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    <title>CR Credit 101</title>
    <link>https://stg.creditrepair.com/blog/credit-101</link>
    <description>Credit 101</description>
    <language>en</language>
    <pubDate>Mon, 14 Sep 2026 21:43:34 GMT</pubDate>
    <dc:date>2026-09-14T21:43:34Z</dc:date>
    <dc:language>en</dc:language>
    <item>
      <title>How much will a secured credit card raise my score?</title>
      <link>https://stg.creditrepair.com/blog/credit-101/how-much-will-a-secured-credit-card-raise-my-score</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://stg.creditrepair.com/blog/credit-101/how-much-will-a-secured-credit-card-raise-my-score" title="" class="hs-featured-image-link"&gt; &lt;img src="https://stg.creditrepair.com/hubfs/Imported_Blog_Media/secured-credit-card-hero-1500x500-3.jpeg" alt="How much will a secured credit card raise my score?" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://stg.creditrepair.com/blog/credit-101/how-much-will-a-secured-credit-card-raise-my-score" title="" class="hs-featured-image-link"&gt; &lt;img src="https://stg.creditrepair.com/hubfs/Imported_Blog_Media/secured-credit-card-hero-1500x500-3.jpeg" alt="How much will a secured credit card raise my score?" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=51618835&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fstg.creditrepair.com%2Fblog%2Fcredit-101%2Fhow-much-will-a-secured-credit-card-raise-my-score&amp;amp;bu=https%253A%252F%252Fstg.creditrepair.com%252Fblog%252Fcredit-101&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <pubDate>Wed, 01 Mar 2023 19:26:17 GMT</pubDate>
      <author>UpuiaSagapolu@upuiasagapolu.com (Upuia Sagapolu)</author>
      <guid>https://stg.creditrepair.com/blog/credit-101/how-much-will-a-secured-credit-card-raise-my-score</guid>
      <dc:date>2023-03-01T19:26:17Z</dc:date>
    </item>
    <item>
      <title>The 21 best finance podcasts [2023]</title>
      <link>https://stg.creditrepair.com/blog/credit-101/best-finance-podcasts</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://stg.creditrepair.com/blog/credit-101/best-finance-podcasts" title="" class="hs-featured-image-link"&gt; &lt;img src="https://stg.creditrepair.com/hubfs/Imported_Blog_Media/hero-feature_woman-on-laptop-listening-to-financial-podcast-600x200.jpeg" alt="The 21 best finance podcasts [2023]" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://stg.creditrepair.com/blog/credit-101/best-finance-podcasts" title="" class="hs-featured-image-link"&gt; &lt;img src="https://stg.creditrepair.com/hubfs/Imported_Blog_Media/hero-feature_woman-on-laptop-listening-to-financial-podcast-600x200.jpeg" alt="The 21 best finance podcasts [2023]" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=51618835&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fstg.creditrepair.com%2Fblog%2Fcredit-101%2Fbest-finance-podcasts&amp;amp;bu=https%253A%252F%252Fstg.creditrepair.com%252Fblog%252Fcredit-101&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <pubDate>Fri, 17 Feb 2023 19:22:23 GMT</pubDate>
      <author>UpuiaSagapolu@upuiasagapolu.com (Upuia Sagapolu)</author>
      <guid>https://stg.creditrepair.com/blog/credit-101/best-finance-podcasts</guid>
      <dc:date>2023-02-17T19:22:23Z</dc:date>
    </item>
    <item>
      <title>What countries use credit scores?</title>
      <link>https://stg.creditrepair.com/blog/credit-101/what-countries-use-credit-scores</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://stg.creditrepair.com/blog/credit-101/what-countries-use-credit-scores" title="" class="hs-featured-image-link"&gt; &lt;img src="https://stg.creditrepair.com/hubfs/Imported_Blog_Media/3_What-countries-use-credit-scores_.png" alt="What countries use credit scores?" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://stg.creditrepair.com/blog/credit-101/what-countries-use-credit-scores" title="" class="hs-featured-image-link"&gt; &lt;img src="https://stg.creditrepair.com/hubfs/Imported_Blog_Media/3_What-countries-use-credit-scores_.png" alt="What countries use credit scores?" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=51618835&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fstg.creditrepair.com%2Fblog%2Fcredit-101%2Fwhat-countries-use-credit-scores&amp;amp;bu=https%253A%252F%252Fstg.creditrepair.com%252Fblog%252Fcredit-101&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <pubDate>Wed, 01 Feb 2023 21:47:55 GMT</pubDate>
      <author>RequiaGray@requiagray.com (Requia Gray)</author>
      <guid>https://stg.creditrepair.com/blog/credit-101/what-countries-use-credit-scores</guid>
      <dc:date>2023-02-01T21:47:55Z</dc:date>
    </item>
    <item>
      <title>What is credit card piggybacking?</title>
      <link>https://stg.creditrepair.com/blog/credit-101/credit-piggybacking</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://stg.creditrepair.com/blog/credit-101/credit-piggybacking" title="" class="hs-featured-image-link"&gt; &lt;img src="https://stg.creditrepair.com/hubfs/Imported_Blog_Media/Artboard-21_header-1.jpeg" alt="What is credit card piggybacking?" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://stg.creditrepair.com/blog/credit-101/credit-piggybacking" title="" class="hs-featured-image-link"&gt; &lt;img src="https://stg.creditrepair.com/hubfs/Imported_Blog_Media/Artboard-21_header-1.jpeg" alt="What is credit card piggybacking?" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=51618835&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fstg.creditrepair.com%2Fblog%2Fcredit-101%2Fcredit-piggybacking&amp;amp;bu=https%253A%252F%252Fstg.creditrepair.com%252Fblog%252Fcredit-101&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <pubDate>Wed, 14 Dec 2022 16:05:36 GMT</pubDate>
      <author>JenniferWills@jenniferwills.com (Jennifer Wills)</author>
      <guid>https://stg.creditrepair.com/blog/credit-101/credit-piggybacking</guid>
      <dc:date>2022-12-14T16:05:36Z</dc:date>
    </item>
    <item>
      <title>How to build credit without a credit card [11 easy ways]</title>
      <link>https://stg.creditrepair.com/blog/credit-101/how-to-build-credit-without-credit-card</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://stg.creditrepair.com/blog/credit-101/how-to-build-credit-without-credit-card" title="" class="hs-featured-image-link"&gt; &lt;img src="https://stg.creditrepair.com/hubfs/Imported_Blog_Media/build-credit-without-credit-card-featured-1.png" alt="How to build credit without a credit card [11 easy ways]" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://stg.creditrepair.com/blog/credit-101/how-to-build-credit-without-credit-card" title="" class="hs-featured-image-link"&gt; &lt;img src="https://stg.creditrepair.com/hubfs/Imported_Blog_Media/build-credit-without-credit-card-featured-1.png" alt="How to build credit without a credit card [11 easy ways]" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=51618835&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fstg.creditrepair.com%2Fblog%2Fcredit-101%2Fhow-to-build-credit-without-credit-card&amp;amp;bu=https%253A%252F%252Fstg.creditrepair.com%252Fblog%252Fcredit-101&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <pubDate>Thu, 01 Dec 2022 19:12:36 GMT</pubDate>
      <author>MelissaCollins@melissacollins.com (Melissa Collins)</author>
      <guid>https://stg.creditrepair.com/blog/credit-101/how-to-build-credit-without-credit-card</guid>
      <dc:date>2022-12-01T19:12:36Z</dc:date>
    </item>
    <item>
      <title>How often are credit scores updated?</title>
      <link>https://stg.creditrepair.com/blog/credit-101/how-often-are-credit-scores-updated</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://stg.creditrepair.com/blog/credit-101/how-often-are-credit-scores-updated" title="" class="hs-featured-image-link"&gt; &lt;img src="https://stg.creditrepair.com/hubfs/Imported_Blog_Media/hero-feature_woman-checking-updated-credit-score-filing-documents.jpeg" alt="How often are credit scores updated?" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://stg.creditrepair.com/blog/credit-101/how-often-are-credit-scores-updated" title="" class="hs-featured-image-link"&gt; &lt;img src="https://stg.creditrepair.com/hubfs/Imported_Blog_Media/hero-feature_woman-checking-updated-credit-score-filing-documents.jpeg" alt="How often are credit scores updated?" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=51618835&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fstg.creditrepair.com%2Fblog%2Fcredit-101%2Fhow-often-are-credit-scores-updated&amp;amp;bu=https%253A%252F%252Fstg.creditrepair.com%252Fblog%252Fcredit-101&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <pubDate>Mon, 07 Nov 2022 21:00:12 GMT</pubDate>
      <guid>https://stg.creditrepair.com/blog/credit-101/how-often-are-credit-scores-updated</guid>
      <dc:date>2022-11-07T21:00:12Z</dc:date>
      <dc:creator>Anthony Moore</dc:creator>
    </item>
    <item>
      <title>How to cancel a credit card safely (in five steps)</title>
      <link>https://stg.creditrepair.com/blog/credit-101/how-to-cancel-a-card</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://stg.creditrepair.com/blog/credit-101/how-to-cancel-a-card" title="" class="hs-featured-image-link"&gt; &lt;img src="https://stg.creditrepair.com/hubfs/Imported_Blog_Media/image-3-Sep-11-2025-03-54-32-0778-PM.png" alt="How to cancel a credit card safely (in five steps)" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://stg.creditrepair.com/blog/credit-101/how-to-cancel-a-card" title="" class="hs-featured-image-link"&gt; &lt;img src="https://stg.creditrepair.com/hubfs/Imported_Blog_Media/image-3-Sep-11-2025-03-54-32-0778-PM.png" alt="How to cancel a credit card safely (in five steps)" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=51618835&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fstg.creditrepair.com%2Fblog%2Fcredit-101%2Fhow-to-cancel-a-card&amp;amp;bu=https%253A%252F%252Fstg.creditrepair.com%252Fblog%252Fcredit-101&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <pubDate>Wed, 05 Oct 2022 20:12:13 GMT</pubDate>
      <author>MakedaJackson@makedajackson.com (Makeda Jackson)</author>
      <guid>https://stg.creditrepair.com/blog/credit-101/how-to-cancel-a-card</guid>
      <dc:date>2022-10-05T20:12:13Z</dc:date>
    </item>
    <item>
      <title>What bills help build credit?</title>
      <link>https://stg.creditrepair.com/blog/credit-101/bills-build-credit</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://stg.creditrepair.com/blog/credit-101/bills-build-credit" title="" class="hs-featured-image-link"&gt; &lt;img src="https://stg.creditrepair.com/hubfs/Imported_Blog_Media/What-bills-help-build-credit.png" alt="What bills help build credit?" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://stg.creditrepair.com/blog/credit-101/bills-build-credit" title="" class="hs-featured-image-link"&gt; &lt;img src="https://stg.creditrepair.com/hubfs/Imported_Blog_Media/What-bills-help-build-credit.png" alt="What bills help build credit?" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=51618835&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fstg.creditrepair.com%2Fblog%2Fcredit-101%2Fbills-build-credit&amp;amp;bu=https%253A%252F%252Fstg.creditrepair.com%252Fblog%252Fcredit-101&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <pubDate>Thu, 21 Jul 2022 17:34:29 GMT</pubDate>
      <author>JenniferWills@jenniferwills.com (Jennifer Wills)</author>
      <guid>https://stg.creditrepair.com/blog/credit-101/bills-build-credit</guid>
      <dc:date>2022-07-21T17:34:29Z</dc:date>
    </item>
    <item>
      <title>How to freeze your credit report for free</title>
      <link>https://stg.creditrepair.com/blog/credit-101/how-to-freeze-your-credit</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://stg.creditrepair.com/blog/credit-101/how-to-freeze-your-credit" title="" class="hs-featured-image-link"&gt; &lt;img src="https://stg.creditrepair.com/hubfs/how-to-freeze-your-credit-report-featured-1.webp" alt="How to freeze your credit report for free" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://stg.creditrepair.com/blog/credit-101/how-to-freeze-your-credit" title="" class="hs-featured-image-link"&gt; &lt;img src="https://stg.creditrepair.com/hubfs/how-to-freeze-your-credit-report-featured-1.webp" alt="How to freeze your credit report for free" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=51618835&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fstg.creditrepair.com%2Fblog%2Fcredit-101%2Fhow-to-freeze-your-credit&amp;amp;bu=https%253A%252F%252Fstg.creditrepair.com%252Fblog%252Fcredit-101&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <pubDate>Thu, 21 Jul 2022 00:00:00 GMT</pubDate>
      <guid>https://stg.creditrepair.com/blog/credit-101/how-to-freeze-your-credit</guid>
      <dc:date>2022-07-21T00:00:00Z</dc:date>
      <dc:creator>Anthony Moore</dc:creator>
    </item>
    <item>
      <title>Credit utilization: what it is and what you need to know</title>
      <link>https://stg.creditrepair.com/blog/credit-101/credit-utilization</link>
      <description>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://stg.creditrepair.com/blog/credit-101/credit-utilization" title="" class="hs-featured-image-link"&gt; &lt;img src="https://stg.creditrepair.com/hubfs/CR/Blog%20images/credit%20utilization/Hero-feature-credit-utilization-woman-buying-coffee-card.jpeg" alt="Credit utilization: what it is and what you need to know" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt;</description>
      <content:encoded>&lt;div class="hs-featured-image-wrapper"&gt; 
 &lt;a href="https://stg.creditrepair.com/blog/credit-101/credit-utilization" title="" class="hs-featured-image-link"&gt; &lt;img src="https://stg.creditrepair.com/hubfs/CR/Blog%20images/credit%20utilization/Hero-feature-credit-utilization-woman-buying-coffee-card.jpeg" alt="Credit utilization: what it is and what you need to know" class="hs-featured-image" style="width:auto !important; max-width:50%; float:left; margin:0 15px 15px 0;"&gt; &lt;/a&gt; 
&lt;/div&gt;  
&lt;img src="https://track.hubspot.com/__ptq.gif?a=51618835&amp;amp;k=14&amp;amp;r=https%3A%2F%2Fstg.creditrepair.com%2Fblog%2Fcredit-101%2Fcredit-utilization&amp;amp;bu=https%253A%252F%252Fstg.creditrepair.com%252Fblog%252Fcredit-101&amp;amp;bvt=rss" alt="" width="1" height="1" style="min-height:1px!important;width:1px!important;border-width:0!important;margin-top:0!important;margin-bottom:0!important;margin-right:0!important;margin-left:0!important;padding-top:0!important;padding-bottom:0!important;padding-right:0!important;padding-left:0!important; "&gt;</content:encoded>
      <pubDate>Mon, 13 Jun 2022 00:00:00 GMT</pubDate>
      <author>PamelaElkins@pamelaelkins.com (Pamela Elkins)</author>
      <guid>https://stg.creditrepair.com/blog/credit-101/credit-utilization</guid>
      <dc:date>2022-06-13T00:00:00Z</dc:date>
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