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    <title>topic Re: + 21 in Rebuilding Your Credit</title>
    <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/21/m-p/1782072#M227060</link>
    <description>&lt;P&gt;Nice work!!&lt;/P&gt;</description>
    <pubDate>Thu, 03 Jan 2013 04:27:02 GMT</pubDate>
    <dc:creator>NewbieReed</dc:creator>
    <dc:date>2013-01-03T04:27:02Z</dc:date>
    <item>
      <title>+ 21</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/21/m-p/1781506#M226999</link>
      <description>&lt;P&gt;&lt;FONT size="2" color="#003300"&gt;&lt;STRONG&gt;Got this&lt;FONT size="2"&gt; alert when I got up this evening &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;/FONT&gt;&lt;/STRONG&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT size="2" color="#003300"&gt;&lt;STRONG&gt;&lt;FONT size="2"&gt;&amp;nbsp;&lt;/FONT&gt;&lt;/STRONG&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT size="2" color="#003300"&gt;&lt;STRONG&gt;&lt;FONT size="2"&gt;&amp;nbsp;&lt;/FONT&gt;&lt;/STRONG&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;TABLE border="0" cellspacing="0" cellpadding="0"&gt;&lt;TBODY&gt;&lt;TR&gt;&lt;TD&gt;&lt;STRONG&gt;Alert:&lt;/STRONG&gt;&lt;/TD&gt;&lt;TD&gt;Your FICO® score has exceeded your target score of 624&lt;/TD&gt;&lt;/TR&gt;&lt;/TBODY&gt;&lt;/TABLE&gt;&lt;P&gt;Score Watch alert/Changes to your FICO® Score&lt;/P&gt;&lt;TABLE cellspacing="5" border="0" cellpadding="0"&gt;&lt;TBODY&gt;&lt;TR&gt;&lt;TD&gt;&lt;IMG src="https://www.myfico.com/images/scorewatch/alertdetails_icon_arrowup.gif" border="0" align="absmiddle" height="22" width="22" /&gt;&lt;/TD&gt;&lt;TD&gt;Your FICO® score &lt;SPAN&gt;has gone up&lt;/SPAN&gt; to &lt;SPAN&gt;645&lt;/SPAN&gt; on &lt;SPAN&gt;January 2, 2013&lt;/SPAN&gt;.&lt;/TD&gt;&lt;/TR&gt;&lt;/TBODY&gt;&lt;/TABLE&gt;&lt;TABLE cellspacing="5" border="0" cellpadding="0"&gt;&lt;TBODY&gt;&lt;TR&gt;&lt;TD&gt;&lt;IMG src="https://www.myfico.com/images/scorewatch/alertdetails_icon_tar.gif" border="0" align="absmiddle" height="22" width="22" /&gt;&lt;/TD&gt;&lt;TD&gt;&lt;STRONG&gt;Target score alert:&lt;/STRONG&gt;&lt;/TD&gt;&lt;TD&gt;Your FICO® score has &lt;SPAN&gt;exceeded&lt;/SPAN&gt; your target score of &lt;SPAN&gt;624&lt;/SPAN&gt;.&lt;/TD&gt;&lt;/TR&gt;&lt;/TBODY&gt;&lt;/TABLE&gt;&lt;P&gt;&lt;FONT color="#003300" size="2"&gt;&lt;STRONG&gt;&lt;FONT size="2"&gt;&lt;SPAN&gt;&lt;SPAN&gt;Your FICO score may have gone up because the following 4 factors are not hurting your FICO score as much as before:&lt;BR /&gt;&lt;BR /&gt;&lt;/SPAN&gt;&lt;/SPAN&gt;&lt;/FONT&gt;&lt;/STRONG&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;UL&gt;&lt;LI&gt;You’ve recently missed a payment or the date of your most recent missed payment is unknown.&lt;/LI&gt;&lt;LI&gt;You’ve recently missed a payment or the date of your most recent missed payment is unknown.&lt;/LI&gt;&lt;LI&gt;You’ve recently missed a payment or the date of your most recent missed payment is unknown.&lt;/LI&gt;&lt;LI&gt;You’ve recently missed a payment or the date of your most recent missed payment is unknown.&lt;/LI&gt;&lt;/UL&gt;&lt;P&gt;&lt;FONT color="#003300" size="2"&gt;&lt;STRONG&gt;&lt;FONT size="2"&gt;&amp;nbsp;&lt;/FONT&gt;&lt;/STRONG&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT color="#003300" size="2"&gt;&lt;STRONG&gt;&lt;FONT size="2"&gt;&amp;nbsp;&lt;/FONT&gt;&lt;/STRONG&gt;&lt;/FONT&gt;&lt;/P&gt;</description>
      <pubDate>Thu, 03 Jan 2013 01:27:26 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/21/m-p/1781506#M226999</guid>
      <dc:creator>hoping2rebuild</dc:creator>
      <dc:date>2013-01-03T01:27:26Z</dc:date>
    </item>
    <item>
      <title>Re: + 21</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/21/m-p/1781582#M227012</link>
      <description>&lt;P&gt;Nice increase! Congrats!&lt;/P&gt;</description>
      <pubDate>Thu, 03 Jan 2013 01:50:37 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/21/m-p/1781582#M227012</guid>
      <dc:creator>space10</dc:creator>
      <dc:date>2013-01-03T01:50:37Z</dc:date>
    </item>
    <item>
      <title>Re: + 21</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/21/m-p/1781644#M227020</link>
      <description>&lt;P&gt;Nice bump. &amp;nbsp;Congrats!&lt;/P&gt;</description>
      <pubDate>Thu, 03 Jan 2013 02:19:14 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/21/m-p/1781644#M227020</guid>
      <dc:creator>Shogun</dc:creator>
      <dc:date>2013-01-03T02:19:14Z</dc:date>
    </item>
    <item>
      <title>Re: + 21</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/21/m-p/1781780#M227030</link>
      <description>&lt;P&gt;&lt;FONT size="2" color="#003366"&gt;&lt;STRONG&gt;Tha&lt;FONT size="2"&gt;nk You&lt;/FONT&gt;&lt;BR /&gt;&lt;/STRONG&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT size="2" color="#003366"&gt;&lt;STRONG&gt;Both of the SW ale&lt;FONT size="2"&gt;rts I &lt;FONT size="2"&gt;have gotten in the last few days have given this reason:&amp;nbsp; why is it l&lt;FONT size="2"&gt;isting the same thing all 4 times?&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/STRONG&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT size="2" color="#003366"&gt;&lt;STRONG&gt;&lt;FONT size="2"&gt;&lt;FONT size="2"&gt;&amp;nbsp;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/STRONG&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT size="2" color="#003366"&gt;&lt;STRONG&gt;&lt;FONT size="2"&gt;&lt;FONT size="2"&gt;&amp;nbsp;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/STRONG&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT size="2" color="#003300"&gt;&lt;STRONG&gt;&lt;FONT size="2"&gt;&lt;SPAN&gt;&lt;SPAN&gt;Your FICO score may have gone up because the following 4 factors are not hurting your FICO score as much as before:&lt;BR /&gt;&lt;BR /&gt;&lt;/SPAN&gt;&lt;/SPAN&gt;&lt;/FONT&gt;&lt;/STRONG&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;UL&gt;&lt;LI&gt;You’ve recently missed a payment or the date of your most recent missed payment is unknown.&lt;/LI&gt;&lt;LI&gt;You’ve recently missed a payment or the date of your most recent missed payment is unknown.&lt;/LI&gt;&lt;LI&gt;You’ve recently missed a payment or the date of your most recent missed payment is unknown.&lt;/LI&gt;&lt;LI&gt;You’ve recently missed a payment or the date of your most recent missed payment is unknown&lt;/LI&gt;&lt;/UL&gt;&lt;P&gt;&lt;FONT size="2" color="#003366"&gt;&lt;STRONG&gt;&lt;FONT size="2"&gt;&lt;FONT size="2"&gt;&amp;nbsp;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/STRONG&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT size="2" color="#003366"&gt;&lt;STRONG&gt;&lt;FONT size="2"&gt;&lt;FONT size="2"&gt;&amp;nbsp;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/STRONG&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT size="2" color="#003366"&gt;&lt;STRONG&gt;&lt;FONT size="2"&gt;&lt;FONT size="2"&gt;&amp;nbsp;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/STRONG&gt;&lt;/FONT&gt;&lt;/P&gt;</description>
      <pubDate>Thu, 03 Jan 2013 02:55:35 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/21/m-p/1781780#M227030</guid>
      <dc:creator>hoping2rebuild</dc:creator>
      <dc:date>2013-01-03T02:55:35Z</dc:date>
    </item>
    <item>
      <title>Re: + 21</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/21/m-p/1781836#M227033</link>
      <description>Congrats on the increase!</description>
      <pubDate>Thu, 03 Jan 2013 03:17:05 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/21/m-p/1781836#M227033</guid>
      <dc:creator>Epcot</dc:creator>
      <dc:date>2013-01-03T03:17:05Z</dc:date>
    </item>
    <item>
      <title>Re: + 21</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/21/m-p/1781876#M227038</link>
      <description>&lt;P&gt;Maybe it's referring to 4 different lates or it's just some sort of error. Regardless, that's a nice bump. Congrats!&lt;/P&gt;</description>
      <pubDate>Thu, 03 Jan 2013 03:32:50 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/21/m-p/1781876#M227038</guid>
      <dc:creator>sphinx313</dc:creator>
      <dc:date>2013-01-03T03:32:50Z</dc:date>
    </item>
    <item>
      <title>Re: + 21</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/21/m-p/1782066#M227058</link>
      <description>&lt;P&gt;Congrats&lt;/P&gt;</description>
      <pubDate>Thu, 03 Jan 2013 04:26:12 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/21/m-p/1782066#M227058</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2013-01-03T04:26:12Z</dc:date>
    </item>
    <item>
      <title>Re: + 21</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/21/m-p/1782072#M227060</link>
      <description>&lt;P&gt;Nice work!!&lt;/P&gt;</description>
      <pubDate>Thu, 03 Jan 2013 04:27:02 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/21/m-p/1782072#M227060</guid>
      <dc:creator>NewbieReed</dc:creator>
      <dc:date>2013-01-03T04:27:02Z</dc:date>
    </item>
    <item>
      <title>Re: + 21</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/21/m-p/1782326#M227085</link>
      <description>&lt;P&gt;Congrats!&lt;/P&gt;</description>
      <pubDate>Thu, 03 Jan 2013 06:12:56 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/21/m-p/1782326#M227085</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2013-01-03T06:12:56Z</dc:date>
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