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	<title>Leave Debt Behind&#187; Your Credit</title>
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	<link>http://www.leavedebtbehind.com</link>
	<description>Escape Your Debt. Build Your Future.</description>
	<lastBuildDate>Sat, 04 Feb 2012 14:31:35 +0000</lastBuildDate>
	<language>en</language>
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		<title>How to Prepare for January&#8217;s Credit Card Bill</title>
		<link>http://www.leavedebtbehind.com/debt-help/how-to-prepare-for-januarys-credit-card-bill/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=how-to-prepare-for-januarys-credit-card-bill</link>
		<comments>http://www.leavedebtbehind.com/debt-help/how-to-prepare-for-januarys-credit-card-bill/#comments</comments>
		<pubDate>Tue, 03 Jan 2012 18:33:30 +0000</pubDate>
		<dc:creator>Brad</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Get Out Of Debt]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[overspending]]></category>
		<category><![CDATA[spending habits]]></category>

		<guid isPermaLink="false">http://www.leavedebtbehind.com/?p=5437</guid>
		<description><![CDATA[As is often the case after the holidays, credit card holders are little prepared to deal with the credit card bills they get in the mail come January. While it is better to prepare well ahead of time for holiday spending, there are some tips to help you survive your credit card bills during the [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Who Can Pull Your Credit Report And Who Can’t?</title>
		<link>http://www.leavedebtbehind.com/credit/credit-reports-and-scores/who-can-pull-your-credit-report-and-who-can%e2%80%99t/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=who-can-pull-your-credit-report-and-who-can%25e2%2580%2599t</link>
		<comments>http://www.leavedebtbehind.com/credit/credit-reports-and-scores/who-can-pull-your-credit-report-and-who-can%e2%80%99t/#comments</comments>
		<pubDate>Sat, 05 Nov 2011 14:24:20 +0000</pubDate>
		<dc:creator>Tisha Tolar</dc:creator>
				<category><![CDATA[Credit Reports and Scores]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[credtit score]]></category>
		<category><![CDATA[who can see my credit report]]></category>

		<guid isPermaLink="false">http://www.leavedebtbehind.com/?p=5288</guid>
		<description><![CDATA[Are you aware of everyone who can pull your credit report? Many people do not realize that their credit score factors into more than just getting a credit card or a home loan. Any time you apply for credit, the potential lender can get your credit report to determine how risky it is to lend [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>How to Get Your Annual Fee Waived on Your Credit Card</title>
		<link>http://www.leavedebtbehind.com/credit/credit-cards/how-to-get-your-annual-fee-waived-on-your-credit-card/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=how-to-get-your-annual-fee-waived-on-your-credit-card</link>
		<comments>http://www.leavedebtbehind.com/credit/credit-cards/how-to-get-your-annual-fee-waived-on-your-credit-card/#comments</comments>
		<pubDate>Thu, 03 Nov 2011 16:36:53 +0000</pubDate>
		<dc:creator>Tisha Tolar</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[credit card annual fee]]></category>
		<category><![CDATA[remove annual fee]]></category>
		<category><![CDATA[waive credit card annual fee]]></category>

		<guid isPermaLink="false">http://www.leavedebtbehind.com/?p=5275</guid>
		<description><![CDATA[If you have a credit card with a high annual fee, you may be trying to decide whether or not you should cancel the card. Instead of canceling the card entirely, maybe you should try to get the annual fee waived on your credit card. If you really want to keep your card but don’t [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>How to Improve Your Credit During the Holidays</title>
		<link>http://www.leavedebtbehind.com/credit/credit-rebuilding-repair/how-to-improve-your-credit-during-the-holidays/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=how-to-improve-your-credit-during-the-holidays</link>
		<comments>http://www.leavedebtbehind.com/credit/credit-rebuilding-repair/how-to-improve-your-credit-during-the-holidays/#comments</comments>
		<pubDate>Wed, 02 Nov 2011 14:55:06 +0000</pubDate>
		<dc:creator>Tisha Tolar</dc:creator>
				<category><![CDATA[Rebuilding Credit]]></category>
		<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[credit score tips]]></category>
		<category><![CDATA[gift giving ideas]]></category>
		<category><![CDATA[holiday spending]]></category>
		<category><![CDATA[improving credit scores]]></category>
		<category><![CDATA[managing money]]></category>

		<guid isPermaLink="false">http://www.leavedebtbehind.com/?p=5238</guid>
		<description><![CDATA[The holidays often involve a lot of chaos, stress, and absent-mindedness. They also involve a lot more spending than you or your budget is used to in a year. As many consumers are still apt to wait until the last minute, financial decisions during this time are not always contemplated as carefully as they should [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Credit Utilization Ratio and How it Affects Your Credit Score</title>
		<link>http://www.leavedebtbehind.com/credit/credit-reports-and-scores/credit-utilization-ratio-and-how-it-affects-your-credit-score/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=credit-utilization-ratio-and-how-it-affects-your-credit-score</link>
		<comments>http://www.leavedebtbehind.com/credit/credit-reports-and-scores/credit-utilization-ratio-and-how-it-affects-your-credit-score/#comments</comments>
		<pubDate>Sat, 15 Oct 2011 12:20:34 +0000</pubDate>
		<dc:creator>Tisha Tolar</dc:creator>
				<category><![CDATA[Credit Reports and Scores]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[credit utilization]]></category>
		<category><![CDATA[credit utilization ratio]]></category>

		<guid isPermaLink="false">http://www.leavedebtbehind.com/?p=4799</guid>
		<description><![CDATA[Your credit utilization ratio is the total of your credit balances divided by the total of your credit limit. If you have credit cards and a revolving loan that make it possible for you to charge $10,000 worth of purchases and you have spent $5,000 – you have a 50% credit utilization ratio. Your credit [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>What is Debt to Credit Ratio and How Does it Affect My Credit Score</title>
		<link>http://www.leavedebtbehind.com/credit/credit-reports-and-scores/what-is-debt-to-credit-ratio-and-how-does-it-affect-my-credit-score/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=what-is-debt-to-credit-ratio-and-how-does-it-affect-my-credit-score</link>
		<comments>http://www.leavedebtbehind.com/credit/credit-reports-and-scores/what-is-debt-to-credit-ratio-and-how-does-it-affect-my-credit-score/#comments</comments>
		<pubDate>Fri, 14 Oct 2011 02:10:26 +0000</pubDate>
		<dc:creator>Brad</dc:creator>
				<category><![CDATA[Credit Reports and Scores]]></category>
		<category><![CDATA[credit reports]]></category>
		<category><![CDATA[credit score]]></category>

		<guid isPermaLink="false">http://www.leavedebtbehind.com/?p=4780</guid>
		<description><![CDATA[What is Debt to Credit Ratio? In simple terms, debt to credit ratio is the amount you owe on a card to the credit limit on that card. For example, if you have a credit card with a $10,000 dollar limit and what you owe on that card is $5,000, you have a debt ratio [...]]]></description>
		<wfw:commentRss>http://www.leavedebtbehind.com/credit/credit-reports-and-scores/what-is-debt-to-credit-ratio-and-how-does-it-affect-my-credit-score/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Will Credit Counseling Hurt My Credit Score?</title>
		<link>http://www.leavedebtbehind.com/debt-help/credit-counseling/will-credit-counseling-hurt-my-credit-score/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=will-credit-counseling-hurt-my-credit-score</link>
		<comments>http://www.leavedebtbehind.com/debt-help/credit-counseling/will-credit-counseling-hurt-my-credit-score/#comments</comments>
		<pubDate>Thu, 06 Oct 2011 21:00:19 +0000</pubDate>
		<dc:creator>Tisha Tolar</dc:creator>
				<category><![CDATA[Credit Counseling]]></category>
		<category><![CDATA[Credit Reports and Scores]]></category>
		<category><![CDATA[credit counseling]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[creditors]]></category>
		<category><![CDATA[get out of debt]]></category>
		<category><![CDATA[paying off debts]]></category>

		<guid isPermaLink="false">http://www.leavedebtbehind.com/?p=4587</guid>
		<description><![CDATA[Credit counseling is just one option for those who are struggling with debt problems and credit issues to find relief and a light at the end of the financial tunnel. However, many consumers will shy away from getting the help credit counseling offers because they fear the process will ruin their credit score. This is [...]]]></description>
		<wfw:commentRss>http://www.leavedebtbehind.com/debt-help/credit-counseling/will-credit-counseling-hurt-my-credit-score/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Using Balance Transfer Credit Cards Correctly</title>
		<link>http://www.leavedebtbehind.com/credit/credit-cards/using-balance-transfer-credit-cards-correctly/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=using-balance-transfer-credit-cards-correctly</link>
		<comments>http://www.leavedebtbehind.com/credit/credit-cards/using-balance-transfer-credit-cards-correctly/#comments</comments>
		<pubDate>Tue, 04 Oct 2011 02:45:37 +0000</pubDate>
		<dc:creator>Guest Contributor</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[0%]]></category>
		<category><![CDATA[balance transfer]]></category>
		<category><![CDATA[credit cards]]></category>

		<guid isPermaLink="false">http://www.leavedebtbehind.com/?p=4759</guid>
		<description><![CDATA[If you are in the market to save some money then a balance transfer deal is something that you might like to consider. Balance transfer credit cards are designed to give you some relief from other high interest credit cards. They give you a chance to pay down your balance and give you the breathing [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Is A Spouse Responsible For The Credit Card Debt Of The Other Spouse?</title>
		<link>http://www.leavedebtbehind.com/credit/is-a-spouse-responsible-for-the-credit-card-debt-of-the-other-spouse/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=is-a-spouse-responsible-for-the-credit-card-debt-of-the-other-spouse</link>
		<comments>http://www.leavedebtbehind.com/credit/is-a-spouse-responsible-for-the-credit-card-debt-of-the-other-spouse/#comments</comments>
		<pubDate>Wed, 10 Aug 2011 12:54:58 +0000</pubDate>
		<dc:creator>Tisha Tolar</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Your Credit]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[bankruptcy law]]></category>
		<category><![CDATA[credit card agreements]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[divorce]]></category>
		<category><![CDATA[legal obligations]]></category>
		<category><![CDATA[marriage]]></category>

		<guid isPermaLink="false">http://www.leavedebtbehind.com/?p=4309</guid>
		<description><![CDATA[When one spouse holds an individual credit card account and runs up significant credit card debt, they may wonder how this will affect their spouse. In some cases, a husband or a wife will maintain a credit account on their own to keep a private account or to hide excess spending. Whatever the reason for [...]]]></description>
		<wfw:commentRss>http://www.leavedebtbehind.com/credit/is-a-spouse-responsible-for-the-credit-card-debt-of-the-other-spouse/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>0% Balance Transfers &#8211; Are They Worth It?</title>
		<link>http://www.leavedebtbehind.com/credit/0-balance-transfers-are-they-worth-it/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=0-balance-transfers-are-they-worth-it</link>
		<comments>http://www.leavedebtbehind.com/credit/0-balance-transfers-are-they-worth-it/#comments</comments>
		<pubDate>Thu, 04 Aug 2011 12:50:19 +0000</pubDate>
		<dc:creator>Tisha Tolar</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Your Credit]]></category>
		<category><![CDATA[balance transfer credit cards]]></category>
		<category><![CDATA[credit card payments]]></category>
		<category><![CDATA[credit history]]></category>
		<category><![CDATA[credit lmiits]]></category>
		<category><![CDATA[eliminating debts]]></category>

		<guid isPermaLink="false">http://www.leavedebtbehind.com/?p=4283</guid>
		<description><![CDATA[One way consumers choose to eliminate debt is to evaluate their options using credit cards. A popular choice for this purpose is often balance transfer cards that offer 0% interest for a period of time that allows you to consolidate your existing credit card debt onto the new card. With zero interest, consumers have a [...]]]></description>
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		<slash:comments>0</slash:comments>
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