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	<title>NC FHA Expert &#187; credit scores</title>
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	<link>http://ncfhaexpert.com</link>
	<description>Helping NC&#039;s Home Buyers!</description>
	<lastBuildDate>Thu, 09 Feb 2012 17:08:12 +0000</lastBuildDate>
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		<title>Buy a House, Get a Raise!</title>
		<link>http://ncfhaexpert.com/first-time-homebuyer/buy-a-house-get-a-raise-2/</link>
		<comments>http://ncfhaexpert.com/first-time-homebuyer/buy-a-house-get-a-raise-2/#comments</comments>
		<pubDate>Wed, 08 Feb 2012 13:14:23 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[benefits of homeownership]]></category>
		<category><![CDATA[buying forelcosed homes]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[first time home buyer programs]]></category>
		<category><![CDATA[how to buy foreclosed homes]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[nc]]></category>
		<category><![CDATA[steve thorne]]></category>

		<guid isPermaLink="false">http://howtoimprovemyscore.com/?p=142</guid>
		<description><![CDATA[Buy a House, Get a Raise! I&#8217;ve told people this for years, and they don&#8217;t always understand.  You see, when you purchase a house, it gives you a tax incentive, and so if you are paying $1200 a month for a mortgage payment you are likely writing off at least $400 a month in interest [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/first-time-homebuyer/buy-a-house-get-a-raise-2/feed/</wfw:commentRss>
		<slash:comments>8</slash:comments>
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		<title>I Have A Repo on My Credit Report Can I Buy a House?</title>
		<link>http://ncfhaexpert.com/fha/i-have-repo-on-my-credit-report-can-i-buy-a-house/</link>
		<comments>http://ncfhaexpert.com/fha/i-have-repo-on-my-credit-report-can-i-buy-a-house/#comments</comments>
		<pubDate>Mon, 06 Feb 2012 13:09:15 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[credit]]></category>
		<category><![CDATA[FHA Mortgage Loans]]></category>
		<category><![CDATA[car reposession]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[fha credit guidelines]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[nc]]></category>
		<category><![CDATA[river community bank]]></category>

		<guid isPermaLink="false">http://howtoimprovemyscore.com/?p=122</guid>
		<description><![CDATA[I&#8217;ve had several of these questions lately, and I figured I&#8217;d let you know what I&#8217;m seeing. Just because you have a repossession on your credit report does not mean that you have to delay in purchasing a home&#8230; but that doen&#8217;t mean it&#8217;s not a problem. Okay, so let&#8217;s say you have a repossession [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/fha/i-have-repo-on-my-credit-report-can-i-buy-a-house/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
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		<title>Does The Balance On Your Account Matter?</title>
		<link>http://ncfhaexpert.com/credit/does-the-balance-on-your-account-matter/</link>
		<comments>http://ncfhaexpert.com/credit/does-the-balance-on-your-account-matter/#comments</comments>
		<pubDate>Sat, 04 Feb 2012 13:56:38 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[credit]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[fico]]></category>
		<category><![CDATA[new homes cary]]></category>
		<category><![CDATA[raleigh]]></category>
		<category><![CDATA[river community bank]]></category>
		<category><![CDATA[wake county]]></category>
		<category><![CDATA[wake forest]]></category>

		<guid isPermaLink="false">http://howtoimprovemyscore.com/?p=100</guid>
		<description><![CDATA[I recently read a report that said: &#8220;Several of my clients are in the credit restoration business and a recent conference call with some of the heavy hitters in the business revealed an astonishing new update to how the FICO score is computed. Balance management &#8211; that is the practice of getting the &#8220;balance to [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>What&#8217;s In Your Wallet (It Makes a Difference) Part 2</title>
		<link>http://ncfhaexpert.com/housing-news/whats-in-your-wallet-it-makes-a-difference-part-2/</link>
		<comments>http://ncfhaexpert.com/housing-news/whats-in-your-wallet-it-makes-a-difference-part-2/#comments</comments>
		<pubDate>Fri, 03 Feb 2012 17:05:00 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[credit]]></category>
		<category><![CDATA[Housing News]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[dave ramsey credit repair]]></category>
		<category><![CDATA[how to improve credit scores]]></category>
		<category><![CDATA[river community bank]]></category>

		<guid isPermaLink="false">http://howtoimprovemyscore.com/?p=152</guid>
		<description><![CDATA[Working on your credit scores so you can purchase a home? If you are not behind on payments, and you think you can manage the payments as they are (without closing accounts)… let’s talk about one of the most important things you can do to raise your credit score. Take out your wallet… Look at [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>What&#8217;s In Your Wallet (it makes a Difference)?  Part 1</title>
		<link>http://ncfhaexpert.com/housing-news/whats-in-your-wallet-it-makes-a-difference-part-1/</link>
		<comments>http://ncfhaexpert.com/housing-news/whats-in-your-wallet-it-makes-a-difference-part-1/#comments</comments>
		<pubDate>Thu, 02 Feb 2012 15:35:18 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[credit]]></category>
		<category><![CDATA[Housing News]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[New Homes]]></category>
		<category><![CDATA[non-profit consumer credit counseling]]></category>
		<category><![CDATA[river community bank]]></category>
		<category><![CDATA[steve thorne river community bank]]></category>

		<guid isPermaLink="false">http://howtoimprovemyscore.com/?p=149</guid>
		<description><![CDATA[Are you considering a Home Purchase???  Many of us realize that credit scores are the Holy Grail—the one thing you do not want to screw up… and if you have, it’s the one thing you want to figure out how to FIX&#8230; FAST! We talk to people all the time who have been laid off, [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Credit Score Basics &#8211; For First Time Homebuyers</title>
		<link>http://ncfhaexpert.com/first-time-homebuyer/credit-score-basics-part-1/</link>
		<comments>http://ncfhaexpert.com/first-time-homebuyer/credit-score-basics-part-1/#comments</comments>
		<pubDate>Tue, 31 Jan 2012 13:25:46 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[First Time Home Buyer]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[first time home buyer]]></category>
		<category><![CDATA[first time home buyer programs]]></category>
		<category><![CDATA[how credit scores work]]></category>
		<category><![CDATA[improve credit scores]]></category>
		<category><![CDATA[improve fico score]]></category>
		<category><![CDATA[river community bank]]></category>

		<guid isPermaLink="false">http://howtoimprovemyscore.com/?p=300</guid>
		<description><![CDATA[For instance the "Free Credit Score.com" jingle that folks listen to, and then PAY for doesn't have a matrix that is anywhere close to the "Mortgage" matrix we must use to score you!  We've seen many people who thought their credit score was "up" to 640 - when we pulled it and found that the score was actually 618, the customer thought we were crazy!  We weren't... there's just a difference between a Mortgage Report Score, A Medical Credit Score, and a Retail Credit Score.]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/first-time-homebuyer/credit-score-basics-part-1/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Closing a Credit Card??</title>
		<link>http://ncfhaexpert.com/credit/closing-a-credit-card/</link>
		<comments>http://ncfhaexpert.com/credit/closing-a-credit-card/#comments</comments>
		<pubDate>Thu, 19 Jan 2012 12:09:38 +0000</pubDate>
		<dc:creator>Eleanor</dc:creator>
				<category><![CDATA[credit]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[improve credit scores]]></category>
		<category><![CDATA[payinng off credit card debt]]></category>

		<guid isPermaLink="false">http://howtoimprovemyscore.com/?p=34</guid>
		<description><![CDATA[If your trying to decide what to do with all that cash Washington is sending you in the next few weeks&#8230; you might also be looking at your credit report to see how to use that money more effectively. In today&#8217;s environment we don&#8217;t usually suggest that folks close credit cards with no balance, but [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>What To Dispute On Your Credit Report</title>
		<link>http://ncfhaexpert.com/credit/what-to-dispute-on-your-credit-report/</link>
		<comments>http://ncfhaexpert.com/credit/what-to-dispute-on-your-credit-report/#comments</comments>
		<pubDate>Wed, 18 Jan 2012 18:37:35 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[credit]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[disputing credit]]></category>
		<category><![CDATA[fixing credit]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=1762</guid>
		<description><![CDATA[&#160; If You&#8217;re Huntin&#8217; A Better Credit Score &#8211; Let Sleepin&#8217; Dawgs Lie! If you are looking for a new home, you are probably aware that your Credit Score is a CRITICAL item in determining your interest rate and possibly how much house you can buy / qualify for! We talk to people every week [...]]]></description>
		<wfw:commentRss>http://ncfhaexpert.com/credit/what-to-dispute-on-your-credit-report/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<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>
		<wfw:commentRss>http://ncfhaexpert.com/housing-news/credit-boo-boos-stay-on-credit-report/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What does Rapid Rescore Mean To Buyers in NC?</title>
		<link>http://ncfhaexpert.com/housing-news/what-does-rapid-rescore-mean-to-buyers-in-nc/</link>
		<comments>http://ncfhaexpert.com/housing-news/what-does-rapid-rescore-mean-to-buyers-in-nc/#comments</comments>
		<pubDate>Thu, 21 Jul 2011 18:55:48 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Housing News]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[minimum credit score for mortgage]]></category>
		<category><![CDATA[rapid rescore]]></category>

		<guid isPermaLink="false">http://ncfhaexpert.com/?p=1834</guid>
		<description><![CDATA[Let&#8217;s say you are ready to purchase a home in NC, and you meet with a loan officer&#8230; and they say that your credit score is 610.  ARRRGGH!  Depending on the mortgage loan that you are applying for, you are probably JUST UNDER the score you need!  Now what do you do? Your loan officer [...]]]></description>
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		<slash:comments>0</slash:comments>
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