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	<title>Comments on: How To Establish Credit For The First Time</title>
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	<description>Money Tips, Consumer News and Product Reviews To Improve Your Finances</description>
	<lastBuildDate>Tue, 16 Mar 2010 04:47:23 +0000</lastBuildDate>
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		<title>By: Thaidy Hernandez</title>
		<link>http://thesmarterwallet.com/2008/how-to-build-credit-establish-credit-for-the-first-time/comment-page-1/#comment-13377</link>
		<dc:creator>Thaidy Hernandez</dc:creator>
		<pubDate>Tue, 29 Dec 2009 02:10:27 +0000</pubDate>
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		<description>Hey im wondering about how we can start getting credit. Me and my boyfriend have gone everywhere trying to apply for credit cards but keep getting denied. When we go to open up a phone plan they hit us with a high deposit. We&#039;ve even applied for credit cards online and get denied. We would just like more information on ways to build our credit. If there&#039;s anything you can help us out with it&#039;ll be appreciated.

Thank you.</description>
		<content:encoded><![CDATA[<p>Hey im wondering about how we can start getting credit. Me and my boyfriend have gone everywhere trying to apply for credit cards but keep getting denied. When we go to open up a phone plan they hit us with a high deposit. We&#8217;ve even applied for credit cards online and get denied. We would just like more information on ways to build our credit. If there&#8217;s anything you can help us out with it&#8217;ll be appreciated.</p>
<p>Thank you.</p>
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		<title>By: How To Build Good Credit and Clean Up Bad Credit</title>
		<link>http://thesmarterwallet.com/2008/how-to-build-credit-establish-credit-for-the-first-time/comment-page-1/#comment-8454</link>
		<dc:creator>How To Build Good Credit and Clean Up Bad Credit</dc:creator>
		<pubDate>Wed, 05 Aug 2009 06:53:43 +0000</pubDate>
		<guid isPermaLink="false">http://thesmarterwallet.com/?p=1188#comment-8454</guid>
		<description>[...] of installment loan, you might be able to build good credit.  These cards and loans can help you establish credit and develop your credit [...]</description>
		<content:encoded><![CDATA[<p>[...] of installment loan, you might be able to build good credit.  These cards and loans can help you establish credit and develop your credit [...]</p>
]]></content:encoded>
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		<title>By: No Credit History? Here&#8217;s Why Building Credit Is Important</title>
		<link>http://thesmarterwallet.com/2008/how-to-build-credit-establish-credit-for-the-first-time/comment-page-1/#comment-2070</link>
		<dc:creator>No Credit History? Here&#8217;s Why Building Credit Is Important</dc:creator>
		<pubDate>Wed, 04 Mar 2009 08:27:48 +0000</pubDate>
		<guid isPermaLink="false">http://thesmarterwallet.com/?p=1188#comment-2070</guid>
		<description>[...] How to build credit? Here&#8217;s how I was able to establish credit for the first time. [...]</description>
		<content:encoded><![CDATA[<p>[...] How to build credit? Here&#8217;s how I was able to establish credit for the first time. [...]</p>
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		<title>By: Your Visa Debit Card Questions, Answered!</title>
		<link>http://thesmarterwallet.com/2008/how-to-build-credit-establish-credit-for-the-first-time/comment-page-1/#comment-1389</link>
		<dc:creator>Your Visa Debit Card Questions, Answered!</dc:creator>
		<pubDate>Tue, 20 Jan 2009 22:50:28 +0000</pubDate>
		<guid isPermaLink="false">http://thesmarterwallet.com/?p=1188#comment-1389</guid>
		<description>[...] all, the argument for using credit cards is strong, as they provide the ability for us to build and establish credit, and to acquire a layer of protection and security for purchases made (e.g. if you lose the card, [...]</description>
		<content:encoded><![CDATA[<p>[...] all, the argument for using credit cards is strong, as they provide the ability for us to build and establish credit, and to acquire a layer of protection and security for purchases made (e.g. if you lose the card, [...]</p>
]]></content:encoded>
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		<title>By: Bankruptcy &#38; Debt Carnival #20- Online Now!</title>
		<link>http://thesmarterwallet.com/2008/how-to-build-credit-establish-credit-for-the-first-time/comment-page-1/#comment-1373</link>
		<dc:creator>Bankruptcy &#38; Debt Carnival #20- Online Now!</dc:creator>
		<pubDate>Mon, 19 Jan 2009 14:37:27 +0000</pubDate>
		<guid isPermaLink="false">http://thesmarterwallet.com/?p=1188#comment-1373</guid>
		<description>[...] Smarter Wallet presents How To Build Credit: Tips To Establish Credit For The First Time posted at The Smarter Wallet, saying, [...]</description>
		<content:encoded><![CDATA[<p>[...] Smarter Wallet presents How To Build Credit: Tips To Establish Credit For The First Time posted at The Smarter Wallet, saying, [...]</p>
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	<item>
		<title>By: 2009 Personal Finance Goals and Resolutions : Cash Money Life</title>
		<link>http://thesmarterwallet.com/2008/how-to-build-credit-establish-credit-for-the-first-time/comment-page-1/#comment-1216</link>
		<dc:creator>2009 Personal Finance Goals and Resolutions : Cash Money Life</dc:creator>
		<pubDate>Mon, 05 Jan 2009 10:52:30 +0000</pubDate>
		<guid isPermaLink="false">http://thesmarterwallet.com/?p=1188#comment-1216</guid>
		<description>[...] Smarter Wallet presents How To Build Credit: Tips To Establish Credit For The First Time posted at The Smarter Wallet. The goal here is to establish [...]</description>
		<content:encoded><![CDATA[<p>[...] Smarter Wallet presents How To Build Credit: Tips To Establish Credit For The First Time posted at The Smarter Wallet. The goal here is to establish [...]</p>
]]></content:encoded>
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		<title>By: WealthBoy</title>
		<link>http://thesmarterwallet.com/2008/how-to-build-credit-establish-credit-for-the-first-time/comment-page-1/#comment-504</link>
		<dc:creator>WealthBoy</dc:creator>
		<pubDate>Mon, 10 Nov 2008 17:47:02 +0000</pubDate>
		<guid isPermaLink="false">http://thesmarterwallet.com/?p=1188#comment-504</guid>
		<description>Good tips.  One more thing to consider is getting a secured credit card with your bank.  This is what I did to establish credit, because all of the card offers I got wanted to charge annual fees.  I don&#039;t believe in having to pay someone to spend my own money, so I got a secure credit card with Bank of America and they actually paid me (interest on the deposit).</description>
		<content:encoded><![CDATA[<p>Good tips.  One more thing to consider is getting a secured credit card with your bank.  This is what I did to establish credit, because all of the card offers I got wanted to charge annual fees.  I don&#8217;t believe in having to pay someone to spend my own money, so I got a secure credit card with Bank of America and they actually paid me (interest on the deposit).</p>
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	<item>
		<title>By: FixThePig</title>
		<link>http://thesmarterwallet.com/2008/how-to-build-credit-establish-credit-for-the-first-time/comment-page-1/#comment-263</link>
		<dc:creator>FixThePig</dc:creator>
		<pubDate>Thu, 16 Oct 2008 05:06:10 +0000</pubDate>
		<guid isPermaLink="false">http://thesmarterwallet.com/?p=1188#comment-263</guid>
		<description>Good article.  Building credit is very important, especially today!</description>
		<content:encoded><![CDATA[<p>Good article.  Building credit is very important, especially today!</p>
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