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	<title>NC FHA Expert &#187; credit report</title>
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	<description>Helping NC&#039;s Home Buyers!</description>
	<lastBuildDate>Thu, 09 Feb 2012 17:08:12 +0000</lastBuildDate>
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		<title>Credit BooBoos Stay Around A While</title>
		<link>http://ncfhaexpert.com/housing-news/credit-boo-boos-stay-on-credit-report/</link>
		<comments>http://ncfhaexpert.com/housing-news/credit-boo-boos-stay-on-credit-report/#comments</comments>
		<pubDate>Sun, 14 Aug 2011 19:56:12 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Housing News]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[credit score requirements]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[minimum credit score required]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=1522</guid>
		<description><![CDATA[Does your credit look like a train wreck?  I&#8217;ve talked to several clients recently who hit a rough spot &#8211; and are working their way out.  They had some questions I thought other people might need answered too! How long does negative information stay on a credit report? The Fair Credit Reporting Act says that negative information [...]]]></description>
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		<title>We Are Pulling Credit Report Right Before Closing</title>
		<link>http://ncfhaexpert.com/first-time-homebuyer/we-are-pulling-credit-report-right-before-closing/</link>
		<comments>http://ncfhaexpert.com/first-time-homebuyer/we-are-pulling-credit-report-right-before-closing/#comments</comments>
		<pubDate>Thu, 03 Jun 2010 04:02:39 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[fannie mae]]></category>
		<category><![CDATA[fha home loans cary]]></category>
		<category><![CDATA[FHA LOANS]]></category>
		<category><![CDATA[fha loans raleigh]]></category>
		<category><![CDATA[FHA mortgage loan]]></category>
		<category><![CDATA[mortgage loan fha]]></category>
		<category><![CDATA[mortgage loan guidelines]]></category>
		<category><![CDATA[mortgage process]]></category>
		<category><![CDATA[mortgage rates cary]]></category>
		<category><![CDATA[refinance]]></category>

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		<description><![CDATA[Fannie Mae made some changes in the last 30 days that could delay closings&#8230; as a lender, we are now required to verify that any credit inquiries you have in those last few days prior to closing are not really an extension of credit!  So don&#8217;t buy a sofa, or a refrigerator&#8230; or ANYTHING ELSE [...]]]></description>
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		<title>Credit Score Requirements Going UP!</title>
		<link>http://ncfhaexpert.com/fha/credit-score-requirements-going-up/</link>
		<comments>http://ncfhaexpert.com/fha/credit-score-requirements-going-up/#comments</comments>
		<pubDate>Sun, 29 Nov 2009 14:08:21 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[VA Mortgage Loans]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[fha home loans]]></category>
		<category><![CDATA[fha mortgage loans]]></category>
		<category><![CDATA[first time home buyer]]></category>
		<category><![CDATA[free credit report]]></category>
		<category><![CDATA[usda home loans]]></category>
		<category><![CDATA[va home loans]]></category>
		<category><![CDATA[va mortgage loans]]></category>

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		<description><![CDATA[On December the 12th, Fannie Mae is changing it&#8217;s &#8220;Computer Program&#8221; to reflect a new minimum credit score requirement for mortgages of 620. This is SIGNIFICANT because VA Mortgage Loans, FHA Mortgage Loans and USDA Rural Development loan guidelines indicate that the Government will insure loans with scores substantially lower than this&#8230; however, if a [...]]]></description>
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