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	<title>Creditinfocenter Blog &#187; Mortgages</title>
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		<title>How Much Credit is Too Much?</title>
		<link>http://www.creditinfocenter.com/wordpress/2009/11/05/how-much-credit-is-too-much/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2009/11/05/how-much-credit-is-too-much/#comments</comments>
		<pubDate>Thu, 05 Nov 2009 12:00:37 +0000</pubDate>
		<dc:creator>Kristy Welsh</dc:creator>
				<category><![CDATA[Consumer Info]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Credit Reports]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Car Loans]]></category>
		<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[credit scoring]]></category>
		<category><![CDATA[debt ratios]]></category>
		<category><![CDATA[Fair Isaac]]></category>
		<category><![CDATA[FICO score]]></category>
		<category><![CDATA[number of accounts]]></category>
		<category><![CDATA[Payment History]]></category>
		<category><![CDATA[too much credit]]></category>
		<category><![CDATA[total available credit]]></category>

		<guid isPermaLink="false">http://www.creditinfocenter.com/wordpress/?p=4948</guid>
		<description><![CDATA[When starting your credit history from scratch, rebuilding from a bad financial period in your life, or if you have long established credit history, I get this question all the time, “How much credit is too much”? Or “How many credit cards should I have to have the best credit?” This is often a difficult question to answer, due to the black box nature of Fair Isaac’s FICO credit scoring model. ]]></description>
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		<title>Should I Ditch My Credit Cards?</title>
		<link>http://www.creditinfocenter.com/wordpress/2009/11/04/should-i-ditch-my-credit-cards/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2009/11/04/should-i-ditch-my-credit-cards/#comments</comments>
		<pubDate>Wed, 04 Nov 2009 12:00:13 +0000</pubDate>
		<dc:creator>Kristy Welsh</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[credit account]]></category>
		<category><![CDATA[Credit Crunch]]></category>
		<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[Economic Crisis]]></category>
		<category><![CDATA[emergencies]]></category>
		<category><![CDATA[FICO]]></category>
		<category><![CDATA[FICO scoring model]]></category>
		<category><![CDATA[home equity]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[savings rate]]></category>

		<guid isPermaLink="false">http://www.creditinfocenter.com/wordpress/?p=4913</guid>
		<description><![CDATA[With the credit crunch going on, there doesn&#8217;t seem to be much good news regarding people and their credit cards.  Many people burned by the credit markets are afraid to buy anything on credit.  The savings rate by the American people is the highest in 20 years.  Despite the alarming news, there [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>New Mortgage Regulations Implement Protections, Closing Delays</title>
		<link>http://www.creditinfocenter.com/wordpress/2009/08/21/new-mortgage-regulations-implement-protections-closing-delays/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2009/08/21/new-mortgage-regulations-implement-protections-closing-delays/#comments</comments>
		<pubDate>Fri, 21 Aug 2009 12:00:44 +0000</pubDate>
		<dc:creator>Cindy</dc:creator>
				<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[closing delays]]></category>
		<category><![CDATA[consumer protections]]></category>
		<category><![CDATA[GFE]]></category>
		<category><![CDATA[mortgage loan]]></category>
		<category><![CDATA[new mortgage regulations]]></category>
		<category><![CDATA[RESPA]]></category>

		<guid isPermaLink="false">http://www.creditinfocenter.com/wordpress/?p=3133</guid>
		<description><![CDATA[If there is one thing that is certain in life (and real estate), it is change! On July 30 of this year, changes were implemented by the Federal Reserve that can significantly affect the timeline for mortgage loan closures. If you are in the market for a home, or are trying to complete a first-time homebuyer [...]]]></description>
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		<title>Bad Credit &#8211; What Does it Actually Cost You?</title>
		<link>http://www.creditinfocenter.com/wordpress/2009/08/11/bad-credit-what-does-it-actually-cost-you/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2009/08/11/bad-credit-what-does-it-actually-cost-you/#comments</comments>
		<pubDate>Tue, 11 Aug 2009 15:37:45 +0000</pubDate>
		<dc:creator>Kristy</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Career]]></category>
		<category><![CDATA[Credit Repair]]></category>
		<category><![CDATA[Credit Reports]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[actual costs]]></category>
		<category><![CDATA[Auto Loans]]></category>
		<category><![CDATA[bad credit]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[employment]]></category>
		<category><![CDATA[insurance scores]]></category>
		<category><![CDATA[repair credit]]></category>

		<guid isPermaLink="false">http://www.creditinfocenter.com/wordpress/?p=2869</guid>
		<description><![CDATA[Every day, when faced with having to make some tough choices regarding debt which will impact their credit, people tell me they just don&#8217;t care about their credit or just don&#8217;t need their credit.  I am always amazed.  Don&#8217;t they realize that having bad credit can cost them thousands of dollars a year?
Employment
Having [...]]]></description>
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		<slash:comments>3</slash:comments>
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