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    <lastBuildDate>Sat, 11 Nov 2006 18:58:34 GMT</lastBuildDate>
    <pubDate>Sun, 18 May 2008 21:54:30 GMT</pubDate>
    <title>Buying Your First Home or Upgrading to a Better One</title>
    <description><![CDATA[Before you go for your mortgage and to avoid any embarrassment, it is important to find out your credit score and to correct any errors that may appear, so that you can get the lowest possible interest rate on your loan. This is likely the largest single purchase you will make in your life, So be smart. Find out your credit score today in minutes, and save money now!]]></description>
    <link>http://www.legalhelpmate.com</link>
    <copyright>©2004-2005 Legal Helpmate Corp. - Legal Document Service.</copyright>
    <language>en-us</language>
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      <title>Legal Forms. Legal Helpmate's provids an easy-to-use online legal document preparation service</title>
      <link>http://www.legalhelpmate.com</link>
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    <item>
      <title>Your Personal Credit Report - How it works and how to make it work for you</title>
      <link>http://www.legalhelpmate.com/news/free-credit-report-news-39.aspx</link>
      <description><![CDATA[The three major credit bureaus in the United States: Experian, TransUnion, and Equifax, are in the business of exchanging information. When you apply for a loan of any kind, the creditor requests your credit report from at least one of these bureaus. There are many other credit bureaus throughout the United States, but they are mainly affiliated with one of the major three.]]></description>
      <pubDate>Sat, 11 Nov 2006 00:00:00 GMT</pubDate>
      <author>Legal Helpmate</author>
      <guid isPermaLink="true">http://www.legalhelpmate.com/news/free-credit-report-news-39.aspx</guid>
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      <title>Mortgage and Refinancing Preparation Made Simple</title>
      <link>http://www.legalhelpmate.com/news/free-credit-report-news-26.aspx</link>
      <description><![CDATA[Buying a home is probably the single largest investment most people make in a lifetime. By preparing yourself and your credit before a home purchase or refinance, you can ensure a smooth finance process and can potentially save thousands on your loan. Improve your financial profile now so you can take advantage of the low interest rates before they disappear.]]></description>
      <pubDate>Wed, 20 Sep 2006 00:00:00 GMT</pubDate>
      <author>Legal Helpmate</author>
      <guid isPermaLink="true">http://www.legalhelpmate.com/news/free-credit-report-news-26.aspx</guid>
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    <item>
      <title>Dealing with Creditors</title>
      <link>http://www.legalhelpmate.com/news/free-credit-report-news-24.aspx</link>
      <description><![CDATA[A sudden illness or the loss of your job may make it impossible for you to pay your bills on time. Whatever your situation, if you find that you cannot make your payments, contact your creditors at once. Try to work out a modified payment plan with your creditors that reduce your payments to a more manageable level]]></description>
      <pubDate>Wed, 06 Sep 2006 00:00:00 GMT</pubDate>
      <author>Legal Helpmate</author>
      <guid isPermaLink="true">http://www.legalhelpmate.com/news/free-credit-report-news-24.aspx</guid>
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      <title>Information That is Included in my Credit Report</title>
      <link>http://www.legalhelpmate.com/news/free-credit-report-news-14.aspx</link>
      <description><![CDATA[Your personal credit report contains such information as your name, current and previous addresses, phone number, Social Security number, date of birth, and current and previous employers. Your spouse's name may appear on your version of the credit report, but it will not appear on the version that is provided to others. This information comes from your credit applications, so its accuracy depends on your filling out the forms clearly, completely and consistently each time you apply for credit.]]></description>
      <pubDate>Tue, 22 Aug 2006 00:00:00 GMT</pubDate>
      <author>Legal Helpmate</author>
      <guid isPermaLink="true">http://www.legalhelpmate.com/news/free-credit-report-news-14.aspx</guid>
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      <title>The Credit Bureau – Friend or Foe</title>
      <link>http://www.legalhelpmate.com/news/free-credit-report-news-34.aspx</link>
      <description><![CDATA[The three major credit bureaus in the United States: Experian, TransUnion, and Equifax, are in the business of exchanging information. When you apply for a loan of any kind, the creditor requests your credit report from at least one of these bureaus. There are many other credit bureaus throughout the United States, but they are mainly affiliated with one of the major three.]]></description>
      <pubDate>Tue, 08 Aug 2006 00:00:00 GMT</pubDate>
      <author>Legal Helpmate</author>
      <guid isPermaLink="true">http://www.legalhelpmate.com/news/free-credit-report-news-34.aspx</guid>
    </item>
    <item>
      <title>Understanding Credit Fraud</title>
      <link>http://www.legalhelpmate.com/news/free-credit-report-news-7.aspx</link>
      <description><![CDATA[In its simplest form, credit fraud involves someone else's use of your credit to make purchases or cash advances. Though often damaging, such cases are normally stopped when you report your card as missing.]]></description>
      <pubDate>Tue, 25 Jul 2006 00:00:00 GMT</pubDate>
      <author>Legal Helpmate</author>
      <guid isPermaLink="true">http://www.legalhelpmate.com/news/free-credit-report-news-7.aspx</guid>
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    <item>
      <title>Removing A Negative Credit Record</title>
      <link>http://www.legalhelpmate.com/news/free-credit-report-news-4.aspx</link>
      <description><![CDATA[Consumers working on their credit reports say many times their letters are ignored by the credit bureaus. Consumer’s say even with proof a credit record is not theirs, its removal from their credit report can take three or four challenge letters, because the credit bureaus may have only verified it in their computers and not on the credit report.]]></description>
      <pubDate>Mon, 10 Jul 2006 00:00:00 GMT</pubDate>
      <author>Legal Helpmate</author>
      <guid isPermaLink="true">http://www.legalhelpmate.com/news/free-credit-report-news-4.aspx</guid>
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    <item>
      <title>Automatic Debit Scams</title>
      <link>http://www.legalhelpmate.com/news/free-credit-report-news-18.aspx</link>
      <description><![CDATA[Consumers across the country are complaining about unauthorized debits (withdrawals) from their checking accounts. Because fraudulent telemarketers have found yet another way to steal your money, this time from your checking account.]]></description>
      <pubDate>Sun, 18 Jun 2006 00:00:00 GMT</pubDate>
      <author>Legal Helpmate</author>
      <guid isPermaLink="true">http://www.legalhelpmate.com/news/free-credit-report-news-18.aspx</guid>
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    <item>
      <title>About Credit Scoring</title>
      <link>http://www.legalhelpmate.com/news/free-credit-report-news-1.aspx</link>
      <description><![CDATA[You have probably heard about credit scoring if you have tried to get a loan recently. Credit scoring models have been used in the mortgage industry since 1994, when Fannnie Mae and Freebie Mac started using them for ease in gauging your ability to repay loans. They had been in use for a long time for auto lenders and credit card issuers.]]></description>
      <pubDate>Fri, 02 Jun 2006 00:00:00 GMT</pubDate>
      <author>Legal Helpmate</author>
      <guid isPermaLink="true">http://www.legalhelpmate.com/news/free-credit-report-news-1.aspx</guid>
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    <item>
      <title>Credit Report Correction Techniques</title>
      <link>http://www.legalhelpmate.com/news/free-credit-report-news-2.aspx</link>
      <description><![CDATA[Credit score repair involves techniques for removing negative credit records from your credit report. These are the exact same methods credit score repair clinics and attorneys may charge up to $3,500 to perform. It is also possible to outsmart creditors who are damaging your credit score.]]></description>
      <pubDate>Wed, 17 May 2006 00:00:00 GMT</pubDate>
      <author>Legal Helpmate</author>
      <guid isPermaLink="true">http://www.legalhelpmate.com/news/free-credit-report-news-2.aspx</guid>
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    <item>
      <title>Eligibility For A Free Credit Report</title>
      <link>http://www.legalhelpmate.com/news/free-credit-report-news-13.aspx</link>
      <description><![CDATA[By Federal law, you are entitled to one free credit report per year directly from a credit reporting agency.]]></description>
      <pubDate>Mon, 01 May 2006 00:00:00 GMT</pubDate>
      <author>Legal Helpmate</author>
      <guid isPermaLink="true">http://www.legalhelpmate.com/news/free-credit-report-news-13.aspx</guid>
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    <item>
      <title>A Credit Thesaurus - Part II</title>
      <link>http://www.legalhelpmate.com/news/free-credit-report-news-17.aspx</link>
      <description><![CDATA[Consumer Credit Counseling Service (CCCS

CCCS is a service that offers counseling about how to work out a realistic budget and debt repayment plan and work with creditors. The goal is to ensure that debts are paid back over time.]]></description>
      <pubDate>Mon, 17 Apr 2006 00:00:00 GMT</pubDate>
      <author>Legal Helpmate</author>
      <guid isPermaLink="true">http://www.legalhelpmate.com/news/free-credit-report-news-17.aspx</guid>
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      <title>A Credit Thesaurus - Part I</title>
      <link>http://www.legalhelpmate.com/news/free-credit-report-news-16.aspx</link>
      <description><![CDATA[A Breakdown of Terms You Need To Know as a Borrower]]></description>
      <pubDate>Tue, 04 Apr 2006 00:00:00 GMT</pubDate>
      <author>Legal Helpmate</author>
      <guid isPermaLink="true">http://www.legalhelpmate.com/news/free-credit-report-news-16.aspx</guid>
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    <item>
      <title>They Have To Know</title>
      <link>http://www.legalhelpmate.com/news/free-credit-report-news-3.aspx</link>
      <description><![CDATA[If you try to get a copy of your credit report, the credit bureaus have a right to request a copy of your social security card, but only give a copy of your credit report the front. They also may request a copy of something showing your address if it is different than what is showing on the credit report. Send them a billing statement that has your address. Do not send them a copy of your driver’s license as they request. Remember these credit bureaus sell your information, not only for credit, but also for promotional reasons.]]></description>
      <pubDate>Sun, 19 Mar 2006 00:00:00 GMT</pubDate>
      <author>Legal Helpmate</author>
      <guid isPermaLink="true">http://www.legalhelpmate.com/news/free-credit-report-news-3.aspx</guid>
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