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	<title>Best Mortgages &#38; Homes &#187; credit repair</title>
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		<title>Understanding Your Credit Score &#8211; No Credit, Slow Credit Or Bad Credit</title>
		<link>http://www.bestmortgagehomes.com/understanding-your-credit-score-no-credit-slow-credit-or-bad-credit/</link>
		<comments>http://www.bestmortgagehomes.com/understanding-your-credit-score-no-credit-slow-credit-or-bad-credit/#comments</comments>
		<pubDate>Mon, 08 Mar 2010 11:42:30 +0000</pubDate>
		<dc:creator>Jason P Bertrand</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[bad credit]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[good credit]]></category>
		<category><![CDATA[Mortgages]]></category>

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		<description><![CDATA[Slow credit is defined by someone who does pay there bills but has some delinquency payments, just paying a little slower than when they are due. Late payments affect your credit based on the severity. Reporting agencies base there scoring on multiples of thirty days. If the due date on ones credit card is January 15th, and the payment is made by February 14th, there may be a late fee from the card company but it will not show as a mark against the credit file. If that payment comes in after February 14th it will be considered a 30 day late payments and will show as a negative mark against the score. This type of slow payment puts a red flag up for a lender. There would be an additional mark if that payment came in after 60 days, again after 90 and again after 120 days late. Once an account reaches 120 days late the card company will generally forward that account to collections. It is very important to realize that delinquencies on different types of accounts are considered more severe than others. A late payment on ones mortgage is considered much more severe than one on a card. Installment loans fall in between revolving debt and mortgage debt. Slow credit is simply a person that has made some late payments but has been able to get those accounts current and has had relatively few delinquencies. In addition slow payment is different than a bad payment history.]]></description>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>Loans for Christmas Shopping?</title>
		<link>http://www.bestmortgagehomes.com/cash-advances-for-christmas-shopping-good-idea-or-not/</link>
		<comments>http://www.bestmortgagehomes.com/cash-advances-for-christmas-shopping-good-idea-or-not/#comments</comments>
		<pubDate>Sat, 26 Dec 2009 11:21:26 +0000</pubDate>
		<dc:creator>Owen Jones</dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[car loan]]></category>
		<category><![CDATA[cash advance]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debt consolidation]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[food]]></category>
		<category><![CDATA[Loans]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[other]]></category>
		<category><![CDATA[Shopping]]></category>

		<guid isPermaLink="false">http://www.bestmortgagehomes.com/cash-advances-for-christmas-shopping-good-idea-or-not/</guid>
		<description><![CDATA[When the Christmas celebrations come around, it is a time once again for the giving and receiving of gifts between friends, family and colleagues. The way it usually works is that if you see an item that you know someone you love or like very much or something that they have wanted for a long time, then you will consider buying it for them as a gift to be given at or around Christmas, depending where your family originates from, because not all Christian countries give Christmas gifts on the same day.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Credit Repair Help &#8211; Why Is It Important?</title>
		<link>http://www.bestmortgagehomes.com/credit-repair-help-why-is-it-important/</link>
		<comments>http://www.bestmortgagehomes.com/credit-repair-help-why-is-it-important/#comments</comments>
		<pubDate>Mon, 16 Nov 2009 08:44:33 +0000</pubDate>
		<dc:creator>Simon Myring</dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[bad credit repair]]></category>
		<category><![CDATA[business]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[Debt Advice]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[lifestyle]]></category>
		<category><![CDATA[Loans]]></category>
		<category><![CDATA[Money]]></category>

		<guid isPermaLink="false">http://www.bestmortgagehomes.com/credit-repair-help-why-is-it-important/</guid>
		<description><![CDATA[In monetarily chaotic times having a first-rate credit rating is essential. Your credit rating will determines whether you will get credit, and at what rate of interest. Poor credit ratings or low credit scores without doubt mean that you may be refused a credit or loan facility, be penalized financially and typically required to pay steeper interest rates than someone with a first-class credit score]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Eliminating Debt in 5 Easy Steps</title>
		<link>http://www.bestmortgagehomes.com/eliminating-debt-in-5-easy-steps-2/</link>
		<comments>http://www.bestmortgagehomes.com/eliminating-debt-in-5-easy-steps-2/#comments</comments>
		<pubDate>Thu, 24 Sep 2009 11:53:19 +0000</pubDate>
		<dc:creator>John Major</dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[bad credit]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[debt consolidation]]></category>
		<category><![CDATA[debt elimination]]></category>
		<category><![CDATA[debt free]]></category>
		<category><![CDATA[fix credit]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[home]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://www.bestmortgagehomes.com/eliminating-debt-in-5-easy-steps-2/</guid>
		<description><![CDATA[Deep in the wallet there is going to be debt. The idea of debt is installed in children from the earliest of ages. They see television commercials promising that new car for a cheap monthly payment making the need for debt elimination real from the early years. They grow up in a home that requires a mortgage to purchase. Nearly everything around is charged on a card to a bank in order to live the lifestyle we see as comfortable. The growth of debt leads to the ever growing necessity of debt elimination and a debt free life.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>What Everybody Should Know about the $8,000 Tax Credit</title>
		<link>http://www.bestmortgagehomes.com/what-everybody-should-know-about-the-8000-tax-credit/</link>
		<comments>http://www.bestmortgagehomes.com/what-everybody-should-know-about-the-8000-tax-credit/#comments</comments>
		<pubDate>Sun, 20 Sep 2009 10:22:42 +0000</pubDate>
		<dc:creator>Wendy Polisi</dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[credit help]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[Tax Credit]]></category>

		<guid isPermaLink="false">http://www.bestmortgagehomes.com/what-everybody-should-know-about-the-8000-tax-credit/</guid>
		<description><![CDATA[The Obama administrations economic stimulus package provided for many things including a tax credit for homebuyers who qualify as first-time buyers.  This tax credit would equal either 10% of the homes value or $8000, depending on which amount is less.  This portion of the stimulus package was included in an effort to energize the real estate businesses by giving homebuyers a good reason to invest in new homes before December 1, 2009.  This is good news for people considering a home purchase and more particularly in areas where home values have already reached the bottom of their cycle.]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>What Everybody Ought to Know About Chapter 13</title>
		<link>http://www.bestmortgagehomes.com/what-everybody-ought-to-know-about-chapter-13/</link>
		<comments>http://www.bestmortgagehomes.com/what-everybody-ought-to-know-about-chapter-13/#comments</comments>
		<pubDate>Thu, 17 Sep 2009 07:14:10 +0000</pubDate>
		<dc:creator>Wendy Polisi</dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[fast credit repair]]></category>
		<category><![CDATA[filing bankruptcy]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://www.bestmortgagehomes.com/what-everybody-ought-to-know-about-chapter-13/</guid>
		<description><![CDATA[Many Americas were completely unprepared for the huge-scale downturn and financial crisis that is currently happening all over the world.  Because so many Americans were unprepared and easy credit dried up, their expenses and liabilities quickly outstripped their ability to pay for their lifestyles.  The financial crisis causes a tightening of credit all over, in turn leading to astounding increases in bankruptcy filings in the United States.]]></description>
		<wfw:commentRss>http://www.bestmortgagehomes.com/what-everybody-ought-to-know-about-chapter-13/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Getting a Lender to Say Yes in Today&#8217;s Market!</title>
		<link>http://www.bestmortgagehomes.com/getting-a-lender-to-say-yes-in-todays-market-2/</link>
		<comments>http://www.bestmortgagehomes.com/getting-a-lender-to-say-yes-in-todays-market-2/#comments</comments>
		<pubDate>Mon, 07 Sep 2009 10:10:35 +0000</pubDate>
		<dc:creator>Wendy Polisi</dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[home loan]]></category>
		<category><![CDATA[Loans]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage qualification]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://www.bestmortgagehomes.com/getting-a-lender-to-say-yes-in-todays-market-2/</guid>
		<description><![CDATA[Most people realize that having good credit scores is vital for getting a mortgage loan approved, but this is not everything that the lender takes into consideration. There are several key factors that a mortgage lender looks at when determining whether or not to approve a loan and only part of this information is contained in a credit report. This is why most people applying for a mortgage are required to present much more documentation than the lender can obtain independently.]]></description>
		<wfw:commentRss>http://www.bestmortgagehomes.com/getting-a-lender-to-say-yes-in-todays-market-2/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Quickest Method To Repair Bad Credit Fast!</title>
		<link>http://www.bestmortgagehomes.com/quickest-method-to-repair-bad-credit-fast/</link>
		<comments>http://www.bestmortgagehomes.com/quickest-method-to-repair-bad-credit-fast/#comments</comments>
		<pubDate>Sun, 06 Sep 2009 10:27:42 +0000</pubDate>
		<dc:creator>Don Knowles</dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[do it yourself credit repair]]></category>
		<category><![CDATA[how to]]></category>
		<category><![CDATA[improve credit rating]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[real estate loans]]></category>

		<guid isPermaLink="false">http://www.bestmortgagehomes.com/quickest-method-to-repair-bad-credit-fast/</guid>
		<description><![CDATA[Recently I was applying for a loan and needed to increase my credit score. I needed to get above 650 to qualify for the rate I wanted. My current score was 590.  I was able to repair my bad credit fast and got my score to 700 in less than 60 days.]]></description>
		<wfw:commentRss>http://www.bestmortgagehomes.com/quickest-method-to-repair-bad-credit-fast/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Bad Credit Mortgage Refinance Advice</title>
		<link>http://www.bestmortgagehomes.com/bad-credit-mortgage-refinance-advice/</link>
		<comments>http://www.bestmortgagehomes.com/bad-credit-mortgage-refinance-advice/#comments</comments>
		<pubDate>Fri, 04 Sep 2009 08:16:11 +0000</pubDate>
		<dc:creator>Jimmy Tyrrell</dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[advice]]></category>
		<category><![CDATA[bad credit]]></category>
		<category><![CDATA[banking]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[debt consolodation]]></category>
		<category><![CDATA[employment]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[Homes]]></category>
		<category><![CDATA[information]]></category>
		<category><![CDATA[jobs]]></category>
		<category><![CDATA[Loans]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[refinance]]></category>

		<guid isPermaLink="false">http://www.bestmortgagehomes.com/bad-credit-mortgage-refinance-advice/</guid>
		<description><![CDATA[Unemployment numbers are rising higher than usual in the USA. So many families need to refinance their mortgages because they have lost their jobs and are getting less money from unemployment than they did when they were working. Some people are finding it difficult to get a bad credit refinance due to having bad credit and having less income.]]></description>
		<wfw:commentRss>http://www.bestmortgagehomes.com/bad-credit-mortgage-refinance-advice/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Getting a Lender to Say Yes in Today&#8217;s Market!</title>
		<link>http://www.bestmortgagehomes.com/getting-a-lender-to-say-yes-in-todays-market/</link>
		<comments>http://www.bestmortgagehomes.com/getting-a-lender-to-say-yes-in-todays-market/#comments</comments>
		<pubDate>Thu, 03 Sep 2009 09:13:47 +0000</pubDate>
		<dc:creator>Wendy Polisi</dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[home loan]]></category>
		<category><![CDATA[Loans]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage qualification]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://www.bestmortgagehomes.com/getting-a-lender-to-say-yes-in-todays-market/</guid>
		<description><![CDATA[Most people realize that having good credit scores is vital for getting a mortgage loan approved, but this is not everything that the lender takes into consideration. There are several key factors that a mortgage lender looks at when determining whether or not to approve a loan and only part of this information is contained in a credit report. This is why most people applying for a mortgage are required to present much more documentation than the lender can obtain independently.]]></description>
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