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	<title>Foreclosures Digest &#187; credit</title>
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	<link>http://www.foreclosuresdigest.com</link>
	<description>All About Foreclosures</description>
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		<itunes:summary>Just another WordPress weblog</itunes:summary>
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	<item>
		<title>How To Settle Credit Card Debt In A Week</title>
		<link>http://www.foreclosuresdigest.com/how-to-settle-credit-card-debt-in-a-week/</link>
		<comments>http://www.foreclosuresdigest.com/how-to-settle-credit-card-debt-in-a-week/#comments</comments>
		<pubDate>Sat, 28 Jan 2012 11:42:09 +0000</pubDate>
		<dc:creator>Allan Henry</dc:creator>
				<category><![CDATA[Foreclosures]]></category>
		<category><![CDATA[banking]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debt dispute]]></category>
		<category><![CDATA[debt help]]></category>
		<category><![CDATA[debt relief]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[Law]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[settle credit card debt]]></category>
		<category><![CDATA[success]]></category>
		<category><![CDATA[time management]]></category>

		<guid isPermaLink="false">http://www.foreclosuresdigest.com/how-to-settle-credit-card-debt-in-a-week/</guid>
		<description><![CDATA[Learning how to settle credit card debt can seem quite difficult if you do not know where to start. In my experience all that you need as a consumer is some expert guidance on what steps to take and how to communicate with your creditor or debt collector. Without this information it can be hard to know how to settle credit card debt.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Maintaining A Nice Credit Score Range</title>
		<link>http://www.foreclosuresdigest.com/maintaining-a-nice-credit-score-range/</link>
		<comments>http://www.foreclosuresdigest.com/maintaining-a-nice-credit-score-range/#comments</comments>
		<pubDate>Fri, 27 Jan 2012 20:37:55 +0000</pubDate>
		<dc:creator>Marc Marseille</dc:creator>
				<category><![CDATA[Foreclosures]]></category>
		<category><![CDATA[automobile]]></category>
		<category><![CDATA[business]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[free credit report]]></category>
		<category><![CDATA[free credit score]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[society]]></category>

		<guid isPermaLink="false">http://www.foreclosuresdigest.com/maintaining-a-nice-credit-score-range/</guid>
		<description><![CDATA[Although all 3 credit agencies work on a FICO formula, they have differences as well as the names of their systems. The Equifax scoring system is labeled the beacon scoring system. Equifax employs a <a href="http://www.beaconcreditscore.org">beacon score</a> model and they have a credit rating range that ranges from 300 to 850. This means that the maximum score it is possible to accomplish with Equifax is 850.Transunion employs the Emperica scoring system while Experian has the FICO II score. Transunion's Emperica scoring system alternatively ranges from 300 to 850 while Experian is about 400 to 900.]]></description>
		<wfw:commentRss>http://www.foreclosuresdigest.com/maintaining-a-nice-credit-score-range/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Debt Dispute Letter</title>
		<link>http://www.foreclosuresdigest.com/debt-dispute-letter/</link>
		<comments>http://www.foreclosuresdigest.com/debt-dispute-letter/#comments</comments>
		<pubDate>Mon, 23 Jan 2012 15:59:56 +0000</pubDate>
		<dc:creator>Allan Henry</dc:creator>
				<category><![CDATA[Foreclosures]]></category>
		<category><![CDATA[advice]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debt dispute]]></category>
		<category><![CDATA[debt help]]></category>
		<category><![CDATA[debt validation letter]]></category>
		<category><![CDATA[education]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[legal]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[Writing]]></category>

		<guid isPermaLink="false">http://www.foreclosuresdigest.com/debt-dispute-letter/</guid>
		<description><![CDATA[Often alleged debt must be disputed to ensure that you, as the consumer, is being treated fairly. The best way to do this is with a debt dispute letter. The two most common types of debt dispute letters are debt validation letters and debt verification letters. Both are commonly used but serve different purposes. To ensure your dispute is effective you need to find out how and when you should make your dispute.]]></description>
		<wfw:commentRss>http://www.foreclosuresdigest.com/debt-dispute-letter/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Debt Validation Letter Sample</title>
		<link>http://www.foreclosuresdigest.com/debt-validation-letter-sample/</link>
		<comments>http://www.foreclosuresdigest.com/debt-validation-letter-sample/#comments</comments>
		<pubDate>Fri, 20 Jan 2012 15:37:13 +0000</pubDate>
		<dc:creator>Allan Henry</dc:creator>
				<category><![CDATA[Foreclosures]]></category>
		<category><![CDATA[advice]]></category>
		<category><![CDATA[banking]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debt relief]]></category>
		<category><![CDATA[debt settlement]]></category>
		<category><![CDATA[debt validation letter]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://www.foreclosuresdigest.com/debt-validation-letter-sample/</guid>
		<description><![CDATA[This article is written for the purpose to provide people like you with some debt validation letter sample ideas. It is somewhat difficult to provide a full debt validation letter that will automatically work for your situation. So instead I am offering my expert opinion on what should be included when writing a debt validation letter.]]></description>
		<wfw:commentRss>http://www.foreclosuresdigest.com/debt-validation-letter-sample/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Home Loans Or Financing: A Few Basic Mortgage Information</title>
		<link>http://www.foreclosuresdigest.com/home-loans-or-financing-a-few-basic-mortgage-information/</link>
		<comments>http://www.foreclosuresdigest.com/home-loans-or-financing-a-few-basic-mortgage-information/#comments</comments>
		<pubDate>Mon, 12 Dec 2011 15:12:13 +0000</pubDate>
		<dc:creator>Josh  Saint</dc:creator>
				<category><![CDATA[Foreclosures]]></category>
		<category><![CDATA[buy]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[home]]></category>
		<category><![CDATA[House]]></category>
		<category><![CDATA[life]]></category>
		<category><![CDATA[loan]]></category>
		<category><![CDATA[loan officer]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[own]]></category>
		<category><![CDATA[Property]]></category>
		<category><![CDATA[sell]]></category>

		<guid isPermaLink="false">http://www.foreclosuresdigest.com/home-loans-or-financing-a-few-basic-mortgage-information/</guid>
		<description><![CDATA[When people talk about credit arrangements home loans or financing other credit arrangements against a property they usually refer to it as a mortgage. Mortgage loans are arrangements, usually obtained through a bank, where a long term credit arrangement is obtained by a house buyer or builder, with the property being bought or built used as security for the loan.]]></description>
		<wfw:commentRss>http://www.foreclosuresdigest.com/home-loans-or-financing-a-few-basic-mortgage-information/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Learn Which Homes For Sale Suit Your Needs</title>
		<link>http://www.foreclosuresdigest.com/buying-a-home-are-you-confused-about-which-home-you-want/</link>
		<comments>http://www.foreclosuresdigest.com/buying-a-home-are-you-confused-about-which-home-you-want/#comments</comments>
		<pubDate>Mon, 21 Nov 2011 17:05:03 +0000</pubDate>
		<dc:creator>Ron Darby</dc:creator>
				<category><![CDATA[Foreclosures]]></category>
		<category><![CDATA[building]]></category>
		<category><![CDATA[buying]]></category>
		<category><![CDATA[condominiums]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[FSBO]]></category>
		<category><![CDATA[homes]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[moving]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[relocating]]></category>
		<category><![CDATA[selling]]></category>

		<guid isPermaLink="false">http://www.foreclosuresdigest.com/buying-a-home-are-you-confused-about-which-home-you-want/</guid>
		<description><![CDATA[If you're overwhelmed with all the homes for sale in a particular community, don't feel pressured to settle for a basic property. Instead, give yourself the opportunity to explore the widest range of homes styles, price range, and communities. Don't fall into the trap other new homebuyers make by only viewing properties fitting a narrowly defined list of criteria. Give each home a fair evaluation before striking it from your list.]]></description>
		<wfw:commentRss>http://www.foreclosuresdigest.com/buying-a-home-are-you-confused-about-which-home-you-want/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Don&#8217;t Fear The Loan Prequalification Process</title>
		<link>http://www.foreclosuresdigest.com/dont-fear-the-loan-prequalification-process/</link>
		<comments>http://www.foreclosuresdigest.com/dont-fear-the-loan-prequalification-process/#comments</comments>
		<pubDate>Sat, 19 Nov 2011 21:33:39 +0000</pubDate>
		<dc:creator>Ron Darby</dc:creator>
				<category><![CDATA[Foreclosures]]></category>
		<category><![CDATA[building]]></category>
		<category><![CDATA[buying]]></category>
		<category><![CDATA[condominiums]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[estate]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[FSBO]]></category>
		<category><![CDATA[homes]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[moving]]></category>
		<category><![CDATA[real]]></category>
		<category><![CDATA[relocating]]></category>
		<category><![CDATA[selling]]></category>

		<guid isPermaLink="false">http://www.foreclosuresdigest.com/dont-fear-the-loan-prequalification-process/</guid>
		<description><![CDATA[If you've owned a home before, you're already familiar with the step of prequalifying with a lender prior to looking at homes for sale. If you're already prequalified with a lender, sellers will give your offer more serious consideration because they know you won't have problems satisfying the loan contingency. The fact of the matter is, the price of home you can afford to buy depends heavily on you.]]></description>
		<wfw:commentRss>http://www.foreclosuresdigest.com/dont-fear-the-loan-prequalification-process/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Is It Wise To Buy The Largest Home In A Community?</title>
		<link>http://www.foreclosuresdigest.com/is-it-wise-to-buy-the-largest-home-in-a-community/</link>
		<comments>http://www.foreclosuresdigest.com/is-it-wise-to-buy-the-largest-home-in-a-community/#comments</comments>
		<pubDate>Sat, 19 Nov 2011 17:10:36 +0000</pubDate>
		<dc:creator>Ron Darby</dc:creator>
				<category><![CDATA[Foreclosures]]></category>
		<category><![CDATA[building]]></category>
		<category><![CDATA[buying]]></category>
		<category><![CDATA[condominiums]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[FSBO]]></category>
		<category><![CDATA[homes]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[moving]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[relocating]]></category>
		<category><![CDATA[selling]]></category>

		<guid isPermaLink="false">http://www.foreclosuresdigest.com/is-it-wise-to-buy-the-largest-home-in-a-community/</guid>
		<description><![CDATA[Have you heard the advice not to purchase the largest home in a community? Somehow, the assumption is the larger, more expensive home won't appreciate as much due to the surrounding smaller, less expensive homes. Therefore, when it comes time to sell the larger home, you'll receive less profit due to a lower appreciation rate. If you really think about this concept, it doesn't make sense.]]></description>
		<wfw:commentRss>http://www.foreclosuresdigest.com/is-it-wise-to-buy-the-largest-home-in-a-community/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Are You Waiting On The Goal Of Home Ownership?</title>
		<link>http://www.foreclosuresdigest.com/are-you-waiting-on-the-goal-of-home-ownership/</link>
		<comments>http://www.foreclosuresdigest.com/are-you-waiting-on-the-goal-of-home-ownership/#comments</comments>
		<pubDate>Fri, 18 Nov 2011 16:23:26 +0000</pubDate>
		<dc:creator>Ron Darby</dc:creator>
				<category><![CDATA[Foreclosures]]></category>
		<category><![CDATA[building]]></category>
		<category><![CDATA[buying]]></category>
		<category><![CDATA[condominiums]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[estate]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[FSBO]]></category>
		<category><![CDATA[homes]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[moving]]></category>
		<category><![CDATA[real]]></category>
		<category><![CDATA[relocating]]></category>
		<category><![CDATA[selling]]></category>

		<guid isPermaLink="false">http://www.foreclosuresdigest.com/are-you-waiting-on-the-goal-of-home-ownership/</guid>
		<description><![CDATA[It's easy to settle into a life of renting and ignore the dream of owning your own home. While the dream of owning real estate brings pleasant thoughts, it quickly turns to uneasiness for many renters as they fear rejection of their loan application. Many renters dream of owning a home, yet dig up a multitude of excuses why they can't qualify for one. This attitude is so prevalent; it's not uncommon to bump into renters between the ages of 30 to 40 who continue to live with the inconvenience of renting. Many give up hope of ever buying a property.]]></description>
		<wfw:commentRss>http://www.foreclosuresdigest.com/are-you-waiting-on-the-goal-of-home-ownership/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Which Property Is The Best Investment?</title>
		<link>http://www.foreclosuresdigest.com/which-property-is-the-best-investment/</link>
		<comments>http://www.foreclosuresdigest.com/which-property-is-the-best-investment/#comments</comments>
		<pubDate>Fri, 18 Nov 2011 02:06:25 +0000</pubDate>
		<dc:creator>Ron Darby</dc:creator>
				<category><![CDATA[Foreclosures]]></category>
		<category><![CDATA[building]]></category>
		<category><![CDATA[buying]]></category>
		<category><![CDATA[condominiums]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[estate]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[FSBO]]></category>
		<category><![CDATA[homes]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[moving]]></category>
		<category><![CDATA[real]]></category>
		<category><![CDATA[relocating]]></category>
		<category><![CDATA[selling]]></category>

		<guid isPermaLink="false">http://www.foreclosuresdigest.com/which-property-is-the-best-investment/</guid>
		<description><![CDATA[Are you afraid to touch a condo because you think it won't earn you substantial equity? It's easy to understand your concerns, taking into account how the condominium segment experienced a plunge more than a few years back. Despite the fact your current anxieties could be justified, it really is crucial to think about any conceivable problems as opposed to the probable benefits. You would be performing a foolish oversight by rejecting a condominium complex or neighborhood as a possible choice to a residence. In several urban centers, a condominium is turning into a good value for the money along with an opportunity to acquire modest appreciation when compared to a home. In the event you diligently combing condominium listings, you've got a 50 % chance to stumble right into a bargain priced condominium.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
	
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