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	<title>Denise A. Manniello - Credit Repair Expert &#187; Credit Repair</title>
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	<link>http://www.denisemanniello.com</link>
	<description>Former Credit Bureau Executive</description>
	<lastBuildDate>Wed, 04 Aug 2010 12:42:35 +0000</lastBuildDate>
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		<title>Credit Tips for College Students</title>
		<link>http://www.denisemanniello.com/81/credit-tips-for-college-students/</link>
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		<pubDate>Wed, 14 Apr 2010 14:02:06 +0000</pubDate>
		<dc:creator>Denise A. Manniello</dc:creator>
				<category><![CDATA[Credit Repair]]></category>
		<category><![CDATA[Money Management]]></category>

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		<description><![CDATA[Should you send your child to college with their own credit card? Are they responsible enough, and would they would only use it in an emergency? Read ahead for Denise's great tips on how you should handle the college student credit card dilemma, and what you can do to get your student on the road to good financial habits.]]></description>
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		<title>Credit and the Divorced Woman</title>
		<link>http://www.denisemanniello.com/79/credit-and-the-divorced-woman/</link>
		<comments>http://www.denisemanniello.com/79/credit-and-the-divorced-woman/#comments</comments>
		<pubDate>Sat, 10 Apr 2010 20:20:26 +0000</pubDate>
		<dc:creator>Denise A. Manniello</dc:creator>
				<category><![CDATA[Credit Repair]]></category>
		<category><![CDATA[Ezine]]></category>
		<category><![CDATA[Credit Education]]></category>
		<category><![CDATA[Money Management]]></category>

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		<description><![CDATA[Are you recently divorced or divorced for a while? Rebuilding or continuing your credit after divorce may not seem like a priority right now, especially if you’re still healing from your marriage ending. If you eventually want to obtain credit cards in your name, finance a vehicle or home, and even begin a new job, you need to make sure that you have a good CREDIT SCORE.]]></description>
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		<slash:comments>2</slash:comments>
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		<title>Laws to Protect You From Bad Credit Classification</title>
		<link>http://www.denisemanniello.com/89/laws-to-protect-you-from-bad-credit-classification/</link>
		<comments>http://www.denisemanniello.com/89/laws-to-protect-you-from-bad-credit-classification/#comments</comments>
		<pubDate>Sun, 04 Apr 2010 17:02:01 +0000</pubDate>
		<dc:creator>Denise A. Manniello</dc:creator>
				<category><![CDATA[Credit Repair]]></category>
		<category><![CDATA[Credit Education]]></category>

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		<description><![CDATA[Laws have been established to protect consumers like you and me from being unfairly categorized as having bad credit. Read further to learn what you, the consumer, can do to protect yourself.]]></description>
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		<title>How To Dispute An Item And Add Some More Great Credit To Your Credit File</title>
		<link>http://www.denisemanniello.com/94/how-to-dispute-an-item-and-add-some-more-great-credit-to-your-credit-file/</link>
		<comments>http://www.denisemanniello.com/94/how-to-dispute-an-item-and-add-some-more-great-credit-to-your-credit-file/#comments</comments>
		<pubDate>Wed, 04 Nov 2009 17:11:32 +0000</pubDate>
		<dc:creator>Denise A. Manniello</dc:creator>
				<category><![CDATA[Credit Repair]]></category>
		<category><![CDATA[Credit Education]]></category>
		<category><![CDATA[Credit Repair Service]]></category>
		<category><![CDATA[Money Management]]></category>

		<guid isPermaLink="false">http://www.denisemanniello.com/?p=94</guid>
		<description><![CDATA[Gather 3 items you want to dispute. Typically no more than 5 items at a time. 3 was the magic number when I worked at the major credit bureau. State the 3 items you want removed and the reasons why. (You have every right to dispute and request removal of accurate and in- accurate, negative [...]]]></description>
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		<title>Raise Your Credit Score FAST Tip</title>
		<link>http://www.denisemanniello.com/60/raise-your-credit-score-fast-tip/</link>
		<comments>http://www.denisemanniello.com/60/raise-your-credit-score-fast-tip/#comments</comments>
		<pubDate>Sun, 11 Oct 2009 16:07:23 +0000</pubDate>
		<dc:creator>Denise A. Manniello</dc:creator>
				<category><![CDATA[Credit Repair]]></category>
		<category><![CDATA[Credit Education]]></category>
		<category><![CDATA[Credit Repair Service]]></category>

		<guid isPermaLink="false">http://www.denisemanniello.com/?p=60</guid>
		<description><![CDATA[Found something on Your credit reports that's not yours? Read our article on the right way to dispute false credit card items and the steps that you need to take to remove those false transactions that can lower your credit score.]]></description>
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		<title>Learn What Your Credit Score is and What it Means to YOU!</title>
		<link>http://www.denisemanniello.com/63/learn-what-your-credit-score-is-and-what-it-means-to-you/</link>
		<comments>http://www.denisemanniello.com/63/learn-what-your-credit-score-is-and-what-it-means-to-you/#comments</comments>
		<pubDate>Wed, 30 Sep 2009 16:35:18 +0000</pubDate>
		<dc:creator>Denise A. Manniello</dc:creator>
				<category><![CDATA[Credit Repair]]></category>
		<category><![CDATA[Credit Education]]></category>

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		<description><![CDATA[What's Your Credit Score?  What? You don't Know? Or it's a solid 650. Is that a combined score, and individual score or a score directly from FICO? What difference does it make anyway! It actually makes a big difference, especially when YOU are trying to Live Your Best Life NOW!]]></description>
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		<title>Can Your FICO Score Really Affect The Car You Buy? Heck Yes!</title>
		<link>http://www.denisemanniello.com/99/can-your-fico-score-really-affect-the-car-you-buy-heck-yes/</link>
		<comments>http://www.denisemanniello.com/99/can-your-fico-score-really-affect-the-car-you-buy-heck-yes/#comments</comments>
		<pubDate>Wed, 19 Aug 2009 23:55:26 +0000</pubDate>
		<dc:creator>Denise A. Manniello</dc:creator>
				<category><![CDATA[Credit Repair]]></category>
		<category><![CDATA[Credit Repair Service]]></category>
		<category><![CDATA[Denise Manniello]]></category>
		<category><![CDATA[FICO]]></category>

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		<description><![CDATA[There are three data sets that determine your monthly auto payments; how much you can borrow, the term of your loan, and the interest rate you are granted. Terms of auto loans are usually between 36 and 60 months. It can be stretch out however to lower the monthly payment. ( by doing this you are increasing the amount you will pay over the entire term of the loan)]]></description>
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		<title>Geezo</title>
		<link>http://www.denisemanniello.com/96/geezo/</link>
		<comments>http://www.denisemanniello.com/96/geezo/#comments</comments>
		<pubDate>Wed, 19 Aug 2009 23:18:40 +0000</pubDate>
		<dc:creator>Denise A. Manniello</dc:creator>
				<category><![CDATA[Credit Repair]]></category>
		<category><![CDATA[Credit Repair Service]]></category>
		<category><![CDATA[Denise Manniello]]></category>
		<category><![CDATA[geezo]]></category>

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		<description><![CDATA[Credit restoration is typically marketed to affluent clients, households with $200,000 or more in yearly income.  While credit repair is marketed to those earning less.  Other than semantics, there is no real difference between credit restoration and credit repair services.   ]]></description>
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		<title>Why is your Credit Score so Important?</title>
		<link>http://www.denisemanniello.com/85/why-is-your-credit-score-so-important/</link>
		<comments>http://www.denisemanniello.com/85/why-is-your-credit-score-so-important/#comments</comments>
		<pubDate>Mon, 20 Jul 2009 20:19:20 +0000</pubDate>
		<dc:creator>Denise A. Manniello</dc:creator>
				<category><![CDATA[Credit Repair]]></category>
		<category><![CDATA[Credit Education]]></category>

		<guid isPermaLink="false">http://www.denisemanniello.com/?p=85</guid>
		<description><![CDATA[What’s the Big Deal? Why do your Credit Scores mean so much? And why are your Credit Scores so important to you and anyone else? Because your Credit Scores are directly correlated to the rates financial institutions are willing to give you. Read on for further information.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Does This Tick You Off Too?</title>
		<link>http://www.denisemanniello.com/66/does-this-tick-you-off-too/</link>
		<comments>http://www.denisemanniello.com/66/does-this-tick-you-off-too/#comments</comments>
		<pubDate>Tue, 30 Jun 2009 17:29:22 +0000</pubDate>
		<dc:creator>Denise A. Manniello</dc:creator>
				<category><![CDATA[Credit Repair]]></category>
		<category><![CDATA[Credit Education]]></category>
		<category><![CDATA[Credit Repair Service]]></category>

		<guid isPermaLink="false">http://www.denisemanniello.com/?p=66</guid>
		<description><![CDATA[Vantage Score is a scoring methodology that includes all three credit reporting companies and is supposed to deliver a predictive and easy way to understand our credit risk to those making decisions based on our credit scores. This can be used by: lenders, Insurance Companies, Employers, Wedding Planners, Mortgage Companies etc. It is a credit scoring model developed jointly by the national credit reporting companies. Read on to learn how this affects your credit score.]]></description>
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