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	<title>Karen&#039;s Perspective&#187; Credit</title>
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	<description>Wish I’d known this before…</description>
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		<title>Caution: Your credit score may sink when you sign up for mortgage relief</title>
		<link>http://www.karensperspective.com/caution-your-credit-score-may-sink-when-you-sign-up-for-mortgage-relief/</link>
		<comments>http://www.karensperspective.com/caution-your-credit-score-may-sink-when-you-sign-up-for-mortgage-relief/#comments</comments>
		<pubDate>Mon, 22 Mar 2010 15:27:09 +0000</pubDate>
		<dc:creator>Karen</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Government Regulations and Programs]]></category>
		<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[Loan Mods]]></category>
		<category><![CDATA[Short Sale]]></category>

		<guid isPermaLink="false">http://www.karensperspective.com/?p=5183</guid>
		<description><![CDATA[According to the Washington Associated Press,  if you sign up for the government&#8217;s mortgage assistance programs, there&#8217;s a chance you may get something  you don&#8217;t expect &#8211; a lower credit score. What are these mortgage assistance programs? Home Affordable Refinance: This option can help you&#8230;]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortgage Resets &#8211; Here comes the next wave</title>
		<link>http://www.karensperspective.com/mortgage-resets-here-comes-the-next-wave/</link>
		<comments>http://www.karensperspective.com/mortgage-resets-here-comes-the-next-wave/#comments</comments>
		<pubDate>Fri, 05 Feb 2010 14:25:23 +0000</pubDate>
		<dc:creator>Karen</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[Financing]]></category>
		<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Selling a Home]]></category>
		<category><![CDATA[Buying]]></category>
		<category><![CDATA[Home Values]]></category>
		<category><![CDATA[Housing Statistics]]></category>
		<category><![CDATA[Property Values]]></category>
		<category><![CDATA[Selling]]></category>

		<guid isPermaLink="false">http://www.karensperspective.com/?p=4475</guid>
		<description><![CDATA[I know everyone really wants to believe the housing market is going to get better in 2010. I know we&#8217;ve all had enough of the gloom and doom, but it appears we have to brace ourselves for more of the same, at best. We&#8217;re so&#8230;]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>How do you Protect What you Have?</title>
		<link>http://www.karensperspective.com/how-do-you-protect-what-you-have/</link>
		<comments>http://www.karensperspective.com/how-do-you-protect-what-you-have/#comments</comments>
		<pubDate>Mon, 21 Dec 2009 14:47:46 +0000</pubDate>
		<dc:creator>Karen</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Credit Repair]]></category>
		<category><![CDATA[Identity Theft]]></category>

		<guid isPermaLink="false">http://www.karensperspective.com/?p=3990</guid>
		<description><![CDATA[photo by AMagill With the implosion of the housing market, the collapse of credit, and the unpredictable ups and downs of Wall Street, how do you protect what you have? If you listen to the news, you&#8217;ve heard that trillions of dollars have been lost&#8230;]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Turned Down for a Mortgage?  What&#8217;s Next?</title>
		<link>http://www.karensperspective.com/turned-down-for-a-mortgage-whats-next/</link>
		<comments>http://www.karensperspective.com/turned-down-for-a-mortgage-whats-next/#comments</comments>
		<pubDate>Sun, 20 Dec 2009 01:47:12 +0000</pubDate>
		<dc:creator>Karen</dc:creator>
				<category><![CDATA[Buying a Home]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[Financing]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[Buying]]></category>
		<category><![CDATA[mortgage]]></category>

		<guid isPermaLink="false">http://www.karensperspective.com/?p=3383</guid>
		<description><![CDATA[First of all, you&#8217;re not alone. Hope that helps&#8230; According to the Mortgage Bankers Association in Washington, D.C., about half of all mortgage applicants are now being turned down. Half. Good grief, that&#8217;s a lot. Did you receive a formal rejection spelling out the reasons&#8230;]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Debit Card &#8211; do you use one?</title>
		<link>http://www.karensperspective.com/debit-card-do-you-use-one/</link>
		<comments>http://www.karensperspective.com/debit-card-do-you-use-one/#comments</comments>
		<pubDate>Wed, 02 Dec 2009 17:07:05 +0000</pubDate>
		<dc:creator>Karen</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Debit Card]]></category>

		<guid isPermaLink="false">http://www.karensperspective.com/?p=3626</guid>
		<description><![CDATA[photo from TalkforFinance We&#8217;ve talked about credit cards in New Credit Card Laws go into Effect August, 2009, and Your Credit Card is Canceled. But we haven&#8217;t talked about Debit Cards.  Do you use one?  Do you know the danger if you do? For example,&#8230;]]></description>
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		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>Your Credit Card is Canceled</title>
		<link>http://www.karensperspective.com/your-credit-card-is-canceled/</link>
		<comments>http://www.karensperspective.com/your-credit-card-is-canceled/#comments</comments>
		<pubDate>Wed, 25 Nov 2009 17:15:02 +0000</pubDate>
		<dc:creator>Karen</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Credit Cards]]></category>

		<guid isPermaLink="false">http://www.karensperspective.com/?p=3610</guid>
		<description><![CDATA[Possibly without notice.. You may be aware that many new laws protecting consumers when dealing with credit cards have recently been passed.  Credit card companies, for example, are now required to give customers a 45 day notice before making significant changes including changes in interest&#8230;]]></description>
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		<title>Raising Your Credit Score after a Short Sale</title>
		<link>http://www.karensperspective.com/raising-your-credit-score-after-a-short-sale/</link>
		<comments>http://www.karensperspective.com/raising-your-credit-score-after-a-short-sale/#comments</comments>
		<pubDate>Tue, 22 Sep 2009 17:01:22 +0000</pubDate>
		<dc:creator>Karen</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Financing]]></category>
		<category><![CDATA[Credit Repair]]></category>
		<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[Short Sale]]></category>

		<guid isPermaLink="false">http://www.karensperspective.com/?p=2919</guid>
		<description><![CDATA[How does a short sale affect your credit report and is there anything you can do about it? It depends on how the bank reports it to the credit reporting agencies and.. they have lots of options. Sometimes, if you&#8217;re lucky, they don&#8217;t report it&#8230;]]></description>
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