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	<title><![CDATA[credit history Resources | BNET]]></title>
	<link><![CDATA[http://resources.bnet.com/topic/credit+history.html]]></link>
	<description><![CDATA[White papers, case studies, business articles, and blog posts relating to credit history]]></description>
	<s:counts start="0" returned="18" found="18" />
	<language>en-us</language>
	<item>
		<title><![CDATA[Microchip Implant to Link Your Health Records, Credit History, Social Security]]></title>
		<link><![CDATA[http://industry.bnet.com/pharma/10004616/microchip-implant-to-link-your-health-records-credit-history-social-security/]]></link>
		<description><![CDATA[Novartis and Proteus Biomedical are not the only companies hoping to implant microchips into patients so that their pill-popping habits can be monitored. VeriChip of Delray Beach, Fl., has an even bolder idea: an implanted chip that links to an online database containing all your medical records, credit history and...]]></description>
		<s:doctype><![CDATA[Blog posts]]></s:doctype>
		<pubDate>Mon, 05 Oct 2009 13:20:24 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/microchip.html"><![CDATA[Microchip]]></category>
		<category domain="http://resources.bnet.com/topic/credit+history.html"><![CDATA[Credit History]]></category>
		<category domain="http://resources.bnet.com/topic/health+care.html"><![CDATA[Health Care]]></category>
		<category domain="http://resources.bnet.com/topic/social+security.html"><![CDATA[Social Security]]></category>
		<category domain="http://resources.bnet.com/topic/semiconductors.html"><![CDATA[Semiconductors]]></category>
		<category domain="http://resources.bnet.com/topic/operational+accounting.html"><![CDATA[Operational Accounting]]></category>
		<category domain="http://resources.bnet.com/topic/personal+finance.html"><![CDATA[Personal Finance]]></category>
		<category domain="http://resources.bnet.com/topic/government.html"><![CDATA[Government]]></category>
		<category domain="http://resources.bnet.com/topic/hardware.html"><![CDATA[Hardware]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
		<category domain="http://resources.bnet.com/topic/jim+edwards.html"><![CDATA[Jim Edwards]]></category>
	</item>
	<item>
		<title><![CDATA[College Kids and Credit Cards: What Every Parent Needs to Know]]></title>
		<link><![CDATA[http://moneywatch.bnet.com/saving-money/article/college-kids-and-credit-cards-what-every-parent-needs-to-know/340021/]]></link>
		<description><![CDATA[The plastic providers have one more chance to lure in college students before next year's law prevents them. Here's how to make your kid "card smart."  The era of &#8220;No Student Left Behind: Credit Card Edition&#8221; will come to an end early next year, thanks to the new credit...]]></description>
		<s:doctype><![CDATA[Articles]]></s:doctype>
		<pubDate>Thu, 10 Sep 2009 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/card.html"><![CDATA[Card]]></category>
		<category domain="http://resources.bnet.com/topic/credit+card.html"><![CDATA[Credit Card]]></category>
		<category domain="http://resources.bnet.com/topic/credit+history.html"><![CDATA[Credit History]]></category>
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		<category domain="http://resources.bnet.com/topic/credit.com.html"><![CDATA[Credit.com]]></category>
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		<category domain="http://resources.bnet.com/topic/stacey+bradford.html"><![CDATA[Stacey Bradford]]></category>
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		<category domain="http://resources.bnet.com/topic/adam+levin.html"><![CDATA[Adam Levin]]></category>
		<category domain="http://resources.bnet.com/topic/credit+unions.html"><![CDATA[Credit Unions]]></category>
		<category domain="http://resources.bnet.com/topic/credit+score.html"><![CDATA[Credit Score]]></category>
		<category domain="http://resources.bnet.com/topic/credit+report.html"><![CDATA[Credit Report]]></category>
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	<item>
		<title><![CDATA[How To Get An Unsecured Loan After Bankruptcy - Rebuild Your Credit History Good]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=1014609]]></link>
		<description><![CDATA[The word "Bankruptcy" does not let you to apply for the regular loan and you do not have any other source of income. Then you do not have to fret how to manage for the cash now. Unsecured loan after bankruptcy is specially designed for those persons who are bankruptcies...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Fri, 24 Apr 2009 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/credit+history.html"><![CDATA[Credit History]]></category>
		<category domain="http://resources.bnet.com/topic/bankruptcy.html"><![CDATA[Bankruptcy]]></category>
		<category domain="http://resources.bnet.com/topic/article+slide.html"><![CDATA[Article Slide]]></category>
		<category domain="http://resources.bnet.com/topic/litigation.html"><![CDATA[Litigation]]></category>
		<category domain="http://resources.bnet.com/topic/personal+finance.html"><![CDATA[Personal Finance]]></category>
		<category domain="http://resources.bnet.com/topic/business+operations.html"><![CDATA[Business Operations]]></category>
	</item>
	<item>
		<title><![CDATA[How To Build Credit History And Stay Out Of Debt]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=953289]]></link>
		<description><![CDATA[Building a rock solid credit history and staying out of debt go perfectly hand in hand. Many times the perception is that debt is not only a reality, but also a necessity in order to build credit. Technically there is some truth to this, but building an excellent credit history...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Wed, 06 Feb 2008 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/credit+history.html"><![CDATA[Credit History]]></category>
		<category domain="http://resources.bnet.com/topic/debt.html"><![CDATA[Debt]]></category>
		<category domain="http://resources.bnet.com/topic/larry+lim.html"><![CDATA[Larry Lim]]></category>
	</item>
	<item>
		<title><![CDATA[Credit History]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=313289]]></link>
		<description><![CDATA[Use this template to track the credit history of your customers. Because it employs no calculations, the template can be used almost as effectively on paper as electronically. ]]></description>
		<s:doctype><![CDATA[Tools & templates]]></s:doctype>
		<pubDate>Sat, 01 Sep 2007 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/credit+history.html"><![CDATA[Credit History]]></category>
		<category domain="http://resources.bnet.com/topic/template.html"><![CDATA[Template]]></category>
		<category domain="http://resources.bnet.com/topic/jaxworks.html"><![CDATA[JaxWorks]]></category>
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	<item>
		<title><![CDATA[Allstate Settles Charges It Factored Credit Histories Into Its Auto Rates.]]></title>
		<link><![CDATA[http://findarticles.com/p/articles/mi_hb5553/is_200403/ai_n22126126]]></link>
		<description><![CDATA[By Lisa Munoz, The Orange County Register, Calif. Knight  Ridder/Tribune Business News    By Lisa Munoz, The Orange County Register, Calif. Knight  Ridder/Tribune Business News  ]]></description>
		<s:doctype><![CDATA[Research articles]]></s:doctype>
		<pubDate>Wed, 03 Mar 2004 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/allstate+corp..html"><![CDATA[Allstate Corp.]]></category>
		<category domain="http://resources.bnet.com/topic/credit+history.html"><![CDATA[credit history]]></category>
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		<title><![CDATA[Sample Disclosure Statement When Checking The Credit Of Prospective Employees]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=311680]]></link>
		<description><![CDATA[In some cases, you may want to investigate a potential employee's credit history. If the position you are trying to fill involves handling cash or otherwise managing your business's assets, a credit check is essential. Inability to manage personal credit and finances doesn't mean that an individual will have similar...]]></description>
		<s:doctype><![CDATA[Tools & templates]]></s:doctype>
		<pubDate>Mon, 01 Mar 2004 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/employee.html"><![CDATA[Employee]]></category>
		<category domain="http://resources.bnet.com/topic/office+depot+inc..html"><![CDATA[Office Depot Inc.]]></category>
		<category domain="http://resources.bnet.com/topic/credit+history.html"><![CDATA[Credit History]]></category>
		<category domain="http://resources.bnet.com/topic/asset+management.html"><![CDATA[Asset Management]]></category>
		<category domain="http://resources.bnet.com/topic/operational+planning.html"><![CDATA[Operational Planning]]></category>
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	</item>
	<item>
		<title><![CDATA[Consumer Credit Scoring: Do Situational Circumstances Matter?]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=125195]]></link>
		<description><![CDATA[Although credit history scoring offers benefits to lenders and borrowers, failure to consider situational circumstances raises important statistical issues that may affect the ability of scoring systems to accurately quantify an individual's credit risk. Evidence from a national sample of credit reporting agency records suggests that failure to consider measures...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Thu, 01 Jan 2004 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/agency.html"><![CDATA[Agency]]></category>
		<category domain="http://resources.bnet.com/topic/credit+history.html"><![CDATA[Credit History]]></category>
		<category domain="http://resources.bnet.com/topic/consumer+credit.html"><![CDATA[Consumer Credit]]></category>
		<category domain="http://resources.bnet.com/topic/bank+for+international+settlements.html"><![CDATA[Bank For International Settlements]]></category>
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		<category domain="http://resources.bnet.com/topic/marketing.html"><![CDATA[Marketing]]></category>
	</item>
	<item>
		<title><![CDATA[Credit-repair services]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=54175]]></link>
		<description><![CDATA[The author of this article says that credit card services are one that belongs to a reputable membership organization and is independently accredited. Credit-repair firms often aim to improve your credit history by taking shortcuts or finding other timesaving measures. Unscrupulous credit-repair services promise to end your credit woes with...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Mon, 08 Sep 2003 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/credit+history.html"><![CDATA[Credit History]]></category>
		<category domain="http://resources.bnet.com/topic/service.html"><![CDATA[Service]]></category>
	</item>
	<item>
		<title><![CDATA[Insurance Scoring - About Time! Using Credit History to Manage Insurance Risk]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=102263]]></link>
		<description><![CDATA[In this paper, we intend to give readers an idea of the concept of insurance scoring, lay out some perspectives on the associated benefits, appreciate critics' opposition to its usage, as well as shed light on current insurance scoring legislations. Keeping in mind all sides of the argument, we will...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Tue, 01 Jul 2003 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/credit+history.html"><![CDATA[Credit History]]></category>
		<category domain="http://resources.bnet.com/topic/insurance.html"><![CDATA[Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/financial+planning.html"><![CDATA[Financial Planning]]></category>
		<category domain="http://resources.bnet.com/topic/business+operations.html"><![CDATA[Business Operations]]></category>
		<category domain="http://resources.bnet.com/topic/corporate+insurance.html"><![CDATA[Corporate Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
	</item>
	<item>
		<title><![CDATA[The Use of Credit Information in Personal Lines Insurance Underwriting]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=100143]]></link>
		<description><![CDATA[Credit, and the ability to access it and manage it, is an integral part of everyday life. Today, credit records affect getting a job, finding a place to live, securing a loan, setting up telephone service and buying insurance. Most consumers benefit from the use of credit information because most...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Sun, 01 Jun 2003 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/insurance+information+institute.html"><![CDATA[Insurance Information Institute]]></category>
		<category domain="http://resources.bnet.com/topic/credit+history.html"><![CDATA[Credit History]]></category>
		<category domain="http://resources.bnet.com/topic/insurance+company.html"><![CDATA[Insurance Company]]></category>
		<category domain="http://resources.bnet.com/topic/insurance.html"><![CDATA[Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/financial+planning.html"><![CDATA[Financial Planning]]></category>
		<category domain="http://resources.bnet.com/topic/business+operations.html"><![CDATA[Business Operations]]></category>
		<category domain="http://resources.bnet.com/topic/corporate+insurance.html"><![CDATA[Corporate Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
	</item>
	<item>
		<title><![CDATA[Overcome a Bad Credit History by Making Smart Choices Now]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=54340]]></link>
		<description><![CDATA[So, your credit's not great. It may even be bad. And now you want to know how to clean it up. Well, there are no quick-fix solutions when it comes to your credit history. You can't sweep late payments away or toss out charge-off. But with patience and discipline, you...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Wed, 01 Jan 2003 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/e-loan.html"><![CDATA[E-Loan]]></category>
		<category domain="http://resources.bnet.com/topic/credit+history.html"><![CDATA[Credit History]]></category>
	</item>
	<item>
		<title><![CDATA[How Can I Establish--or Rebuild--Good Credit?]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=54342]]></link>
		<description><![CDATA[If you do not have a well-established credit history, you should begin to build one. The article says that the trick is to start small: try applying for credit with a local business, such as a department store or a local bank or credit union. These local merchants may have...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Wed, 01 Jan 2003 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/e-loan.html"><![CDATA[E-Loan]]></category>
		<category domain="http://resources.bnet.com/topic/credit+history.html"><![CDATA[Credit History]]></category>
	</item>
	<item>
		<title><![CDATA[Small Business Loan Turndowns, Personal Wealth and Discrimination]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=48594]]></link>
		<description><![CDATA[This paper examines the impact of personal wealth on small business loan turndowns across demographic groups. It provides information on home ownership, home equity, and personal net worth excluding the business owner's home, in combination with data on the personal credit history of the principal owner. The paper discusses the...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Mon, 07 Jan 2002 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/federal+reserve+board.html"><![CDATA[Federal Reserve Board]]></category>
		<category domain="http://resources.bnet.com/topic/credit+history.html"><![CDATA[Credit History]]></category>
		<category domain="http://resources.bnet.com/topic/small+business.html"><![CDATA[Small Business]]></category>
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		<category domain="http://resources.bnet.com/topic/financial+services.html"><![CDATA[Financial Services]]></category>
	</item>
	<item>
		<title><![CDATA[The Truth About Credit Reports]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=52630]]></link>
		<description><![CDATA[This article explains that you know that a mistake on your credit history can ruin you--it may mean higher interest payments, inability to obtain a loan, a credit card or to buy a house. It may even prevent you from obtaining the job you want--because some employers check credit history....]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Sat, 01 Jan 2000 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/credit+history.html"><![CDATA[Credit History]]></category>
		<category domain="http://resources.bnet.com/topic/free+credit+reports.html"><![CDATA[Free Credit Reports]]></category>
	</item>
	<item>
		<title><![CDATA[Regulators, Allstate clash over underwriting of credit. (use of credit history in choosing personal lines insurance applicants)]]></title>
		<link><![CDATA[http://findarticles.com/p/articles/mi_hb5249/is_199411/ai_n20024732]]></link>
		<description><![CDATA[WASHINGTON - Allstate officials clashed with state regulators  during a public hearing on urban coverage over the appropriateness of  their practice of using credit history as an underwriting criteria for  personal lines insurance applicants.    The pra  WASHINGTON - Allstate officials clashed with state...]]></description>
		<s:doctype><![CDATA[Research articles]]></s:doctype>
		<pubDate>Mon, 07 Nov 1994 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/allstate+corp..html"><![CDATA[Allstate Corp.]]></category>
		<category domain="http://resources.bnet.com/topic/credit+history.html"><![CDATA[credit history]]></category>
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	</item>
	<item>
		<title><![CDATA[Your Credit History]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=265918]]></link>
		<description><![CDATA[As part of the loan application process, virtually all lenders will want to see a copy of the credit report. The report will list all the person's long-term debts (credit cards, mortgage payments, automobile and student loans, etc), as well as his payment history. If the person's does not have...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
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		<category domain="http://resources.bnet.com/topic/credit+history.html"><![CDATA[Credit History]]></category>
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	</item>
	<item>
		<title><![CDATA[For Your Needs, at Low Rates... Cheap Poor Credit History Loans]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=269595]]></link>
		<description><![CDATA[Credit history is the reflection of ones sincerity in repaying his debts. This makes it a considerable feature for lenders to look for when a person is looking for loans. If the person's credit score is good then a person is very lucky in terms of loan borrowing as he...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<category domain="http://resources.bnet.com/topic/credit+history.html"><![CDATA[Credit History]]></category>
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		<category domain="http://resources.bnet.com/topic/poor+credit+history+loans.html"><![CDATA[Poor Credit History Loans]]></category>
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