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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>What Credit Score do You Need to Get a Loan?</title>
		<link>http://www.karensperspective.com/what-credit-score-do-you-need-to-get-a-loan/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=what-credit-score-do-you-need-to-get-a-loan</link>
		<comments>http://www.karensperspective.com/what-credit-score-do-you-need-to-get-a-loan/#comments</comments>
		<pubDate>Fri, 11 Nov 2011 15:37:29 +0000</pubDate>
		<dc:creator>Karen</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Financing]]></category>
		<category><![CDATA[Real Estate Investing]]></category>
		<category><![CDATA[Credit Score]]></category>

		<guid isPermaLink="false">http://www.karensperspective.com/?p=9280</guid>
		<description><![CDATA[When applying for credit, one of the first things you need to know is your credit score. But why? Your credit score will greatly impact, not only your ability to get a loan, but how much interest you will pay if you do. The higher&#8230;]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Additions to Borrower&#8217;s Credit Score</title>
		<link>http://www.karensperspective.com/additions-to-borrowers-credit-score/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=additions-to-borrowers-credit-score</link>
		<comments>http://www.karensperspective.com/additions-to-borrowers-credit-score/#comments</comments>
		<pubDate>Tue, 11 Oct 2011 14:53:30 +0000</pubDate>
		<dc:creator>Karen</dc:creator>
				<category><![CDATA[Borrowing and Lending]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[corelogic]]></category>
		<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[fico]]></category>
		<category><![CDATA[mortgage lender]]></category>

		<guid isPermaLink="false">http://www.karensperspective.com/?p=9057</guid>
		<description><![CDATA[Mortgage lenders will soon have access to additional details about a prospective borrower&#8217;s past. These items will be factored into a new credit score and will, hopefully, help lenders make more informed lending decisions. CoreLogic will serve as a &#8220;supplemental credit repository,&#8221; providing additional data&#8230;]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Cost of Closing a Credit Card</title>
		<link>http://www.karensperspective.com/cost-of-closing-a-credit-card/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=cost-of-closing-a-credit-card</link>
		<comments>http://www.karensperspective.com/cost-of-closing-a-credit-card/#comments</comments>
		<pubDate>Wed, 21 Sep 2011 15:45:57 +0000</pubDate>
		<dc:creator>Karen</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Financing]]></category>
		<category><![CDATA[credit card]]></category>

		<guid isPermaLink="false">http://www.karensperspective.com/?p=8903</guid>
		<description><![CDATA[Credit Score Close a card Miss a payment Max out your cards 680 40 70 95 720 55 80 115 Does closing a no balance credit card effect your credit score? Chances are, yes. One of the factors that goes into evaluating your credit score&#8230;]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Repairing Your Credit</title>
		<link>http://www.karensperspective.com/repairing-your-credit/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=repairing-your-credit</link>
		<comments>http://www.karensperspective.com/repairing-your-credit/#comments</comments>
		<pubDate>Wed, 25 May 2011 14:44:54 +0000</pubDate>
		<dc:creator>Karen</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[repairing your credit]]></category>

		<guid isPermaLink="false">http://www.karensperspective.com/?p=7954</guid>
		<description><![CDATA[Do you realize how important your credit score is, all the time? Who looks at your credit score? Everyone! Insurance companies. If you’re a high risk based on your credit score, you’re a high risk for insurance companies and they’ll charge you a higher rate.&#8230;]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Filing Bankruptcy cannot stop you from Investing in Real Estate</title>
		<link>http://www.karensperspective.com/filing-bankruptcy-cannot-stop-you-from-investing-in-real-estate/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=filing-bankruptcy-cannot-stop-you-from-investing-in-real-estate</link>
		<comments>http://www.karensperspective.com/filing-bankruptcy-cannot-stop-you-from-investing-in-real-estate/#comments</comments>
		<pubDate>Wed, 27 Oct 2010 15:31:46 +0000</pubDate>
		<dc:creator>Karen</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Guest Post]]></category>
		<category><![CDATA[Real Estate Investing]]></category>
		<category><![CDATA[Bankruptcy]]></category>

		<guid isPermaLink="false">http://www.karensperspective.com/?p=6911</guid>
		<description><![CDATA[Bankruptcy filing is a severe setback to your financial condition. For those who are inclined toward real estate investment, you may think that this is the end of your investment dreams because you are no longer in the good books of your lenders and cannot&#8230;]]></description>
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		<slash:comments>4</slash:comments>
		</item>
		<item>
		<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/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=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/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=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/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=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>
		</item>
		<item>
		<title>Turned Down for a Mortgage?  What&#8217;s Next?</title>
		<link>http://www.karensperspective.com/turned-down-for-a-mortgage-whats-next/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=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>
		</item>
		<item>
		<title>Debit Card &#8211; do you use one?</title>
		<link>http://www.karensperspective.com/debit-card-do-you-use-one/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=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>
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