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	<title>ClariTree.com - Mortgages and Real Estate News&#187; Talking Credit &#8211; Give Yourself a Chance to Have a Great Future|ClariTree.com &#8211; Mortgages and Real Estate News</title>
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		<title>Talking Credit &#8211; Give Yourself a Chance to Have a Great Future</title>
		<link>http://claritree.com/credit-give-chance-great-future</link>
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		<pubDate>Wed, 07 Oct 2009 01:20:20 +0000</pubDate>
		<dc:creator>ClariTree Team</dc:creator>
				<category><![CDATA[Featured Mortgage]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[Credit History]]></category>
		<category><![CDATA[credit information]]></category>
		<category><![CDATA[Credit Rating]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[Credit Score]]></category>

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		<description><![CDATA[Many think that the credit scoring models are an exact science unfortunately people need to gain understanding of the moving pieces associated with credit scoring as it is more of an art form.  Each credit bureau has its own proprietary formula.  While we do not know the exact formula we do know the following.]]></description>
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