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		<title>Credit card convenience checks: the basics</title>
		<link>https://www.lexingtonlaw.com/blog/credit-101/credit-card-convenience-checks-basics.html</link>
		
		<dc:creator><![CDATA[Lexington Law]]></dc:creator>
		<pubDate>Wed, 12 Aug 2026 17:20:45 +0000</pubDate>
				<category><![CDATA[Credit 101]]></category>
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					<description><![CDATA[You might receive convenience checks when you’re approved for a new credit card account. Find out if and when you should use these checks.]]></description>
		
		
		
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		<title>What Is VantageScore 4.0? The New Standard for Your Credit </title>
		<link>https://www.lexingtonlaw.com/blog/credit-101/what-vantagescore-4-0-means-to-you-and-your-credit-report.html</link>
		
		<dc:creator><![CDATA[Lexington Law]]></dc:creator>
		<pubDate>Wed, 12 Aug 2026 17:00:34 +0000</pubDate>
				<category><![CDATA[Credit 101]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[Equifax]]></category>
		<category><![CDATA[FICO]]></category>
		<category><![CDATA[TransUnion]]></category>
		<category><![CDATA[VantageScore 4.0]]></category>
		<guid isPermaLink="false">https://www.lexingtonlaw.com/blog/?p=8948</guid>

					<description><![CDATA[Key takeaways  VantageScore 4.0 is developed jointly by Equifax®, Experian® and TransUnion® and is now a requirement for mortgage lending through Fannie Mae and Freddie [&#8230;]]]></description>
		
		
		
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		<title>How to write a letter of explanation: Guide + template </title>
		<link>https://www.lexingtonlaw.com/blog/loans/how-to-write-a-letter-of-explanation.html</link>
		
		<dc:creator><![CDATA[Lexington Law]]></dc:creator>
		<pubDate>Wed, 12 Aug 2026 16:42:43 +0000</pubDate>
				<category><![CDATA[Loans]]></category>
		<guid isPermaLink="false">https://www.lexingtonlaw.com/blog/?p=19303</guid>

					<description><![CDATA[If you want to write a letter of explanation for a mortgage lender, you’ll need to provide clarifying information about your finances.]]></description>
		
		
		
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		<title>Charged off as bad debt: Here’s what it means</title>
		<link>https://www.lexingtonlaw.com/blog/negative-items/charged-off-as-bad-debt-html.html</link>
		
		<dc:creator><![CDATA[Lexington Law]]></dc:creator>
		<pubDate>Wed, 05 Aug 2026 16:32:28 +0000</pubDate>
				<category><![CDATA[Negative Items]]></category>
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					<description><![CDATA[“Charged off as bad debt” means the lender has written off the account as a loss because they don’t believe the debt will be repaid. Read on to learn more. ]]></description>
		
		
		
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		<title>Credit freeze vs. credit lock: differences and action steps</title>
		<link>https://www.lexingtonlaw.com/blog/credit-101/freeze-vs-lock.html</link>
		
		<dc:creator><![CDATA[Lexington Law]]></dc:creator>
		<pubDate>Tue, 04 Aug 2026 19:42:00 +0000</pubDate>
				<category><![CDATA[Credit 101]]></category>
		<guid isPermaLink="false">https://www.lexingtonlaw.com/blog/?p=16019</guid>

					<description><![CDATA[Credit freezes and credit locks both help prevent identity theft. Discover their differences, plus actionable steps to take for each option.]]></description>
		
		
		
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		<title>How long does it take to build good credit?</title>
		<link>https://www.lexingtonlaw.com/blog/finance/how-long-does-it-take-to-build-good-credit.html</link>
		
		<dc:creator><![CDATA[Lexington Law]]></dc:creator>
		<pubDate>Wed, 29 Jul 2026 19:10:41 +0000</pubDate>
				<category><![CDATA[Finance]]></category>
		<guid isPermaLink="false">https://www.lexingtonlaw.com/blog/?p=15738</guid>

					<description><![CDATA[Building a good credit score takes time—when building your credit from scratch, you can typically expect to see a score within six months. Key takeaways&#160; [&#8230;]]]></description>
		
		
		
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		<title>How Long Do Late Payments Stay on a Credit Report? (2026 Guide)</title>
		<link>https://www.lexingtonlaw.com/blog/credit-101/how-long-do-late-payments-stay-on-credit-reports.html</link>
		
		<dc:creator><![CDATA[Lexington Law]]></dc:creator>
		<pubDate>Fri, 24 Jul 2026 23:26:06 +0000</pubDate>
				<category><![CDATA[Credit 101]]></category>
		<guid isPermaLink="false">https://www.lexingtonlaw.com/blog/?p=17543</guid>

					<description><![CDATA[Late payments can stay on your credit report for up to seven years. We’ll show you how to remove them as well as how to improve your score.]]></description>
		
		
		
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		<title>How to Read a Credit Report: A Section-by-Section Guide (2026)</title>
		<link>https://www.lexingtonlaw.com/blog/finance/how-to-read-a-credit-report.html</link>
		
		<dc:creator><![CDATA[Lexington Law]]></dc:creator>
		<pubDate>Fri, 24 Jul 2026 23:08:46 +0000</pubDate>
				<category><![CDATA[Finance]]></category>
		<guid isPermaLink="false">https://www.lexingtonlaw.com/blog/?p=11081</guid>

					<description><![CDATA[Our guide will teach you how to read a credit report so you can catch any inaccuracies before applying for new credit.]]></description>
		
		
		
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		<title>5 Habits That Can Help Improve Your Credit Score</title>
		<link>https://www.lexingtonlaw.com/blog/news/5-habits-help-improve-credit-score.html</link>
		
		<dc:creator><![CDATA[Lexington Law]]></dc:creator>
		<pubDate>Wed, 04 Mar 2026 00:56:51 +0000</pubDate>
				<category><![CDATA[News]]></category>
		<category><![CDATA[financial literacy]]></category>
		<guid isPermaLink="false">https://www.lexingtonlaw.com/blog/?p=21637</guid>

					<description><![CDATA[You can help improve your credit score by paying bills on time, keeping credit card balances low, limiting new credit applications, reviewing your credit reports [&#8230;]]]></description>
		
		
		
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		<title>How to Use Your Tax Refund to Build Better Credit</title>
		<link>https://www.lexingtonlaw.com/blog/finance/how-to-use-your-tax-refund-to-build-better-credit.html</link>
		
		<dc:creator><![CDATA[Lexington Law]]></dc:creator>
		<pubDate>Fri, 27 Feb 2026 21:56:37 +0000</pubDate>
				<category><![CDATA[Finance]]></category>
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					<description><![CDATA[You can use your tax refund to improve your credit by paying down high credit card balances, catching up on past-due accounts, and building an [&#8230;]]]></description>
		
		
		
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