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		<title>Charge Card vs. Credit Card: What’s The Difference?</title>
		<link>https://www.lexingtonlaw.com/blog/credit-101/credit-card-charge-card-whats-difference.html</link>
		
		<dc:creator><![CDATA[Lexington Law]]></dc:creator>
		<pubDate>Wed, 28 Oct 2026 15:55:37 +0000</pubDate>
				<category><![CDATA[Credit 101]]></category>
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					<description><![CDATA[Did you know that a charge card and a credit card aren’t the same? Find out how they’re different and which one is right for you.]]></description>
		
		
		
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		<title>What Factors Affect Your Credit Score?</title>
		<link>https://www.lexingtonlaw.com/blog/credit-101/credit-score-factors.html</link>
		
		<dc:creator><![CDATA[Lexington Law]]></dc:creator>
		<pubDate>Wed, 28 Oct 2026 15:44:09 +0000</pubDate>
				<category><![CDATA[Credit 101]]></category>
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					<description><![CDATA[Key Takeaways Credit score factors are the categories that scoring models use to evaluate your creditworthiness and assign your score. A credit score is a [&#8230;]]]></description>
		
		
		
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		<title>Soft vs. Hard Inquiry: Different Credit Pull Types Explained</title>
		<link>https://www.lexingtonlaw.com/blog/credit-101/soft-vs-hard-credit-check.html</link>
		
		<dc:creator><![CDATA[Lexington Law]]></dc:creator>
		<pubDate>Sun, 25 Oct 2026 20:20:12 +0000</pubDate>
				<category><![CDATA[Credit 101]]></category>
		<guid isPermaLink="false">https://www.lexingtonlaw.com/blog/?p=20073</guid>

					<description><![CDATA[Soft and hard credit checks, while similar, have key differences. Learn how a soft vs. hard credit check impacts your credit and common examples for each.]]></description>
		
		
		
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		<title>1 in 5 Americans under 45 have settled for a cheaper home because of their credit</title>
		<link>https://www.lexingtonlaw.com/blog/credit-101/price-of-a-bad-score-survey.html</link>
		
		<dc:creator><![CDATA[Moriah Beaver]]></dc:creator>
		<pubDate>Fri, 23 Oct 2026 08:00:00 +0000</pubDate>
				<category><![CDATA[Credit 101]]></category>
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					<description><![CDATA[A bad credit score shows up on paper as a number: a 22% APR instead of 7% or a car payment that runs $200 higher [&#8230;]]]></description>
		
		
		
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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>
		<guid isPermaLink="false">https://www.lexingtonlaw.com/blog/?p=21784</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. 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>
		<guid isPermaLink="false">https://www.lexingtonlaw.com/blog/?p=13514</guid>

					<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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