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	<title>Comments on: How to Improve a Bad Credit Score</title>
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	<link>http://learncreditcards.com/how-to-improve-a-bad-credit-score/</link>
	<description>Pick a credit card. Improve your credit score. Control your future.</description>
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		<title>By: how to improve credit score</title>
		<link>http://learncreditcards.com/how-to-improve-a-bad-credit-score/comment-page-1/#comment-27</link>
		<dc:creator>how to improve credit score</dc:creator>
		<pubDate>Fri, 13 Nov 2009 09:26:13 +0000</pubDate>
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		<description>I don’t think there is a magic number, though some places will say getting it under 7% or 10% is best. I think 20% is a good target and obviously lower is better. However, if you’re making all your payments on-time, that’s a bigger factor that utilization.

That’s a good point about no-activity cards being cut too.</description>
		<content:encoded><![CDATA[<p>I don’t think there is a magic number, though some places will say getting it under 7% or 10% is best. I think 20% is a good target and obviously lower is better. However, if you’re making all your payments on-time, that’s a bigger factor that utilization.</p>
<p>That’s a good point about no-activity cards being cut too.</p>
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		<title>By: Tony Orlando</title>
		<link>http://learncreditcards.com/how-to-improve-a-bad-credit-score/comment-page-1/#comment-25</link>
		<dc:creator>Tony Orlando</dc:creator>
		<pubDate>Fri, 06 Nov 2009 22:00:45 +0000</pubDate>
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		<description>A friend of mine just emailed me one of your articles from a while back.  I read that one a few more.  Really enjoy your blog.  Thanks</description>
		<content:encoded><![CDATA[<p>A friend of mine just emailed me one of your articles from a while back.  I read that one a few more.  Really enjoy your blog.  Thanks</p>
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