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		<title>Provisional Credit: Disputes, Reversals and Your Rights</title>
		<link>https://www.lexingtonlaw.com/blog/credit-101/blog-provisional-credit.html</link>
		
		<dc:creator><![CDATA[Lexington Law]]></dc:creator>
		<pubDate>Wed, 14 Oct 2026 16:21:30 +0000</pubDate>
				<category><![CDATA[Credit 101]]></category>
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					<description><![CDATA[Key Takeaways The information on this page doesn&#8217;t serve as legal, financial or credit advice. Review Lexington Law Firm&#8217;s® editorial disclosure for more detail. A [&#8230;]]]></description>
		
		
		
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		<title>7 Best Credit Monitoring Apps to Help Improve Credit</title>
		<link>https://www.lexingtonlaw.com/blog/credit-101/blog-best-credit-monitoring-apps.html</link>
		
		<dc:creator><![CDATA[Lexington Law]]></dc:creator>
		<pubDate>Wed, 14 Oct 2026 15:57:43 +0000</pubDate>
				<category><![CDATA[Credit 101]]></category>
		<guid isPermaLink="false">https://www.lexingtonlaw.com/blog/?p=21777</guid>

					<description><![CDATA[Key Takeaways The information on this page doesn&#8217;t serve as legal, financial or credit advice. Review Lexington Law Firm&#8217;s® editorial disclosure for more detail. Good [&#8230;]]]></description>
		
		
		
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		<title>609 Dispute Letter: What It Is and How to Write One</title>
		<link>https://www.lexingtonlaw.com/blog/credit-101/what-is-609-letter.html</link>
		
		<dc:creator><![CDATA[Lexington Law]]></dc:creator>
		<pubDate>Wed, 07 Oct 2026 18:02:08 +0000</pubDate>
				<category><![CDATA[Credit 101]]></category>
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					<description><![CDATA[A 609 letter is sold as a way to remove marks from your credit report, but there’s no evidence suggesting that it is more effective than other dispute letter templates. ]]></description>
		
		
		
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		<title>Pay-for-Delete Letter: Template, Sample and How It Works</title>
		<link>https://www.lexingtonlaw.com/blog/finance/pay-for-delete-letter.html</link>
		
		<dc:creator><![CDATA[Lexington Law]]></dc:creator>
		<pubDate>Wed, 07 Oct 2026 17:47:11 +0000</pubDate>
				<category><![CDATA[Finance]]></category>
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					<description><![CDATA[A pay for delete letter is a negotiation tool to have negative information removed from your credit report. Use our template and sample as you write your own.]]></description>
		
		
		
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		<title>The state of American debt in 2026: 54% haven’t made progress on their balance in a year</title>
		<link>https://www.lexingtonlaw.com/blog/finance/blog-finance-state-of-american-debt.html</link>
		
		<dc:creator><![CDATA[Moriah Beaver]]></dc:creator>
		<pubDate>Mon, 05 Oct 2026 20:32:26 +0000</pubDate>
				<category><![CDATA[Finance]]></category>
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					<description><![CDATA[Years of high prices and tight household budgets should have pushed Americans toward visible financial trouble by now. A record $18.8 trillion in household debt [&#8230;]]]></description>
		
		
		
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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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