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	<title>tcurranmortgage: Trevor Curran: Mortgages, Real Estate and First Time Buyers &#187; All You Need To Know About Credit</title>
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	<description>Thoughts and information on mortgages, home buying and real estate</description>
	<lastBuildDate>Tue, 22 Nov 2011 17:58:39 +0000</lastBuildDate>
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		<title>Your Credit Score is Less than 620 And You Want To Buy A Home</title>
		<link>http://www.tcurranmortgage.com/2011/09/28/your-credit-score-is-less-than-620-and-you-want-to-buy-a-home/</link>
		<comments>http://www.tcurranmortgage.com/2011/09/28/your-credit-score-is-less-than-620-and-you-want-to-buy-a-home/#comments</comments>
		<pubDate>Wed, 28 Sep 2011 13:08:19 +0000</pubDate>
		<dc:creator>Trevor</dc:creator>
				<category><![CDATA[All You Need To Know About Credit]]></category>
		<category><![CDATA[First Time Homebuyers]]></category>

		<guid isPermaLink="false">http://www.tcurranmortgage.com/?p=434</guid>
		<description><![CDATA[The best way to buy a home is to have a decent credit history combined with sufficient Income and Assets for a home purchase.

The best way to have a decent credit history is to settle negative outstanding obligations and pay all your bills on time for at least two years.]]></description>
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		</item>
		<item>
		<title>NO CREDIT?  Not a BAD Thing</title>
		<link>http://www.tcurranmortgage.com/2011/01/21/no-credit-not-a-bad-thing/</link>
		<comments>http://www.tcurranmortgage.com/2011/01/21/no-credit-not-a-bad-thing/#comments</comments>
		<pubDate>Fri, 21 Jan 2011 15:36:16 +0000</pubDate>
		<dc:creator>Trevor</dc:creator>
				<category><![CDATA[All You Need To Know About Credit]]></category>
		<category><![CDATA[First Time Homebuyers]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[FHA mortgage]]></category>
		<category><![CDATA[free credit score]]></category>

		<guid isPermaLink="false">http://www.tcurranmortgage.com/?p=393</guid>
		<description><![CDATA[In the absence of a credit score and established credit history on a credit report, alternative credit references are perfectly acceptable to help you obtain an FHA mortgage.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How To Settle A Collection Account</title>
		<link>http://www.tcurranmortgage.com/2010/04/08/how-to-settle-a-collection-account/</link>
		<comments>http://www.tcurranmortgage.com/2010/04/08/how-to-settle-a-collection-account/#comments</comments>
		<pubDate>Thu, 08 Apr 2010 15:59:33 +0000</pubDate>
		<dc:creator>Trevor</dc:creator>
				<category><![CDATA[]]></category>
		<category><![CDATA[All You Need To Know About Credit]]></category>
		<category><![CDATA[First Time Homebuyers]]></category>
		<category><![CDATA[collection account]]></category>
		<category><![CDATA[collection agency]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[free credit score]]></category>

		<guid isPermaLink="false">http://www.tcurranmortgage.com/?p=302</guid>
		<description><![CDATA[Collection accounts need to be settled (paid) in order to qualify for mortgage financing. ]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Don&#8217;t Close those Credit Cards: Your Score could DROP</title>
		<link>http://www.tcurranmortgage.com/2010/03/26/dont-close-those-credit-cards-your-score-could-drop/</link>
		<comments>http://www.tcurranmortgage.com/2010/03/26/dont-close-those-credit-cards-your-score-could-drop/#comments</comments>
		<pubDate>Fri, 26 Mar 2010 14:59:58 +0000</pubDate>
		<dc:creator>Trevor</dc:creator>
				<category><![CDATA[All You Need To Know About Credit]]></category>
		<category><![CDATA[First Time Homebuyers]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[free credit score]]></category>

		<guid isPermaLink="false">http://www.tcurranmortgage.com/?p=375</guid>
		<description><![CDATA[I have seen folks with fantastic credit have their credit scores drop dramatically because in the months before they met me for the mortgage prequalification they paid off and closed their credit card accounts]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FTC Strikes Against ID Theft Protection &#8220;Guarantee&#8221;</title>
		<link>http://www.tcurranmortgage.com/2010/03/15/ftc-strikes-against-id-theft-protection-guarantee/</link>
		<comments>http://www.tcurranmortgage.com/2010/03/15/ftc-strikes-against-id-theft-protection-guarantee/#comments</comments>
		<pubDate>Mon, 15 Mar 2010 13:44:47 +0000</pubDate>
		<dc:creator>Trevor</dc:creator>
				<category><![CDATA[All You Need To Know About Credit]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[free credit score]]></category>
		<category><![CDATA[Identity Theft]]></category>

		<guid isPermaLink="false">http://www.tcurranmortgage.com/?p=371</guid>
		<description><![CDATA[The Federal Trade Commission announced a settlement with LifeLock for misleading claims about its Identity Theft Protection services.
]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The MYTH of Credit Inquiries</title>
		<link>http://www.tcurranmortgage.com/2010/01/21/the-myth-of-credit-inquiries/</link>
		<comments>http://www.tcurranmortgage.com/2010/01/21/the-myth-of-credit-inquiries/#comments</comments>
		<pubDate>Thu, 21 Jan 2010 17:48:13 +0000</pubDate>
		<dc:creator>Trevor</dc:creator>
				<category><![CDATA[All You Need To Know About Credit]]></category>
		<category><![CDATA[First Time Homebuyers]]></category>

		<guid isPermaLink="false">http://www.tcurranmortgage.com/?p=361</guid>
		<description><![CDATA[Multiple mortgage inquiries do not affect a credit score.
]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>No Credit Does NOT Mean &#8220;Bad&#8221; Credit</title>
		<link>http://www.tcurranmortgage.com/2009/04/21/no-credit-does-not-mean-bad-credit/</link>
		<comments>http://www.tcurranmortgage.com/2009/04/21/no-credit-does-not-mean-bad-credit/#comments</comments>
		<pubDate>Wed, 22 Apr 2009 03:13:39 +0000</pubDate>
		<dc:creator>Trevor</dc:creator>
				<category><![CDATA[]]></category>
		<category><![CDATA[All You Need To Know About Credit]]></category>
		<category><![CDATA[First Time Homebuyers]]></category>
		<category><![CDATA[bad credit mortgage loan]]></category>
		<category><![CDATA[Bronx FHA mortgage]]></category>
		<category><![CDATA[Bronx mortgage]]></category>
		<category><![CDATA[Brooklyn FHA mortgage]]></category>
		<category><![CDATA[FHA]]></category>
		<category><![CDATA[FHA Loa]]></category>
		<category><![CDATA[fha mortgage broker]]></category>
		<category><![CDATA[new rochelle]]></category>
		<category><![CDATA[no credit mortgage loan]]></category>
		<category><![CDATA[Powerhouse Solutions]]></category>

		<guid isPermaLink="false">http://www.tcurranmortgage.com/?p=307</guid>
		<description><![CDATA[No credit means just that: here’s a person who has no established credit history.]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>NYS Attorney General Steps Up To Stop &#8220;Default Judgments&#8221;</title>
		<link>http://www.tcurranmortgage.com/2009/04/14/nys-attorney-general-steps-up-to-stop-default-judgments/</link>
		<comments>http://www.tcurranmortgage.com/2009/04/14/nys-attorney-general-steps-up-to-stop-default-judgments/#comments</comments>
		<pubDate>Tue, 14 Apr 2009 10:50:37 +0000</pubDate>
		<dc:creator>Trevor</dc:creator>
				<category><![CDATA[All You Need To Know About Credit]]></category>
		<category><![CDATA[bad credit]]></category>
		<category><![CDATA[collection account]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[default judgment]]></category>
		<category><![CDATA[free credit report]]></category>
		<category><![CDATA[free credit score]]></category>
		<category><![CDATA[judgment]]></category>

		<guid isPermaLink="false">http://www.tcurranmortgage.com/?p=299</guid>
		<description><![CDATA[I&#8217;ve been reading credit reports for 20 years. Often I&#8217;ll ask a client the status of a judgment that appears on the credit report. We&#8217;ll need an explanation for the derogatory credit account and the judgment may need to be paid and a Satisfaction of Judgment obtained in order to get the client&#8217;s mortgage loan [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Credit Basics: Let&#8217;s Get Started</title>
		<link>http://www.tcurranmortgage.com/2007/04/16/credit-basics-lets-get-started/</link>
		<comments>http://www.tcurranmortgage.com/2007/04/16/credit-basics-lets-get-started/#comments</comments>
		<pubDate>Tue, 17 Apr 2007 00:08:12 +0000</pubDate>
		<dc:creator>Trevor</dc:creator>
				<category><![CDATA[All You Need To Know About Credit]]></category>
		<category><![CDATA[First Time Homebuyers]]></category>

		<guid isPermaLink="false">http://www.tcurranmortgage.com/blog/2007/04/16/credit-basics-lets-get-started/</guid>
		<description><![CDATA[It's more important than ever for consumers to understand some fundamental issues about their credit reports.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>About Credit Reports: What you really need to know</title>
		<link>http://www.tcurranmortgage.com/2006/10/12/about-credit-reports-what-you-really-need-to-know/</link>
		<comments>http://www.tcurranmortgage.com/2006/10/12/about-credit-reports-what-you-really-need-to-know/#comments</comments>
		<pubDate>Thu, 12 Oct 2006 17:16:43 +0000</pubDate>
		<dc:creator>Trevor</dc:creator>
				<category><![CDATA[All You Need To Know About Credit]]></category>

		<guid isPermaLink="false">http://www.tcurranmortgage.com/blog/2006/10/12/about-credit-reports-what-you-really-need-to-know/</guid>
		<description><![CDATA[In an effort to simplify the whole credit report shebang and provide a starting point, here's some advice I posted on LifeHacker.com earlier today.]]></description>
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