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		<title>11 best free credit score apps for daily tracking</title>
		<link>https://www.lexingtonlaw.com/blog/credit-101/best-free-credit-score-apps.html</link>
		
		<dc:creator><![CDATA[Lexington Law]]></dc:creator>
		<pubDate>Wed, 02 Sep 2026 17:01:11 +0000</pubDate>
				<category><![CDATA[Credit 101]]></category>
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					<description><![CDATA[Key takeaways&#160; A free credit score app pulls your score from one of the major scoring models, FICO or VantageScore, using data from at least [&#8230;]]]></description>
		
		
		
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		<title>Are Personal Loans Installment or Revolving Credit? </title>
		<link>https://www.lexingtonlaw.com/blog/credit-101/are-personal-loans-installment-or-revolving-credit.html</link>
		
		<dc:creator><![CDATA[Lexington Law]]></dc:creator>
		<pubDate>Wed, 02 Sep 2026 16:47:05 +0000</pubDate>
				<category><![CDATA[Credit 101]]></category>
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					<description><![CDATA[Key takeaways&#160; Are personal loans installment accounts or revolving accounts? Personal loans are installment credit: you receive a lump sum upfront and repay it through [&#8230;]]]></description>
		
		
		
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		<title>Your guide to debt collection</title>
		<link>https://www.lexingtonlaw.com/blog/life-events/your-guide-to-debt-collection.html</link>
		
		<dc:creator><![CDATA[Lexington Law]]></dc:creator>
		<pubDate>Fri, 28 Aug 2026 03:12:49 +0000</pubDate>
				<category><![CDATA[Life Events]]></category>
		<category><![CDATA[Blog Hub Featured Post]]></category>
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					<description><![CDATA[Learn more about how to deal with debt collectors, including what your rights are and how you can protect them during the debt collection process.]]></description>
		
		
		
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		<title>How to deal with debt collectors in 3 simple steps</title>
		<link>https://www.lexingtonlaw.com/blog/finance/how-to-deal-with-debt-collectors.html</link>
		
		<dc:creator><![CDATA[Lexington Law]]></dc:creator>
		<pubDate>Fri, 28 Aug 2026 03:11:20 +0000</pubDate>
				<category><![CDATA[Finance]]></category>
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					<description><![CDATA[When considering how to deal with debt collectors, it is important to understand your rights and have a solid plan of action.]]></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, 26 Aug 2026 16:42:56 +0000</pubDate>
				<category><![CDATA[Finance]]></category>
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					<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  [&#8230;]]]></description>
		
		
		
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		<title>What Is a Credit Mix and Why Does It Matter? </title>
		<link>https://www.lexingtonlaw.com/blog/credit-101/what-is-credit-mix.html</link>
		
		<dc:creator><![CDATA[Lexington Law]]></dc:creator>
		<pubDate>Tue, 25 Aug 2026 18:27:59 +0000</pubDate>
				<category><![CDATA[Credit 101]]></category>
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					<description><![CDATA[Credit mix refers to the different types of credit accounts a person has open at any given time. Managing a range of accounts can improve your credit.]]></description>
		
		
		
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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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