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	<title>Creditinfocenter Blog &#187; Mortgage Loans</title>
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	<description>For the Up To Date News</description>
	<lastBuildDate>Fri, 20 Nov 2009 15:00:34 +0000</lastBuildDate>
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		<title>Many Mortgage Lenders Have Yet to Adopt FICO 08</title>
		<link>http://www.creditinfocenter.com/wordpress/2009/09/16/many-mortgage-lenders-yet-adopt-fico-08/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2009/09/16/many-mortgage-lenders-yet-adopt-fico-08/#comments</comments>
		<pubDate>Wed, 16 Sep 2009 14:21:13 +0000</pubDate>
		<dc:creator>Cindy</dc:creator>
				<category><![CDATA[Credit Bureaus and Scores]]></category>
		<category><![CDATA[Credit Reports]]></category>
		<category><![CDATA[credit delinquencies]]></category>
		<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[credit scoring systems]]></category>
		<category><![CDATA[FICO]]></category>
		<category><![CDATA[FICO 08]]></category>
		<category><![CDATA[Mortgage Loans]]></category>
		<category><![CDATA[new FICO scoring system]]></category>
		<category><![CDATA[scoring models]]></category>

		<guid isPermaLink="false">http://www.creditinfocenter.com/wordpress/?p=3923</guid>
		<description><![CDATA[When Fair Isaac Corporation (FICO) rolled out their &#8220;new and improved&#8221; FICO 08 credit scoring model last year, hopeful consumers with single derogatory incidents on their reports anxiously awaited the possibility of improved credit scores under the new system. The updated scoring model, developed in part in response to the subprime mortgage crisis, minimizes the effect of small, missed payments listed in [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>The United State of Credit in America</title>
		<link>http://www.creditinfocenter.com/wordpress/2009/02/27/the-united-state-of-credit-in-america/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2009/02/27/the-united-state-of-credit-in-america/#comments</comments>
		<pubDate>Fri, 27 Feb 2009 14:43:28 +0000</pubDate>
		<dc:creator>Cindy</dc:creator>
				<category><![CDATA[Consumer Debt]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit card default]]></category>
		<category><![CDATA[credit card delinquency]]></category>
		<category><![CDATA[Mortgage Delinquency]]></category>
		<category><![CDATA[Mortgage Loans]]></category>
		<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://www.creditinfocenter.com/wordpress/?p=418</guid>
		<description><![CDATA[Bet I got your curiosity peaked with that Title! Any guesses what we are talking about (other than the state of  &#8220;poor&#8221;, or &#8220;no&#8221;)? All kidding aside&#8230;
We ran across a kind of cool interactive map of the United States that shows which parts of the country are defaulting on mortgage and credit-card loans. The color-coded [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Fannie Mae and Freddie Mac to Toughen Credit Guidelines</title>
		<link>http://www.creditinfocenter.com/wordpress/2009/02/20/fannie-mae-and-freddie-mac-to-toughen-credit-guidelines/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2009/02/20/fannie-mae-and-freddie-mac-to-toughen-credit-guidelines/#comments</comments>
		<pubDate>Fri, 20 Feb 2009 16:19:02 +0000</pubDate>
		<dc:creator>Cindy</dc:creator>
				<category><![CDATA[Consumer Debt]]></category>
		<category><![CDATA[Credit Bureaus and Scores]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit guidelines]]></category>
		<category><![CDATA[Fannie]]></category>
		<category><![CDATA[FMAC]]></category>
		<category><![CDATA[FNMA]]></category>
		<category><![CDATA[Freddie]]></category>
		<category><![CDATA[Mortgage Loans]]></category>
		<category><![CDATA[mortgage qualification]]></category>

		<guid isPermaLink="false">http://www.creditinfocenter.com/wordpress/?p=352</guid>
		<description><![CDATA[While legislators are struggling to find ways to stimulate the economy and save the drowning housing market, the news that stricter credit requirements and higher fees are coming down the pipe couldn&#8217;t be timed worse.  Effective April 1, 2009,  Fannie Mae and Freddie Mac are increasing their mandatory fees and toughening their credit score and [...]]]></description>
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		<slash:comments>3</slash:comments>
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		<title>Make All Your Mortgage Payments on Time?  You Can Still Get Foreclosed</title>
		<link>http://www.creditinfocenter.com/wordpress/2008/05/27/make-all-your-mortgage-payments-on-time-you-can-still-get-foreclosed/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2008/05/27/make-all-your-mortgage-payments-on-time-you-can-still-get-foreclosed/#comments</comments>
		<pubDate>Tue, 27 May 2008 15:13:49 +0000</pubDate>
		<dc:creator>Kristy Welsh</dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[15-year]]></category>
		<category><![CDATA[30-year]]></category>
		<category><![CDATA[Amortization]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[Minimum Payments]]></category>
		<category><![CDATA[Mortgage Loans]]></category>
		<category><![CDATA[Option ARM]]></category>

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		<description><![CDATA[If you have a so-called option ARM, where  you get a choice of the payment structure you want, I&#8217;ll bet you didn&#8217;t know about an insidious clause in that loan.   In many option loans, you can choose a minimum payment, much like a credit card, where you just make a small payment, [...]]]></description>
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