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	<title>pcbs.org</title>
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		<title>Credit Or Debit: The Differences</title>
		<description><![CDATA[In the past when you wanted to make a purchase, all you had to do was write a check or perhaps use a credit card that was backed by a bank or some other lending institution.  Using credit cards to make regular purchases can result in a lot of overspending and then you will [...]]]></description>
		<link>http://www.pcbs.org/credit-or-debit-the-differences/</link>
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		<title>Some Consequences Of Poor Credit Card Use</title>
		<description><![CDATA[More people than ever before are regularly using credit cards.  Most actually have more than one card that they use to make daily purchases.  Society is overwhelmingly consumer-driven.  This has necessitated at least some type of credit card use to make certain purchases or to buy from online outlets.  What makes [...]]]></description>
		<link>http://www.pcbs.org/some-consequences-of-poor-credit-card-use/</link>
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		<title>Getting a Free Credit Report</title>
		<description><![CDATA[There are some pretty funny commercials on television for free credit reports. You&#8217;ll also run across offers for free credit reports in newspapers and magazines as well as online. People will see these and think they sound pretty good, and decide to go for their free credit report from one of these places. They don’t [...]]]></description>
		<link>http://www.pcbs.org/getting-a-free-credit-report/</link>
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		<title>Credit Score Ratings</title>
		<description><![CDATA[People are more familiar with the term “credit score ratings” than they once were because of the various commercials that mention it, but they are not really secure in the knowledge of exactly what these credit score ratings are, or just how having a high or a low rating can affect them.
Credit score ratings come [...]]]></description>
		<link>http://www.pcbs.org/credit-score-ratings/</link>
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		<title>FICO 08</title>
		<description><![CDATA[With the changes in the market place and the shifting attitude of consumers towards plastic over cash, Fair Isaac has deemed it necessary to make a few changes. Fair Isaac or FICO is responsible for doling out consumer credit scores when can pretty much make or break a consumer searching for a mortgage, a loan, [...]]]></description>
		<link>http://www.pcbs.org/fico-08/</link>
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		<title>Is It Time For Credit Counseling?</title>
		<description><![CDATA[There comes a time when we all need to swallow our pride and seek help. While such an action might not be that big of deal, say you need help moving a large couch; others are a little more serious. Credit problems are one of those issues that require help which can be of great [...]]]></description>
		<link>http://www.pcbs.org/is-it-time-for-credit-counseling/</link>
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		<title>Federal Credit Bureau?</title>
		<description><![CDATA[So many people have the mistaken idea that the major credit bureaus in the United States are under the total control of the Federal government. This belief is so widespread that many people think that there is a Federal credit bureau! The companies that send Americans a free credit report once a year are not [...]]]></description>
		<link>http://www.pcbs.org/federal-credit-bureau/</link>
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		<title>Credit Reporting Agencies – The Basics</title>
		<description><![CDATA[There are three credit reporting agencies that have the authority to gather information about your credit history, and to share this information with other businesses that have a legitimate reason for wanting to see it.
These three agencies are –

Equifax
Experian
Trans Union

You may not like the idea of these agencies having such personal information about you and [...]]]></description>
		<link>http://www.pcbs.org/credit-reporting-agencies-%e2%80%93-the-basics/</link>
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		<title>Credit Repair Basics - Some Useful Tips</title>
		<description><![CDATA[Everyone knows that you need a good credit score if they want to get ahead in life now days. It hasn&#8217;t always been this way. At one time, the only places that were really interested in your credit score were the credit card companies, banks, and loan companies. Now, utility companies, employers and landlords want [...]]]></description>
		<link>http://www.pcbs.org/credit-repair-basics-some-useful-tips/</link>
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		<title>Divorce And Credit</title>
		<description><![CDATA[A divorce is an ugly thing to go through and causes severe emotional distress. Along with the emotional impact caused by the dissolution of marriage comes a significant financial burden placed on both spouses. Now is the time to think about your finances even if you heart might be saying something different. You need to [...]]]></description>
		<link>http://www.pcbs.org/divorce-and-credit/</link>
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