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      <title>Credit Report 101 by Emma Haugen</title>
      <link>https://padlet.com/haugee0324/v62qg3l40h6x</link>
      <description>By Emma Haugen and Alex Pongratz</description>
      <language>en-us</language>
      <pubDate>2017-12-08 18:01:06 UTC</pubDate>
      <lastBuildDate>2023-02-17 06:56:33 UTC</lastBuildDate>
      <webMaster>hello@padlet.com</webMaster>
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      <item>
         <title>Step 2</title>
         <author>haugee0324</author>
         <link>https://padlet.com/haugee0324/v62qg3l40h6x/wish/214593042</link>
         <description><![CDATA[<div>make accounts</div>]]></description>
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         <pubDate>2017-12-08 18:01:06 UTC</pubDate>
         <guid>https://padlet.com/haugee0324/v62qg3l40h6x/wish/214593042</guid>
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      <item>
         <title>Step 4</title>
         <author>haugee0324</author>
         <link>https://padlet.com/haugee0324/v62qg3l40h6x/wish/214593044</link>
         <description><![CDATA[<div>Co-signing</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-08 18:01:06 UTC</pubDate>
         <guid>https://padlet.com/haugee0324/v62qg3l40h6x/wish/214593044</guid>
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      <item>
         <title>Credit Report 101</title>
         <author>haugee0324</author>
         <link>https://padlet.com/haugee0324/v62qg3l40h6x/wish/214593048</link>
         <description><![CDATA[]]></description>
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         <pubDate>2017-12-08 18:01:06 UTC</pubDate>
         <guid>https://padlet.com/haugee0324/v62qg3l40h6x/wish/214593048</guid>
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      <item>
         <title>Step 3</title>
         <author>haugee0324</author>
         <link>https://padlet.com/haugee0324/v62qg3l40h6x/wish/214593053</link>
         <description><![CDATA[<div>understanding credit</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-08 18:01:06 UTC</pubDate>
         <guid>https://padlet.com/haugee0324/v62qg3l40h6x/wish/214593053</guid>
      </item>
      <item>
         <title>Step 1</title>
         <author>haugee0324</author>
         <link>https://padlet.com/haugee0324/v62qg3l40h6x/wish/214598423</link>
         <description><![CDATA[<div>Check credit report</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-12-08 18:14:39 UTC</pubDate>
         <guid>https://padlet.com/haugee0324/v62qg3l40h6x/wish/214598423</guid>
      </item>
      <item>
         <title>1 A</title>
         <author>haugee0324</author>
         <link>https://padlet.com/haugee0324/v62qg3l40h6x/wish/214598815</link>
         <description><![CDATA[<div>Three digit number  represents your credit score.</div>]]></description>
         <enclosure url="https://padletuploads.blob.core.windows.net/prod/197473966/996171309d527b2b8f6640d026209acf/creditscore.jpg" />
         <pubDate>2017-12-08 18:15:43 UTC</pubDate>
         <guid>https://padlet.com/haugee0324/v62qg3l40h6x/wish/214598815</guid>
      </item>
      <item>
         <title>1 B</title>
         <author>haugee0324</author>
         <link>https://padlet.com/haugee0324/v62qg3l40h6x/wish/214599355</link>
         <description><![CDATA[<div>Its free to look at your score on <a href="https://www.creditkarma.com/">https://www.creditkarma.com/</a></div>]]></description>
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         <pubDate>2017-12-08 18:17:12 UTC</pubDate>
         <guid>https://padlet.com/haugee0324/v62qg3l40h6x/wish/214599355</guid>
      </item>
      <item>
         <title>2 A</title>
         <author>haugee0324</author>
         <link>https://padlet.com/haugee0324/v62qg3l40h6x/wish/214599971</link>
         <description><![CDATA[<div>Establish saving and checking account</div>]]></description>
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         <pubDate>2017-12-08 18:18:35 UTC</pubDate>
         <guid>https://padlet.com/haugee0324/v62qg3l40h6x/wish/214599971</guid>
      </item>
      <item>
         <title>2 B</title>
         <author>haugee0324</author>
         <link>https://padlet.com/haugee0324/v62qg3l40h6x/wish/214600767</link>
         <description><![CDATA[<div>Checking accounts can hurt your score. </div>]]></description>
         <enclosure url="https://padletuploads.blob.core.windows.net/prod/197473966/ba1f9bd70ab18ee325fed37383d7a1fb/poor_credit.jpg" />
         <pubDate>2017-12-08 18:20:32 UTC</pubDate>
         <guid>https://padlet.com/haugee0324/v62qg3l40h6x/wish/214600767</guid>
      </item>
      <item>
         <title>3 A</title>
         <author>haugee0324</author>
         <link>https://padlet.com/haugee0324/v62qg3l40h6x/wish/214601986</link>
         <description><![CDATA[<div>paying bills on time will help your credit score.</div>]]></description>
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         <pubDate>2017-12-08 18:23:19 UTC</pubDate>
         <guid>https://padlet.com/haugee0324/v62qg3l40h6x/wish/214601986</guid>
      </item>
      <item>
         <title>3 B</title>
         <author>haugee0324</author>
         <link>https://padlet.com/haugee0324/v62qg3l40h6x/wish/214602705</link>
         <description><![CDATA[<div>You can set reminders to pay</div>]]></description>
         <enclosure url="https://padletuploads.blob.core.windows.net/prod/197473966/23f8f617fa3cecee9ee237c22a09074c/reminder.jpg" />
         <pubDate>2017-12-08 18:25:08 UTC</pubDate>
         <guid>https://padlet.com/haugee0324/v62qg3l40h6x/wish/214602705</guid>
      </item>
      <item>
         <title>3 C</title>
         <author>haugee0324</author>
         <link>https://padlet.com/haugee0324/v62qg3l40h6x/wish/214603899</link>
         <description><![CDATA[<div>Better if credit card balance is low.  </div>]]></description>
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         <pubDate>2017-12-08 18:28:03 UTC</pubDate>
         <guid>https://padlet.com/haugee0324/v62qg3l40h6x/wish/214603899</guid>
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      <item>
         <title>4 A</title>
         <author>haugee0324</author>
         <link>https://padlet.com/haugee0324/v62qg3l40h6x/wish/215149976</link>
         <description><![CDATA[<div>Both people can effect the credit score.</div>]]></description>
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         <pubDate>2017-12-11 18:16:05 UTC</pubDate>
         <guid>https://padlet.com/haugee0324/v62qg3l40h6x/wish/215149976</guid>
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      <item>
         <title>4 B</title>
         <author>haugee0324</author>
         <link>https://padlet.com/haugee0324/v62qg3l40h6x/wish/215151328</link>
         <description><![CDATA[<div>Harder to get a loan. </div>]]></description>
         <enclosure url="https://padletuploads.blob.core.windows.net/prod/197473966/30d16e0702dce03cd0221f55010e830f/loan_rejected.png" />
         <pubDate>2017-12-11 18:18:35 UTC</pubDate>
         <guid>https://padlet.com/haugee0324/v62qg3l40h6x/wish/215151328</guid>
      </item>
      <item>
         <title>sources</title>
         <author>haugee0324</author>
         <link>https://padlet.com/haugee0324/v62qg3l40h6x/wish/215152007</link>
         <description><![CDATA[<div>- <a href="http://blog.credit.com/2013/06/cosigning-hurt-my-credit-67205/">http://blog.credit.com/2013/06/cosigning-hurt-my-credit-67205/</a> <br>- <a href="https://www.themuse.com/advice/credit-report-101-a-visual-guide-to-building-your-score">https://www.themuse.com/advice/credit-report-101-a-visual-guide-to-building-your-score</a><br>- <a href="https://www.thebalance.com/do-checking-accounts-affect-your-credit-315379">https://www.thebalance.com/do-checking-accounts-affect-your-credit-315379</a><br>- <a href="https://www.experian.com/blogs/ask-experian/credit-education/score-basics/">https://www.experian.com/blogs/ask-experian/credit-education/score-basics/</a><br>- <a href="https://www.creditkarma.com/">https://www.creditkarma.com/</a></div>]]></description>
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         <pubDate>2017-12-11 18:19:59 UTC</pubDate>
         <guid>https://padlet.com/haugee0324/v62qg3l40h6x/wish/215152007</guid>
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