<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[CR 101]]></title><description><![CDATA[Fix Your Credit. Rebuild Your Future.]]></description><link>https://www.credit-repair101.com/blog</link><generator>RSS for Node</generator><lastBuildDate>Sun, 13 Sep 2026 10:48:14 GMT</lastBuildDate><atom:link href="https://www.credit-repair101.com/ar/blog-feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[Charge Off Recovery Guide for Better Credit]]></title><description><![CDATA[Use this charge off recovery guide to review your reports, dispute real errors, address valid debt, and rebuild stronger credit habits over time steadily.]]></description><link>https://www.credit-repair101.com/post/charge-off-recovery-guide-for-better-credit</link><guid isPermaLink="false">6aa61201576eb9720e6d6b09</guid><pubDate>Sun, 13 Sep 2026 03:01:22 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/802c46_e9d210563fda4ac09c3dfeb80bff0d11~mv2.webp/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Jacob O&apos;Brien</dc:creator></item><item><title><![CDATA[Medical Collections Reporting Rules Explained]]></title><description><![CDATA[Learn medical collections reporting rules, when medical debt can appear on credit reports, and how to challenge inaccurate collection accounts fairly.]]></description><link>https://www.credit-repair101.com/post/medical-collections-reporting-rules-explained</link><guid isPermaLink="false">6aa35ecaf448a9cd17b1f86b</guid><pubDate>Fri, 11 Sep 2026 01:52:11 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/802c46_b7fb60eb41b34ef38a3ed18c67751b7a~mv2.webp/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Jacob O&apos;Brien</dc:creator></item><item><title><![CDATA[Should I Pay Collections? What to Do First]]></title><description><![CDATA[Should I pay collections? Learn when payment helps, when to dispute first, and how to protect your credit, negotiate terms, and rebuild with a clear plan.]]></description><link>https://www.credit-repair101.com/post/should-i-pay-collections-what-to-do-first</link><guid isPermaLink="false">6aa0bc69f9eff77fe84b24da</guid><pubDate>Wed, 09 Sep 2026 01:54:50 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/802c46_e754d67ba7124506ad22e04ac1faad24~mv2.webp/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Jacob O&apos;Brien</dc:creator></item><item><title><![CDATA[Credit Report Versus Credit Score Explained]]></title><description><![CDATA[Understand credit report versus credit score, why lenders use both, how errors affect your options, and what steps can help strengthen your profile today.]]></description><link>https://www.credit-repair101.com/post/credit-report-versus-credit-score-explained</link><guid isPermaLink="false">6a9e580aff2777f8cf44df3f</guid><pubDate>Mon, 07 Sep 2026 06:22:03 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/802c46_83588b8242bf4da0ba3944473b6a8c7a~mv2.webp/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Jacob O&apos;Brien</dc:creator></item><item><title><![CDATA[Secured Cards vs Credit Builder Loans Compared]]></title><description><![CDATA[Secured cards vs credit builder loans can both build payment history. Learn the costs, credit effects, and the right option for your rebuild plan today.]]></description><link>https://www.credit-repair101.com/post/secured-cards-vs-credit-builder-loans-compared</link><guid isPermaLink="false">6a9bb469950c73fdcf7c1e4a</guid><pubDate>Sat, 05 Sep 2026 06:19:22 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/802c46_b3b63a631a10482f9a04141d9e8300a3~mv2.webp/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Jacob O&apos;Brien</dc:creator></item><item><title><![CDATA[How to Request Debt Validation the Right Way]]></title><description><![CDATA[Learn how to request debt validation, protect your rights, and respond to collection notices without making costly credit mistakes or rushed payments.]]></description><link>https://www.credit-repair101.com/post/how-to-request-debt-validation-the-right-way</link><guid isPermaLink="false">6a9910a2887fa485c8da99cb</guid><pubDate>Thu, 03 Sep 2026 06:16:02 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/802c46_5887f57124f645e2a7c1710a3d05dc01~mv2.webp/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Jacob O&apos;Brien</dc:creator></item><item><title><![CDATA[Best Ways to Lower Utilization on Credit Cards]]></title><description><![CDATA[Learn the best ways to lower utilization, protect your payment history, and build a healthier credit profile with practical, lawful steps that work today.]]></description><link>https://www.credit-repair101.com/post/best-ways-to-lower-utilization-on-credit-cards</link><guid isPermaLink="false">6a966da036df210911bb602b</guid><pubDate>Tue, 01 Sep 2026 06:16:00 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/802c46_b3ae003fd2464d15b66527c0b3ddf4b3~mv2.webp/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Jacob O&apos;Brien</dc:creator></item><item><title><![CDATA[Can Closed Accounts Hurt Credit? What to Know]]></title><description><![CDATA[Can closed accounts hurt credit? Learn when closures affect account age, credit utilization, and your next steps to protect your credit profile today.]]></description><link>https://www.credit-repair101.com/post/can-closed-accounts-hurt-credit-what-to-know</link><guid isPermaLink="false">6a93ca9f7ba802b41b90c27b</guid><pubDate>Sun, 30 Aug 2026 06:15:59 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/802c46_8b5986f720954be690c745b4faefb1cf~mv2.webp/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Jacob O&apos;Brien</dc:creator></item><item><title><![CDATA[How to Dispute Hard Inquiries on Your Credit Report]]></title><description><![CDATA[Learn how to dispute hard inquiries that are unauthorized or inaccurate, protect your credit file, and respond carefully when bureaus investigate errors.]]></description><link>https://www.credit-repair101.com/post/how-to-dispute-hard-inquiries-on-your-credit-report</link><guid isPermaLink="false">6a9126f01ebc96457f6ad0ab</guid><pubDate>Fri, 28 Aug 2026 06:13:05 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/802c46_be9529ac3cf64fa6a099cf035003834f~mv2.webp/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Jacob O&apos;Brien</dc:creator></item><item><title><![CDATA[How to Correct Personal Information Errors]]></title><description><![CDATA[Learn how to correct personal information errors on your credit reports, protect your identity, and keep inaccurate details from affecting your finances.]]></description><link>https://www.credit-repair101.com/post/how-to-correct-personal-information-errors</link><guid isPermaLink="false">6a8e8485c25db0725b22a2f5</guid><pubDate>Wed, 26 Aug 2026 06:15:34 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/802c46_73ebe425d7be4557bfdccf791b247be7~mv2.webp/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Jacob O&apos;Brien</dc:creator></item><item><title><![CDATA[How to Remove Old Debt From Your Credit Report]]></title><description><![CDATA[Learn how to remove old debt from a credit report by checking reporting dates, disputing errors, handling collections, and rebuilding credit responsibly.]]></description><link>https://www.credit-repair101.com/post/how-to-remove-old-debt-from-your-credit-report</link><guid isPermaLink="false">6a8be02016311e234319d7d9</guid><pubDate>Mon, 24 Aug 2026 06:09:37 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/802c46_03dd19a7169143be9aed68bf939a48e5~mv2.webp/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Jacob O&apos;Brien</dc:creator></item><item><title><![CDATA[Goodwill Letter Writing Guide for Late Payments]]></title><description><![CDATA[Use this goodwill letter writing guide to request relief for a late payment, set realistic expectations, and protect your path to stronger credit ahead.]]></description><link>https://www.credit-repair101.com/post/goodwill-letter-writing-guide-for-late-payments</link><guid isPermaLink="false">6a893d26d586cd2fd66319a5</guid><pubDate>Sat, 22 Aug 2026 06:09:42 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/802c46_98f588414cc14cf5a1589b841aaa7ef6~mv2.webp/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Jacob O&apos;Brien</dc:creator></item><item><title><![CDATA[Collection Removal Before a Mortgage: What to Know]]></title><description><![CDATA[Considering collection removal before mortgage approval? Learn when disputes, settlements, and credit rebuilding may improve your home loan options today.]]></description><link>https://www.credit-repair101.com/post/collection-removal-before-a-mortgage-what-to-know</link><guid isPermaLink="false">6a868748e087e30b37e5ea8d</guid><pubDate>Thu, 20 Aug 2026 04:49:13 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/802c46_9e762c4408604d72a8a7cd996dd1d753~mv2.webp/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Jacob O&apos;Brien</dc:creator></item><item><title><![CDATA[Credit Reporting: What Lenders See and Why It Matters]]></title><description><![CDATA[Credit reporting affects approvals, rates, and rentals. Learn how reports work, how to spot errors, and how to build a stronger profile with confidence.]]></description><link>https://www.credit-repair101.com/post/credit-reporting-what-lenders-see-and-why-it-matters</link><guid isPermaLink="false">6a83e638becb69ff147f4cfe</guid><pubDate>Tue, 18 Aug 2026 04:57:28 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/802c46_26996f0088da40a4a726012213f47344~mv2.webp/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Jacob O&apos;Brien</dc:creator></item><item><title><![CDATA[How Late Payment Goodwill Letters Can Help]]></title><description><![CDATA[Late payment goodwill letters may help remove a one-time late mark. Learn when to ask, what to say, and how to build healthy payment habits after a setback.]]></description><link>https://www.credit-repair101.com/post/how-late-payment-goodwill-letters-can-help</link><guid isPermaLink="false">6a815b3d0d24f7afd0f21d27</guid><pubDate>Sun, 16 Aug 2026 06:39:58 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/802c46_9892b80223a6485f858e87d52d9d3d98~mv2.webp/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Jacob O&apos;Brien</dc:creator></item><item><title><![CDATA[How a Personalized Credit Rebuilding Plan Works]]></title><description><![CDATA[A personalized credit rebuilding plan helps you address report errors, manage debt, and build stronger habits with clear, realistic next steps at home.]]></description><link>https://www.credit-repair101.com/post/how-a-personalized-credit-rebuilding-plan-works</link><guid isPermaLink="false">6a7ea74d52b40a07e2070358</guid><pubDate>Fri, 14 Aug 2026 05:27:41 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/802c46_8f0f0d0870114baeae5ee0bf46712e2e~mv2.webp/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Jacob O&apos;Brien</dc:creator></item><item><title><![CDATA[9 Best Credit Rebuilding Habits That Actually Help]]></title><description><![CDATA[Build better credit with the best credit rebuilding habits: accurate reports, on-time payments, lower balances, and a realistic plan that lasts for steady progress]]></description><link>https://www.credit-repair101.com/post/9-best-credit-rebuilding-habits-that-actually-help</link><guid isPermaLink="false">6a7bf62960971ea08f8f872a</guid><pubDate>Wed, 12 Aug 2026 04:27:22 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/802c46_3664b393a39e4508b62250f0ef151009~mv2.webp/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Jacob O&apos;Brien</dc:creator></item><item><title><![CDATA[Pay for Delete Versus Settlement Explained]]></title><description><![CDATA[Compare pay for delete versus settlement, their credit report impact, and smart next steps for handling collections without assumptions or surprises.]]></description><link>https://www.credit-repair101.com/post/pay-for-delete-versus-settlement-explained</link><guid isPermaLink="false">6a794b827e238b0b8ae509e6</guid><pubDate>Mon, 10 Aug 2026 03:54:42 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/802c46_3c1d083081de4fb5a2c03e30c5791255~mv2.webp/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Jacob O&apos;Brien</dc:creator></item><item><title><![CDATA[Credit Disputes: What to Challenge and How]]></title><description><![CDATA[Credit disputes can correct inaccurate reporting, but results depend on evidence. Learn what to challenge, how the process works, and what to do next.]]></description><link>https://www.credit-repair101.com/post/credit-disputes-what-to-challenge-and-how</link><guid isPermaLink="false">6a76bd8d421979b2d9733436</guid><pubDate>Sat, 08 Aug 2026 05:24:30 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/802c46_acb9ee53f9ff4ffdbf9bb9e8dcde7486~mv2.webp/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Jacob O&apos;Brien</dc:creator></item><item><title><![CDATA[How to Remove Paid Collections From Your Credit Report]]></title><description><![CDATA[Learn how to remove paid collections from your credit report when they are inaccurate, outdated, or unverifiable, and what to do when they are valid today.]]></description><link>https://www.credit-repair101.com/post/how-to-remove-paid-collections-from-your-credit-report</link><guid isPermaLink="false">6a74195e2dc76a37da39b9eb</guid><pubDate>Thu, 06 Aug 2026 05:19:27 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/802c46_7b5c4d8c00464bbc8c568fe82a372ea6~mv2.webp/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Jacob O&apos;Brien</dc:creator></item></channel></rss>