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        <title>Financial Help  with credit counseling,Low Interest Rate Credit Card,and Credit Card Apply</title>
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       <dc:date>2009-01-07T22:57:26+01:00</dc:date>
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        <title>How Your Credit Rating Affects You, and How to Check It</title>
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        <description>Any time you get turned down for a credit card or any other loan, the chances are that it was because of your credit rating. Companies giving out small loans are far more likely to rely completely on this rating than to bother checking your income, and a worse rating will mean that you are offered a higher interest rate.</description>
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