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    <title>topic My Debt Utilization down to 3%, score still unchanged in General Credit Topics</title>
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    <description>Moved to Understanding FICO Scoring.</description>
    <pubDate>Fri, 25 May 2012 11:40:28 GMT</pubDate>
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      <title>My Debt Utilization down to 3%, score still unchanged</title>
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      <description>Moved to Understanding FICO Scoring.</description>
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      <dc:date>2012-05-25T11:40:28Z</dc:date>
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