<?xml version="1.0"?>
<rss version="2.0">
   <channel>
      <title>CREDIT REPORT 101 by Emma Haugen</title>
      <link>https://padlet.com/haugee0324/it3cmvjh07p4</link>
      <description></description>
      <language>en-us</language>
      <pubDate>2017-12-06 18:27:12 UTC</pubDate>
      <lastBuildDate>2017-12-07 18:05:04 UTC</lastBuildDate>
      <webMaster>hello@padlet.com</webMaster>
      <image>
         <url></url>
      </image>
      <item>
         <title>Step 1</title>
         <author>haugee0324</author>
         <link>https://padlet.com/haugee0324/it3cmvjh07p4/wish/213847578</link>
         <description><![CDATA[<div> Check your credit report </div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-06 18:27:33 UTC</pubDate>
         <guid>https://padlet.com/haugee0324/it3cmvjh07p4/wish/213847578</guid>
      </item>
      <item>
         <title>1 A</title>
         <author>pongra0043</author>
         <link>https://padlet.com/haugee0324/it3cmvjh07p4/wish/214237055</link>
         <description><![CDATA[<div>Credit reports are used to create your credit score, by being given a 3 digit number used to represent your credit score.</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-07 17:38:46 UTC</pubDate>
         <guid>https://padlet.com/haugee0324/it3cmvjh07p4/wish/214237055</guid>
      </item>
      <item>
         <title>1 B</title>
         <author>haugee0324</author>
         <link>https://padlet.com/haugee0324/it3cmvjh07p4/wish/214238128</link>
         <description><![CDATA[<div>You are able to look at your credit report for free on AnnualCreditReport.com </div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-07 17:40:56 UTC</pubDate>
         <guid>https://padlet.com/haugee0324/it3cmvjh07p4/wish/214238128</guid>
      </item>
      <item>
         <title>Step 2</title>
         <author>pongra0043</author>
         <link>https://padlet.com/haugee0324/it3cmvjh07p4/wish/214238489</link>
         <description><![CDATA[<div>Establish your checking and savings account</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-07 17:41:38 UTC</pubDate>
         <guid>https://padlet.com/haugee0324/it3cmvjh07p4/wish/214238489</guid>
      </item>
      <item>
         <title>2 A</title>
         <author>pongra0043</author>
         <link>https://padlet.com/haugee0324/it3cmvjh07p4/wish/214239562</link>
         <description><![CDATA[<div>You can establish a savings account, for example by putting a sum of money from each paycheck into your savings.</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-07 17:43:43 UTC</pubDate>
         <guid>https://padlet.com/haugee0324/it3cmvjh07p4/wish/214239562</guid>
      </item>
      <item>
         <title>1 C</title>
         <author>haugee0324</author>
         <link>https://padlet.com/haugee0324/it3cmvjh07p4/wish/214241238</link>
         <description><![CDATA[<div>There may be a mistake in your report due to identity theft. If you believe that is the reason, report it to IdentityTheft.gov </div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-07 17:46:49 UTC</pubDate>
         <guid>https://padlet.com/haugee0324/it3cmvjh07p4/wish/214241238</guid>
      </item>
      <item>
         <title>Step 3</title>
         <author>pongra0043</author>
         <link>https://padlet.com/haugee0324/it3cmvjh07p4/wish/214241851</link>
         <description><![CDATA[<div>Understanding Credit Scoring</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-07 17:47:53 UTC</pubDate>
         <guid>https://padlet.com/haugee0324/it3cmvjh07p4/wish/214241851</guid>
      </item>
      <item>
         <title>3 A</title>
         <author>pongra0043</author>
         <link>https://padlet.com/haugee0324/it3cmvjh07p4/wish/214245333</link>
         <description><![CDATA[<div>Paying your bills on time every month will increases your score.</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-07 17:53:52 UTC</pubDate>
         <guid>https://padlet.com/haugee0324/it3cmvjh07p4/wish/214245333</guid>
      </item>
      <item>
         <title>2 B</title>
         <author>haugee0324</author>
         <link>https://padlet.com/haugee0324/it3cmvjh07p4/wish/214245711</link>
         <description><![CDATA[<div>Be aware that opening a checking account can hurt your credit score. </div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-07 17:54:30 UTC</pubDate>
         <guid>https://padlet.com/haugee0324/it3cmvjh07p4/wish/214245711</guid>
      </item>
      <item>
         <title>3 B</title>
         <author>pongra0043</author>
         <link>https://padlet.com/haugee0324/it3cmvjh07p4/wish/214246030</link>
         <description><![CDATA[<div>Scores range from 300-850 (bad-good) </div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-07 17:55:02 UTC</pubDate>
         <guid>https://padlet.com/haugee0324/it3cmvjh07p4/wish/214246030</guid>
      </item>
      <item>
         <title>3 C</title>
         <author>pongra0043</author>
         <link>https://padlet.com/haugee0324/it3cmvjh07p4/wish/214246930</link>
         <description><![CDATA[<div>You are able to set up automatic payments and/or reminders to ensure payments are met on time</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-07 17:56:46 UTC</pubDate>
         <guid>https://padlet.com/haugee0324/it3cmvjh07p4/wish/214246930</guid>
      </item>
      <item>
         <title>3 D</title>
         <author>haugee0324</author>
         <link>https://padlet.com/haugee0324/it3cmvjh07p4/wish/214248388</link>
         <description><![CDATA[<div>Keep balances low on credit cards</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-07 17:59:49 UTC</pubDate>
         <guid>https://padlet.com/haugee0324/it3cmvjh07p4/wish/214248388</guid>
      </item>
      <item>
         <title>Step 4</title>
         <author>pongra0043</author>
         <link>https://padlet.com/haugee0324/it3cmvjh07p4/wish/214250248</link>
         <description><![CDATA[<div>Co-signing on a credit report</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-07 18:03:24 UTC</pubDate>
         <guid>https://padlet.com/haugee0324/it3cmvjh07p4/wish/214250248</guid>
      </item>
      <item>
         <title>4 A</title>
         <author>pongra0043</author>
         <link>https://padlet.com/haugee0324/it3cmvjh07p4/wish/214250588</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2017-12-07 18:04:09 UTC</pubDate>
         <guid>https://padlet.com/haugee0324/it3cmvjh07p4/wish/214250588</guid>
      </item>
   </channel>
</rss>
