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      <description></description>
      <language>en-us</language>
      <pubDate>2025-09-25 19:01:27 UTC</pubDate>
      <lastBuildDate>2025-09-25 19:32:33 UTC</lastBuildDate>
      <webMaster>hello@padlet.com</webMaster>
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      <item>
         <title>Credit History</title>
         <author>vengx326</author>
         <link>https://padlet.com/vengx326/adpv6jx1g9xahl59/wish/3604528570</link>
         <description><![CDATA[<p>In the past, employers were only concerned with a potential employee’s credit history if the employee would be handling money as part of the job.</p>]]></description>
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         <pubDate>2025-09-25 19:14:01 UTC</pubDate>
         <guid>https://padlet.com/vengx326/adpv6jx1g9xahl59/wish/3604528570</guid>
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      <item>
         <title>Credit History</title>
         <author>vengx326</author>
         <link>https://padlet.com/vengx326/adpv6jx1g9xahl59/wish/3604528741</link>
         <description><![CDATA[<p>During harsh economic times, even the most financially responsible individuals may have to file for Chapter 13 bankruptcy</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-09-25 19:14:12 UTC</pubDate>
         <guid>https://padlet.com/vengx326/adpv6jx1g9xahl59/wish/3604528741</guid>
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         <title>smells like teen credit</title>
         <author>vengx326</author>
         <link>https://padlet.com/vengx326/adpv6jx1g9xahl59/wish/3604529007</link>
         <description><![CDATA[<p>Establishing a good credit history starts early</p>]]></description>
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         <pubDate>2025-09-25 19:14:26 UTC</pubDate>
         <guid>https://padlet.com/vengx326/adpv6jx1g9xahl59/wish/3604529007</guid>
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      <item>
         <title>Credit risk and rationing</title>
         <author>vengx326</author>
         <link>https://padlet.com/vengx326/adpv6jx1g9xahl59/wish/3604529909</link>
         <description><![CDATA[<p>If a determined borrower can always obtain funds by agreeing to a sufficiently high rate of interest</p>]]></description>
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         <pubDate>2025-09-25 19:15:24 UTC</pubDate>
         <guid>https://padlet.com/vengx326/adpv6jx1g9xahl59/wish/3604529909</guid>
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      <item>
         <title>Buy now, pay later mentality </title>
         <author>vengx326</author>
         <link>https://padlet.com/vengx326/adpv6jx1g9xahl59/wish/3604530227</link>
         <description><![CDATA[<p>One out of 10 college students is more than $7,800 in the hole to at least one credit card company, and only 19 percent manage to graduate free of credit card debt.</p>]]></description>
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         <pubDate>2025-09-25 19:15:43 UTC</pubDate>
         <guid>https://padlet.com/vengx326/adpv6jx1g9xahl59/wish/3604530227</guid>
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      <item>
         <title>Buy now, pay later mentality</title>
         <author>vengx326</author>
         <link>https://padlet.com/vengx326/adpv6jx1g9xahl59/wish/3604530733</link>
         <description><![CDATA[<p>The modern credit industry sees bankrupt families as lucrative targets for high-yield lending.</p>]]></description>
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         <pubDate>2025-09-25 19:16:16 UTC</pubDate>
         <guid>https://padlet.com/vengx326/adpv6jx1g9xahl59/wish/3604530733</guid>
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      <item>
         <title>Connection</title>
         <author>vengx326</author>
         <link>https://padlet.com/vengx326/adpv6jx1g9xahl59/wish/3604546185</link>
         <description><![CDATA[<p>"smells like teen credit" says that establishing credit history starts early and that in the past employers were only concerned with a potential employees credit history if they we're ti be handling money</p>]]></description>
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         <pubDate>2025-09-25 19:30:55 UTC</pubDate>
         <guid>https://padlet.com/vengx326/adpv6jx1g9xahl59/wish/3604546185</guid>
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      <item>
         <title>Connection</title>
         <author>vengx326</author>
         <link>https://padlet.com/vengx326/adpv6jx1g9xahl59/wish/3604547111</link>
         <description><![CDATA[<p>One out of ten students is more than 7,000 in debt and it could be linked to harsh times where a lot of individuals may have to file for bankruptcy</p>]]></description>
         <enclosure url="" />
         <pubDate>2025-09-25 19:31:48 UTC</pubDate>
         <guid>https://padlet.com/vengx326/adpv6jx1g9xahl59/wish/3604547111</guid>
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      <item>
         <title>Connection</title>
         <author>vengx326</author>
         <link>https://padlet.com/vengx326/adpv6jx1g9xahl59/wish/3604547988</link>
         <description><![CDATA[<p>Banks can lend money with high interest if someone is determined enough to get the funds they need</p>]]></description>
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         <pubDate>2025-09-25 19:32:32 UTC</pubDate>
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