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    <title>topic Looking to improve my scores in General Credit Topics</title>
    <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/Looking-to-improve-my-scores/m-p/2195601#M174517</link>
    <description>&lt;P&gt;How can I improve my credit scores?&amp;nbsp; I am just like Robinson in credit ocean.&amp;nbsp; Do not understand these letters:&amp;nbsp;TU EX; etc.&amp;nbsp; I got 1 VS from BOA. That's all.&lt;/P&gt;&lt;P&gt;Can I buy Wal-Mart Layaway then apply store card to improve.&amp;nbsp; How many store cards I need!!!&lt;/P&gt;&lt;P&gt;I need help quick.&amp;nbsp; Thanks.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;</description>
    <pubDate>Thu, 06 Jun 2013 01:27:44 GMT</pubDate>
    <dc:creator>Anonymous</dc:creator>
    <dc:date>2013-06-06T01:27:44Z</dc:date>
    <item>
      <title>Looking to improve my scores</title>
      <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/Looking-to-improve-my-scores/m-p/2195601#M174517</link>
      <description>&lt;P&gt;How can I improve my credit scores?&amp;nbsp; I am just like Robinson in credit ocean.&amp;nbsp; Do not understand these letters:&amp;nbsp;TU EX; etc.&amp;nbsp; I got 1 VS from BOA. That's all.&lt;/P&gt;&lt;P&gt;Can I buy Wal-Mart Layaway then apply store card to improve.&amp;nbsp; How many store cards I need!!!&lt;/P&gt;&lt;P&gt;I need help quick.&amp;nbsp; Thanks.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Thu, 06 Jun 2013 01:27:44 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/General-Credit-Topics/Looking-to-improve-my-scores/m-p/2195601#M174517</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2013-06-06T01:27:44Z</dc:date>
    </item>
    <item>
      <title>Re: Looking to improve my scores</title>
      <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/Looking-to-improve-my-scores/m-p/2195797#M174518</link>
      <description>&lt;P&gt;Welcome to the forums!&amp;nbsp;OP, I split your post to form a new one here. I had to edit the title, but changed nothing else. If you'd like to change the title, click "Options" and then "Edit Message".&lt;BR /&gt;&lt;BR /&gt;I'd suggest reading the following:&lt;BR /&gt;&lt;BR /&gt;&lt;A target="_blank" href="https://ficoforums.myfico.com/fico/board/message?board.id=rebuildingcredit&amp;amp;thread.id=584"&gt;Common Abbreviations&lt;/A&gt;&lt;BR /&gt;&lt;BR /&gt;&lt;A target="_blank" href="https://ficoforums.myfico.com/fico/board/message?board.id=ficoscoring&amp;amp;thread.id=29793"&gt;Credit Scoring 101&lt;/A&gt; - great for knowing what is in your credit score and to see how your score is impacted.&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;How recent is the BofA?&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Do you have anything negative reporting?&lt;/P&gt;</description>
      <pubDate>Thu, 06 Jun 2013 01:30:28 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/General-Credit-Topics/Looking-to-improve-my-scores/m-p/2195797#M174518</guid>
      <dc:creator>llecs</dc:creator>
      <dc:date>2013-06-06T01:30:28Z</dc:date>
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