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    <title>topic Re: Credit Debt in Rebuilding Your Credit</title>
    <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Credit-Debt/m-p/1383615#M185333</link>
    <description>&lt;P&gt;Welcome to the forums!&amp;nbsp; &lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;I would recommend reading all the stickied threads in the Rebuilding Your Credit forum.&amp;nbsp; They are very informative &amp;amp; will give you a starting point for better understanding your situation.&lt;/P&gt;</description>
    <pubDate>Thu, 03 May 2012 18:50:49 GMT</pubDate>
    <dc:creator>laz98</dc:creator>
    <dc:date>2012-05-03T18:50:49Z</dc:date>
    <item>
      <title>Credit Debt</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Credit-Debt/m-p/1383575#M185330</link>
      <description>&lt;P&gt;Hello, I am 20 years old and when I turned 18 I messed up my Credit. Now I am at a 484 according to FICO. How can I start to repair this? I start college in the fall, PLEASE HELP!&lt;/P&gt;</description>
      <pubDate>Thu, 03 May 2012 18:34:05 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Credit-Debt/m-p/1383575#M185330</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2012-05-03T18:34:05Z</dc:date>
    </item>
    <item>
      <title>Re: Credit Debt</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Credit-Debt/m-p/1383585#M185331</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymous wrote:&lt;BR /&gt;&lt;P&gt;Hello, I am 20 years old and when I turned 18 I messed up my Credit. Now I am at a 484 according to FICO. How can I start to repair this? I start college in the fall, PLEASE HELP!&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Hello and welcome.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;I'm going to move your post to the Rebuilding Your Credit board.&lt;/P&gt;</description>
      <pubDate>Thu, 03 May 2012 18:38:45 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Credit-Debt/m-p/1383585#M185331</guid>
      <dc:creator>MarineVietVet</dc:creator>
      <dc:date>2012-05-03T18:38:45Z</dc:date>
    </item>
    <item>
      <title>Re: Credit Debt</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Credit-Debt/m-p/1383615#M185333</link>
      <description>&lt;P&gt;Welcome to the forums!&amp;nbsp; &lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;I would recommend reading all the stickied threads in the Rebuilding Your Credit forum.&amp;nbsp; They are very informative &amp;amp; will give you a starting point for better understanding your situation.&lt;/P&gt;</description>
      <pubDate>Thu, 03 May 2012 18:50:49 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Credit-Debt/m-p/1383615#M185333</guid>
      <dc:creator>laz98</dc:creator>
      <dc:date>2012-05-03T18:50:49Z</dc:date>
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