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	<title>Smart Balance Transfers &#187; Credit Scores</title>
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	<description>The Balance Transfer Credit Card Resource</description>
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		<title>Multiple Credit Card Applications and the Impact on Credit Scores</title>
		<link>http://www.smartbalancetransfers.com/blog/2011/10/multiple-credit-card-applications-and-the-impact-on-credit-scores-676/</link>
		<comments>http://www.smartbalancetransfers.com/blog/2011/10/multiple-credit-card-applications-and-the-impact-on-credit-scores-676/#comments</comments>
		<pubDate>Thu, 27 Oct 2011 16:21:33 +0000</pubDate>
		<dc:creator>Jeffrey Weber</dc:creator>
				<category><![CDATA[Credit Card News Stories]]></category>
		<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[Credit Tips]]></category>
		<category><![CDATA[credit card applications]]></category>
		<category><![CDATA[credit card credit score]]></category>
		<category><![CDATA[credit card offers]]></category>
		<category><![CDATA[credit cards]]></category>

		<guid isPermaLink="false">http://www.smartbalancetransfers.com/blog/?p=3391</guid>
		<description><![CDATA[In the competitive world of credit cards, each bank is trying to attract new customers by just about any means possible. Two of the primary tools they use to encourage new applicants are super-sized 21 month 0% balance transfer offers and constantly increasing sign up bonus offers. These bonus awards can be very valuable, with cardholders [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Use Smart Credit Management to Increase Your Credit Score</title>
		<link>http://www.smartbalancetransfers.com/blog/2011/02/use-smart-credit-management-to-increase-your-credit-score/</link>
		<comments>http://www.smartbalancetransfers.com/blog/2011/02/use-smart-credit-management-to-increase-your-credit-score/#comments</comments>
		<pubDate>Wed, 02 Feb 2011 21:52:51 +0000</pubDate>
		<dc:creator>Jeff Weber</dc:creator>
				<category><![CDATA[Credit Card News Stories]]></category>
		<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[credit management]]></category>
		<category><![CDATA[credit score]]></category>

		<guid isPermaLink="false">http://www.smartbalancetransfers.com/blog/?p=2136</guid>
		<description><![CDATA[Credit cards are not all evil, as many people would lead you to believe.  In fact, when credit cards are used appropriately and managed well, they can actually help you increase your credit score. Your use of credit cards, and your history of paying your debts is vital to your credit score calculation.  Since your [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Improve Your Credit Score in 30 Days</title>
		<link>http://www.smartbalancetransfers.com/blog/2010/12/improve-your-credit-score-in-30-days/</link>
		<comments>http://www.smartbalancetransfers.com/blog/2010/12/improve-your-credit-score-in-30-days/#comments</comments>
		<pubDate>Mon, 13 Dec 2010 14:45:54 +0000</pubDate>
		<dc:creator>Jeff Weber</dc:creator>
				<category><![CDATA[Credit Card News Stories]]></category>
		<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[annualcreditreport.com]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[free credit score]]></category>
		<category><![CDATA[increase credit score]]></category>

		<guid isPermaLink="false">http://www.smartbalancetransfers.com/blog/?p=1904</guid>
		<description><![CDATA[If you have had financial difficulties in the past, you may have seen your credit score drop a lot.  Since your credit score plays a large role in your life, you want to take steps to increase it.  The higher your score, the better interest rates you receive when you borrow money.  Credit scores also [...]]]></description>
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		<slash:comments>2</slash:comments>
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		<title>A Quick Tip to Boost Your Credit Score</title>
		<link>http://www.smartbalancetransfers.com/blog/2010/09/a-quick-tip-to-boost-your-credit-score-292/</link>
		<comments>http://www.smartbalancetransfers.com/blog/2010/09/a-quick-tip-to-boost-your-credit-score-292/#comments</comments>
		<pubDate>Wed, 22 Sep 2010 15:48:15 +0000</pubDate>
		<dc:creator>Jeff Weber</dc:creator>
				<category><![CDATA[Credit Card News Stories]]></category>
		<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[credit tip]]></category>
		<category><![CDATA[CUR]]></category>
		<category><![CDATA[improve credit score]]></category>

		<guid isPermaLink="false">http://www.smartbalancetransfers.com/blog/?p=1169</guid>
		<description><![CDATA[Although I literally charge everything possible on my credit card to earn credit card rewards, when my credit card bill comes in the mail, I generally owe no more than $150. This amount, which is a small percent of my available credit and a fraction of what my family spends every month, is reported to the [...]]]></description>
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		<slash:comments>2</slash:comments>
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		<title>Baby Boomer Credit Card Limit Cuts</title>
		<link>http://www.smartbalancetransfers.com/blog/2010/09/baby-boomer-credit-card-limit-cuts-179/</link>
		<comments>http://www.smartbalancetransfers.com/blog/2010/09/baby-boomer-credit-card-limit-cuts-179/#comments</comments>
		<pubDate>Fri, 17 Sep 2010 15:15:02 +0000</pubDate>
		<dc:creator>Jeff Weber</dc:creator>
				<category><![CDATA[Credit Card Complaints]]></category>
		<category><![CDATA[Credit Card News Stories]]></category>
		<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[baby boomer]]></category>
		<category><![CDATA[chase]]></category>
		<category><![CDATA[credit card companies]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[credit limits]]></category>
		<category><![CDATA[credit utilization ratio]]></category>

		<guid isPermaLink="false">http://www.smartbalancetransfers.com/blog/?p=1160</guid>
		<description><![CDATA[Credit card complaints have continued their steady decline since the implementation of the CARD Act. Now that credit card companies can no longer raise rates on existing balances, the main complaints continue to revolve around credit limit cuts.  However, even though these complaints have fallen off in recent month, it appears that Baby Boomers are [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Credit Scores May Be Improving for Some</title>
		<link>http://www.smartbalancetransfers.com/blog/2010/01/credit-scores-may-be-improving-for-some-703/</link>
		<comments>http://www.smartbalancetransfers.com/blog/2010/01/credit-scores-may-be-improving-for-some-703/#comments</comments>
		<pubDate>Sun, 24 Jan 2010 18:08:24 +0000</pubDate>
		<dc:creator>Jeff Weber</dc:creator>
				<category><![CDATA[Credit Card News Stories]]></category>
		<category><![CDATA[Credit Scores]]></category>

		<guid isPermaLink="false">http://www.smartbalancetransfers.com/blog/?p=708</guid>
		<description><![CDATA[During 2009, credit card companies reacted to the turmoil in financial markets by slashing consumer credit lines by unprecedented amounts.  Many consumers saw credit limits reduce to a mere $100 above their outstanding balances.  This caused credit utilization ratios, a key factor in credit scoring, to shoot through the roof, dragging down credit scores to the [...]]]></description>
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		<slash:comments>2</slash:comments>
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		<item>
		<title>Understanding the Impact of Credit Limit Cuts on Credit Scores</title>
		<link>http://www.smartbalancetransfers.com/blog/2009/04/understanding-the-impact-of-credit-limit-cuts-on-credit-scores/</link>
		<comments>http://www.smartbalancetransfers.com/blog/2009/04/understanding-the-impact-of-credit-limit-cuts-on-credit-scores/#comments</comments>
		<pubDate>Thu, 30 Apr 2009 16:08:15 +0000</pubDate>
		<dc:creator>Jeff Weber</dc:creator>
				<category><![CDATA[Credit Scores]]></category>

		<guid isPermaLink="false">http://www.smartbalancetransfers.com/blog/?p=326</guid>
		<description><![CDATA[Although it seems the pace of credit limit cuts has slowed recently, they are still an issue many of us have to deal with.  The same goes for the relationship between balance transfers and credit limits. Two helpful articles on this subject on our site include, &#8220;What to Do When Your Credit Limit is Cut,&#8221; [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>How to Hurt Your Credit Score with a Balance Transfer</title>
		<link>http://www.smartbalancetransfers.com/blog/2009/04/balance-transfers-credit-scores/</link>
		<comments>http://www.smartbalancetransfers.com/blog/2009/04/balance-transfers-credit-scores/#comments</comments>
		<pubDate>Fri, 10 Apr 2009 16:27:39 +0000</pubDate>
		<dc:creator>Jeff Weber</dc:creator>
				<category><![CDATA[Credit Scores]]></category>

		<guid isPermaLink="false">http://www.smartbalancetransfers.com/blog/?p=193</guid>
		<description><![CDATA[Overview A common concern for people considering balance transfers is how a balance transfer will affect their credit score.  I wrote a detailed article on balance transfers and credit scores recently, but ultimately, there is no concrete answer to this question.  Nevertheless, there are a few general rules a person can follow to limit any [...]]]></description>
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		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Q &amp; A:  How Do Balance Transfers Affect Credit Scores?</title>
		<link>http://www.smartbalancetransfers.com/blog/2009/02/how-do-balance-transfers-affect-credit-scores/</link>
		<comments>http://www.smartbalancetransfers.com/blog/2009/02/how-do-balance-transfers-affect-credit-scores/#comments</comments>
		<pubDate>Thu, 26 Feb 2009 21:02:31 +0000</pubDate>
		<dc:creator>Jeff Weber</dc:creator>
				<category><![CDATA[Credit Scores]]></category>

		<guid isPermaLink="false">http://www.smartbalancetransfers.com/blog/?p=115</guid>
		<description><![CDATA[In response to numerous inquiries from visitors, we recently added an article on How Balance Transfers Affect Credit Scores to the main section of our website. In this article, I examine a few scenarios in which doing a balance transfer actually improves a person&#8217;s credit score as well as a few major pitfalls to avoid. [...]]]></description>
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		<slash:comments>0</slash:comments>
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