit-score.html#comments</comments>
		<pubDate>Fri, 25 Jan 2008 22:17:56 +0000</pubDate>
		<dc:creator>SurfRate.com</dc:creator>
				<category><![CDATA[Credit]]></category>

		<guid isPermaLink="false">http://www.surfrate.com/credit-reports/understanding-your-credit-score/</guid>
		<description><![CDATA[Perhaps you have been searching for car deals online, and you come across a short questionnaire that determines if you can be pre-approved for an affordable car deal.
Did you know that these car dealers, along with many other companies, are able to determine your eligibility to receive such privileges, because of your credit score?

What exactly [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>Getting a Home Improvement Loan</title>
		<link>http://www.surfrate.com/learn/credit/getting-a-home-improvement-loan.html</link>
		<comments>http://www.surfrate.com/learn/credit/getting-a-home-improvement-loan.html#comments</comments>
		<pubDate>Mon, 14 Jan 2008 22:50:22 +0000</pubDate>
		<dc:creator>SurfRate.com</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[home equity line of credit]]></category>
		<category><![CDATA[home improvement loan]]></category>
		<category><![CDATA[interest rate]]></category>
		<category><![CDATA[tax deduction]]></category>

		<guid isPermaLink="false">http://www.surfrate.com/loan/getting-a-home-improvement-loan/</guid>
		<description><![CDATA[You have been living in your home for many years, and by now your home has experienced wear and tear over that period of time.
It is unavoidable for shingles to fall off, or floors to be damaged, so you may need to do some home improvement. If your home is badly in need of some [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Learn How to Get a Better Auto Loan &#8211; Even with Bad Credit</title>
		<link>http://www.surfrate.com/learn/credit/learn-how-to-get-a-better-auto-loan-even-with-bad-credit.html</link>
		<comments>http://www.surfrate.com/learn/credit/learn-how-to-get-a-better-auto-loan-even-with-bad-credit.html#comments</comments>
		<pubDate>Mon, 14 Jan 2008 22:37:15 +0000</pubDate>
		<dc:creator>SurfRate.com</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[auto loan]]></category>
		<category><![CDATA[bad credit]]></category>
		<category><![CDATA[bad debt]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[lender]]></category>

		<guid isPermaLink="false">http://www.surfrate.com/loan/learn-how-to-get-a-better-auto-loan-even-with-bad-credit/</guid>
		<description><![CDATA[These days, it can sometimes be unavoidable to encounter financial difficulties. No matter how hard you try to manage your finances, you still tend to end up in a rut.
For some people, because of poor investment and financial choices, they fall into debt and credit score is affected negatively. This makes it extremely hard to [...]]]></description>
		<wfw:commentRss>http://www.surfrate.com/learn/credit/learn-how-to-get-a-better-auto-loan-even-with-bad-credit.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>How to Get a Student Loan</title>
		<link>http://www.surfrate.com/learn/credit/how-to-get-a-student-loan.html</link>
		<comments>http://www.surfrate.com/learn/credit/how-to-get-a-student-loan.html#comments</comments>
		<pubDate>Mon, 14 Jan 2008 21:27:57 +0000</pubDate>
		<dc:creator>SurfRate.com</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[federal student loan]]></category>
		<category><![CDATA[interest rate]]></category>
		<category><![CDATA[student financial aid]]></category>
		<category><![CDATA[student loan]]></category>

		<guid isPermaLink="false">http://www.surfrate.com/loan/how-to-get-a-student-loan/</guid>
		<description><![CDATA[Going through college is not an easy endeavor.
Aside from having to religiously attend classes, maintain a good scholastic standing, and a balanced social life, you need to think about your expenses.
These days, colleges and universities have high tuition fees, and not all students are prepared to pay for such large expenses. Many families rely on [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>How to Get Out of Debt</title>
		<link>http://www.surfrate.com/learn/credit/how-to-get-out-of-debt.html</link>
		<comments>http://www.surfrate.com/learn/credit/how-to-get-out-of-debt.html#comments</comments>
		<pubDate>Mon, 14 Jan 2008 21:13:14 +0000</pubDate>
		<dc:creator>SurfRate.com</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[consumer debt management]]></category>
		<category><![CDATA[debt help]]></category>
		<category><![CDATA[debt management program]]></category>
		<category><![CDATA[dept consolidation loans]]></category>

		<guid isPermaLink="false">http://www.surfrate.com/credit-reports/how-to-get-out-of-debt/</guid>
		<description><![CDATA[It is sometimes unavoidable for a person to fall into debt, whether it is because of an emergency, a sudden immediate expense, or simply because of mismanagement and carelessness about finances.
Have you been stuck knee-deep in debt and don&#8217;t know what to do? Have these debts and outstanding dues been severely damaging to your credit [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Avoiding Bank Foreclosure</title>
		<link>http://www.surfrate.com/learn/credit/avoiding-bank-foreclosure.html</link>
		<comments>http://www.surfrate.com/learn/credit/avoiding-bank-foreclosure.html#comments</comments>
		<pubDate>Mon, 14 Jan 2008 18:13:45 +0000</pubDate>
		<dc:creator>SurfRate.com</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[bad credit loan mortgage]]></category>
		<category><![CDATA[mortgage company]]></category>
		<category><![CDATA[refinance home mortgage]]></category>
		<category><![CDATA[stop foreclosure]]></category>

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		<description><![CDATA[Managing your personal finances the smart and right way can be a daunting challenge.
If you have just recently been approved for a home mortgage loan or considering obtaining a home mortgage loan, then you might as well know by now that it is a number one priority to never default or fall behind on your [...]]]></description>
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