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    <title>topic Newbie in General Credit Topics</title>
    <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/Newbie/m-p/205875#M96004</link>
    <description>&lt;DIV&gt;Hey, I'm a newbie here to the fico forum.&amp;nbsp; I am a 27 year old male, wanting to get information on how, what, when, where, why to repair my credit situation.&amp;nbsp; I have pulled my credit before and worked with credit monitoring services.&amp;nbsp; I am currenly paying for freecreditreport.com, but feel it is a waste.&amp;nbsp; What do you guys recommend to start off with, which product so that I can start repairing my credit.&amp;nbsp; Thanks in advance.&amp;nbsp; From the hour I have spent on here, it seems really helpful, to whoever is maintaining the forum, good job, keep up the good work, maybe one day&amp;nbsp;I can contribute and help someone out.&amp;nbsp;&lt;/DIV&gt;</description>
    <pubDate>Wed, 09 Apr 2008 05:43:37 GMT</pubDate>
    <dc:creator>Anonymous</dc:creator>
    <dc:date>2008-04-09T05:43:37Z</dc:date>
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      <title>Newbie</title>
      <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/Newbie/m-p/205875#M96004</link>
      <description>&lt;DIV&gt;Hey, I'm a newbie here to the fico forum.&amp;nbsp; I am a 27 year old male, wanting to get information on how, what, when, where, why to repair my credit situation.&amp;nbsp; I have pulled my credit before and worked with credit monitoring services.&amp;nbsp; I am currenly paying for freecreditreport.com, but feel it is a waste.&amp;nbsp; What do you guys recommend to start off with, which product so that I can start repairing my credit.&amp;nbsp; Thanks in advance.&amp;nbsp; From the hour I have spent on here, it seems really helpful, to whoever is maintaining the forum, good job, keep up the good work, maybe one day&amp;nbsp;I can contribute and help someone out.&amp;nbsp;&lt;/DIV&gt;</description>
      <pubDate>Wed, 09 Apr 2008 05:43:37 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/General-Credit-Topics/Newbie/m-p/205875#M96004</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2008-04-09T05:43:37Z</dc:date>
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    <item>
      <title>Re: Newbie</title>
      <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/Newbie/m-p/205895#M96015</link>
      <description>&lt;DIV&gt;Most of us one here I think use the TrueCredit monitoring.&amp;nbsp; Gives you 3in1 reports that you can pull everyday.&amp;nbsp; Lets you see what you still need to work on.&amp;nbsp; Just don't give too much sway to the scores there, they're what are called FAKOs.&amp;nbsp; They aren't true FICO scores and can be quite a ways off the mark.&amp;nbsp; If you want your true FICOs, the only place to get them is here from myFICO.&lt;/DIV&gt;</description>
      <pubDate>Wed, 09 Apr 2008 06:34:40 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/General-Credit-Topics/Newbie/m-p/205895#M96015</guid>
      <dc:creator>dragnldy</dc:creator>
      <dc:date>2008-04-09T06:34:40Z</dc:date>
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