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	<title>Financial Hack &#187; Credit Score</title>
	<atom:link href="http://www.financialhack.com/category/credit-score/feed" rel="self" type="application/rss+xml" />
	<link>http://www.financialhack.com</link>
	<description>Digging my way out of debt</description>
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		<title>The truth in ‘predatory’ lending practices…(Part 3)</title>
		<link>http://www.financialhack.com/2009/03/18/10562_the-truth-in-%e2%80%98predatory%e2%80%99-lending-practices%e2%80%a6part-3.html</link>
		<comments>http://www.financialhack.com/2009/03/18/10562_the-truth-in-%e2%80%98predatory%e2%80%99-lending-practices%e2%80%a6part-3.html#comments</comments>
		<pubDate>Wed, 18 Mar 2009 12:00:12 +0000</pubDate>
		<dc:creator>Rebekah</dc:creator>
				<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[Life in General]]></category>
		<category><![CDATA[home ownership]]></category>
		<category><![CDATA[american dream]]></category>
		<category><![CDATA[ARM loan]]></category>
		<category><![CDATA[bad decision]]></category>
		<category><![CDATA[banks]]></category>
		<category><![CDATA[bit off more than they could chew]]></category>
		<category><![CDATA[borrowers]]></category>
		<category><![CDATA[clean up the mess]]></category>
		<category><![CDATA[conventional financing]]></category>
		<category><![CDATA[Darwin]]></category>
		<category><![CDATA[dumb]]></category>
		<category><![CDATA[fast rising home prices]]></category>
		<category><![CDATA[health affliction]]></category>
		<category><![CDATA[high cost pitfalls]]></category>
		<category><![CDATA[high interest loans]]></category>
		<category><![CDATA[idiocy]]></category>
		<category><![CDATA[interest only loan]]></category>
		<category><![CDATA[job loss]]></category>
		<category><![CDATA[make a buck]]></category>
		<category><![CDATA[market crash]]></category>
		<category><![CDATA[priviledge]]></category>
		<category><![CDATA[stated income loan]]></category>
		<category><![CDATA[stupid]]></category>
		<category><![CDATA[unclean hands]]></category>
		<category><![CDATA[uneducated]]></category>
		<category><![CDATA[unsophisticated consumers]]></category>
		<category><![CDATA[vicitmized homeowners]]></category>
		<category><![CDATA[victim]]></category>
		<category><![CDATA[victims]]></category>

		<guid isPermaLink="false">http://www.financialhack.com/?p=562</guid>
		<description><![CDATA[I was reading an article about ‘victimized’ homeowners. It said lenders ‘mostly targeted unsophisticated consumers with high-interest loans stuffed with high cost pitfalls’. I hate that a lot of borrowers are willing to be called ‘unsophisticated’ – heck, let’s call a spade a spade -borrowers are willing to be called stupid so they can be [...]]]></description>
		<wfw:commentRss>http://www.financialhack.com/2009/03/18/10562_the-truth-in-%e2%80%98predatory%e2%80%99-lending-practices%e2%80%a6part-3.html/feed</wfw:commentRss>
		<slash:comments>18</slash:comments>
		</item>
		<item>
		<title>The truth in ‘predatory’ lending practices…(Part 2)</title>
		<link>http://www.financialhack.com/2009/03/17/10560_the-truth-in-%e2%80%98predatory%e2%80%99-lending-practices%e2%80%a6part-2.html</link>
		<comments>http://www.financialhack.com/2009/03/17/10560_the-truth-in-%e2%80%98predatory%e2%80%99-lending-practices%e2%80%a6part-2.html#comments</comments>
		<pubDate>Tue, 17 Mar 2009 12:00:06 +0000</pubDate>
		<dc:creator>Rebekah</dc:creator>
				<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[Life in General]]></category>
		<category><![CDATA[home ownership]]></category>
		<category><![CDATA[bad debt]]></category>
		<category><![CDATA[bad loan]]></category>
		<category><![CDATA[burden]]></category>
		<category><![CDATA[calculated the costs]]></category>
		<category><![CDATA[credit history]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[divorce]]></category>
		<category><![CDATA[evaluated terms]]></category>
		<category><![CDATA[financing]]></category>
		<category><![CDATA[good conscience]]></category>
		<category><![CDATA[home loan]]></category>
		<category><![CDATA[job loss]]></category>
		<category><![CDATA[lender]]></category>
		<category><![CDATA[loan docs]]></category>
		<category><![CDATA[loss of home value]]></category>
		<category><![CDATA[low credit score]]></category>
		<category><![CDATA[never been late]]></category>
		<category><![CDATA[page by page]]></category>
		<category><![CDATA[paperwork]]></category>
		<category><![CDATA[preschooler]]></category>
		<category><![CDATA[read]]></category>
		<category><![CDATA[reliable]]></category>
		<category><![CDATA[reliquish rights]]></category>
		<category><![CDATA[responsible]]></category>
		<category><![CDATA[salary]]></category>
		<category><![CDATA[society]]></category>
		<category><![CDATA[stated income loan]]></category>
		<category><![CDATA[studied information]]></category>
		<category><![CDATA[vague information]]></category>
		<category><![CDATA[walk away]]></category>
		<category><![CDATA[wisdom]]></category>

		<guid isPermaLink="false">http://www.financialhack.com/?p=560</guid>
		<description><![CDATA[When we started looking for a house, we were notified that our only option was a ‘stated income loan’ meaning, we would claim both our salaries, none of his credit history or the debt, and only borrow in my name. And yes, our lender was the one who instructed us how to do it. We [...]]]></description>
		<wfw:commentRss>http://www.financialhack.com/2009/03/17/10560_the-truth-in-%e2%80%98predatory%e2%80%99-lending-practices%e2%80%a6part-2.html/feed</wfw:commentRss>
		<slash:comments>8</slash:comments>
		</item>
		<item>
		<title>The truth in ‘predatory’ lending practices…</title>
		<link>http://www.financialhack.com/2009/03/16/10558_the-truth-in-%e2%80%98predatory%e2%80%99-lending-practices%e2%80%a6.html</link>
		<comments>http://www.financialhack.com/2009/03/16/10558_the-truth-in-%e2%80%98predatory%e2%80%99-lending-practices%e2%80%a6.html#comments</comments>
		<pubDate>Mon, 16 Mar 2009 12:00:34 +0000</pubDate>
		<dc:creator>Rebekah</dc:creator>
				<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[Life in General]]></category>
		<category><![CDATA[home ownership]]></category>
		<category><![CDATA[400]]></category>
		<category><![CDATA[build roots]]></category>
		<category><![CDATA[buy a house]]></category>
		<category><![CDATA[california lawsuit]]></category>
		<category><![CDATA[cell phones]]></category>
		<category><![CDATA[clean hands]]></category>
		<category><![CDATA[collections]]></category>
		<category><![CDATA[credit limit]]></category>
		<category><![CDATA[dark time]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[high credit score]]></category>
		<category><![CDATA[high interest]]></category>
		<category><![CDATA[hope]]></category>
		<category><![CDATA[late payment history]]></category>
		<category><![CDATA[life altering]]></category>
		<category><![CDATA[missed payments]]></category>
		<category><![CDATA[mortgage lenders]]></category>
		<category><![CDATA[over the limit fee]]></category>
		<category><![CDATA[poor payment history]]></category>
		<category><![CDATA[predatory lending]]></category>
		<category><![CDATA[victimized]]></category>

		<guid isPermaLink="false">http://www.financialhack.com/?p=558</guid>
		<description><![CDATA[The fledging economy, fueled mostly by the housing market, has caused people to point fingers of fault. A good number of those fingers are pointed at mortgage lenders. But the question is… are our borrowing hands clean? According to the results of a lawsuit in California, I was ‘victimized’ by my mortgage lender. But I’ll [...]]]></description>
		<wfw:commentRss>http://www.financialhack.com/2009/03/16/10558_the-truth-in-%e2%80%98predatory%e2%80%99-lending-practices%e2%80%a6.html/feed</wfw:commentRss>
		<slash:comments>7</slash:comments>
		</item>
		<item>
		<title>Dental Help…</title>
		<link>http://www.financialhack.com/2009/03/10/10552_dental-help%e2%80%a6.html</link>
		<comments>http://www.financialhack.com/2009/03/10/10552_dental-help%e2%80%a6.html#comments</comments>
		<pubDate>Tue, 10 Mar 2009 12:00:06 +0000</pubDate>
		<dc:creator>Rebekah</dc:creator>
				<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[Life in General]]></category>
		<category><![CDATA[health]]></category>
		<category><![CDATA[2008]]></category>
		<category><![CDATA[90 days late]]></category>
		<category><![CDATA[accounting]]></category>
		<category><![CDATA[bad credit]]></category>
		<category><![CDATA[bad teeth]]></category>
		<category><![CDATA[credit bureau]]></category>
		<category><![CDATA[date of service]]></category>
		<category><![CDATA[dentist]]></category>
		<category><![CDATA[maintenance]]></category>
		<category><![CDATA[marshmallow teeth]]></category>
		<category><![CDATA[no explanation]]></category>
		<category><![CDATA[pay asap]]></category>
		<category><![CDATA[paying dental bills]]></category>
		<category><![CDATA[payment]]></category>
		<category><![CDATA[satan]]></category>
		<category><![CDATA[scathing letter]]></category>
		<category><![CDATA[service provided]]></category>
		<category><![CDATA[services rendered]]></category>
		<category><![CDATA[worst accounting staff]]></category>

		<guid isPermaLink="false">http://www.financialhack.com/?p=552</guid>
		<description><![CDATA[As I’ve mentioned before, I have really bad teeth. Sure they look great… but they should considering I spend an average of $2,000 a year in maintenance. In light of this, I’ve grown accustomed to paying dental bills but… I was a little thrown off at my last one: Bill From: Satan. *cough* My dentist. [...]]]></description>
		<wfw:commentRss>http://www.financialhack.com/2009/03/10/10552_dental-help%e2%80%a6.html/feed</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Keeping a financial focus when your world is crowded…</title>
		<link>http://www.financialhack.com/2009/02/03/10500_keeping-a-financial-focus-when-your-world-is-crowded%e2%80%a6.html</link>
		<comments>http://www.financialhack.com/2009/02/03/10500_keeping-a-financial-focus-when-your-world-is-crowded%e2%80%a6.html#comments</comments>
		<pubDate>Tue, 03 Feb 2009 12:00:50 +0000</pubDate>
		<dc:creator>Rebekah</dc:creator>
				<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[Life in General]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[attorney]]></category>
		<category><![CDATA[county office]]></category>
		<category><![CDATA[drained emotionally]]></category>
		<category><![CDATA[drained physically]]></category>
		<category><![CDATA[financial future]]></category>
		<category><![CDATA[free time]]></category>
		<category><![CDATA[home ownership]]></category>
		<category><![CDATA[less focus]]></category>
		<category><![CDATA[never-ending]]></category>
		<category><![CDATA[one year anniversary]]></category>
		<category><![CDATA[paperwork]]></category>
		<category><![CDATA[random lawsuit fee]]></category>
		<category><![CDATA[request information]]></category>
		<category><![CDATA[ruin your life]]></category>
		<category><![CDATA[saga]]></category>
		<category><![CDATA[secret]]></category>
		<category><![CDATA[start budgeting]]></category>
		<category><![CDATA[sued]]></category>

		<guid isPermaLink="false">http://www.financialhack.com/?p=500</guid>
		<description><![CDATA[I’ve been keeping a secret. I’m being sued. I didn’t do anything. I wasn’t involved in anything. I just happened to own a home. That was all it took. Obviously, I can’t say anything about the case since it’s ongoing. We’ll have the one year anniversary of the start of this mess next week… and [...]]]></description>
		<wfw:commentRss>http://www.financialhack.com/2009/02/03/10500_keeping-a-financial-focus-when-your-world-is-crowded%e2%80%a6.html/feed</wfw:commentRss>
		<slash:comments>9</slash:comments>
		</item>
		<item>
		<title>Internet hooky…</title>
		<link>http://www.financialhack.com/2009/02/02/10502_internet-hooky%e2%80%a6.html</link>
		<comments>http://www.financialhack.com/2009/02/02/10502_internet-hooky%e2%80%a6.html#comments</comments>
		<pubDate>Mon, 02 Feb 2009 12:00:57 +0000</pubDate>
		<dc:creator>Rebekah</dc:creator>
				<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[Life in General]]></category>
		<category><![CDATA[Personality]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[account information]]></category>
		<category><![CDATA[budget software]]></category>
		<category><![CDATA[debt update]]></category>
		<category><![CDATA[don't rely on the internet]]></category>
		<category><![CDATA[e-bills]]></category>
		<category><![CDATA[financial lesson]]></category>
		<category><![CDATA[fritz]]></category>
		<category><![CDATA[hard drive]]></category>
		<category><![CDATA[inconvenient]]></category>
		<category><![CDATA[internet explorer]]></category>
		<category><![CDATA[internet service]]></category>
		<category><![CDATA[loan company]]></category>
		<category><![CDATA[microchips]]></category>
		<category><![CDATA[no back-up]]></category>
		<category><![CDATA[not connected to the internet]]></category>
		<category><![CDATA[online]]></category>
		<category><![CDATA[online bill pay]]></category>
		<category><![CDATA[wireless router]]></category>
		<category><![CDATA[wireless secutiry blocks]]></category>

		<guid isPermaLink="false">http://www.financialhack.com/?p=502</guid>
		<description><![CDATA[Our internet has recently been spouting messages of ‘Internet Explorer cannot display the webpage’ and ‘You are not connected to the internet’. It’s not inconvenient at all. Unless you pay 90% percent of your bills online and your budget software is also online… Like mine. So, that fabulous debt update I had is… not ready. [...]]]></description>
		<wfw:commentRss>http://www.financialhack.com/2009/02/02/10502_internet-hooky%e2%80%a6.html/feed</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Spilling the financial beans…</title>
		<link>http://www.financialhack.com/2009/01/27/10494_spilling-the-financial-beans%e2%80%a6.html</link>
		<comments>http://www.financialhack.com/2009/01/27/10494_spilling-the-financial-beans%e2%80%a6.html#comments</comments>
		<pubDate>Tue, 27 Jan 2009 12:00:16 +0000</pubDate>
		<dc:creator>Rebekah</dc:creator>
				<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[Life in General]]></category>
		<category><![CDATA[Personality]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[bathroom remodel]]></category>
		<category><![CDATA[credit card addiction]]></category>
		<category><![CDATA[financial plan]]></category>
		<category><![CDATA[financial situation]]></category>
		<category><![CDATA[football]]></category>
		<category><![CDATA[grandparents]]></category>
		<category><![CDATA[ignite a fire]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[my lips are sealed]]></category>
		<category><![CDATA[new car]]></category>
		<category><![CDATA[nod their heads in shame]]></category>
		<category><![CDATA[Plasma TV]]></category>
		<category><![CDATA[private person]]></category>
		<category><![CDATA[progress]]></category>
		<category><![CDATA[puppies]]></category>
		<category><![CDATA[purse girl]]></category>
		<category><![CDATA[San Diego Chargers]]></category>
		<category><![CDATA[shoe girl]]></category>
		<category><![CDATA[tackle]]></category>
		<category><![CDATA[vacation]]></category>
		<category><![CDATA[weather]]></category>

		<guid isPermaLink="false">http://www.financialhack.com/?p=494</guid>
		<description><![CDATA[I know this sounds funny but… I’m a very private person. Stop laughing. I’m serious. I don’t mind sharing things with all of you but when it comes to sharing things with family… my lips are sealed. I haven’t exactly shared our financial situation with Chris’ grandparents. You know, the ones who told us not [...]]]></description>
		<wfw:commentRss>http://www.financialhack.com/2009/01/27/10494_spilling-the-financial-beans%e2%80%a6.html/feed</wfw:commentRss>
		<slash:comments>9</slash:comments>
		</item>
		<item>
		<title>Getting a REAL copy of your credit report…</title>
		<link>http://www.financialhack.com/2009/01/20/10486_getting-a-real-copy-of-your-credit-report%e2%80%a6.html</link>
		<comments>http://www.financialhack.com/2009/01/20/10486_getting-a-real-copy-of-your-credit-report%e2%80%a6.html#comments</comments>
		<pubDate>Tue, 20 Jan 2009 12:00:27 +0000</pubDate>
		<dc:creator>Rebekah</dc:creator>
				<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[Life in General]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[annualcreditreport.com]]></category>
		<category><![CDATA[brain function]]></category>
		<category><![CDATA[commercial]]></category>
		<category><![CDATA[credit monitoring agency]]></category>
		<category><![CDATA[credit monitoring services]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[financial institutions]]></category>
		<category><![CDATA[fraud alert]]></category>
		<category><![CDATA[free credit report]]></category>
		<category><![CDATA[freecreditreport.com]]></category>
		<category><![CDATA[good name]]></category>
		<category><![CDATA[home finance]]></category>
		<category><![CDATA[job loss]]></category>
		<category><![CDATA[losing your identity]]></category>
		<category><![CDATA[major credit reporting agencies]]></category>
		<category><![CDATA[pirate singer]]></category>
		<category><![CDATA[purse stolen]]></category>
		<category><![CDATA[risk]]></category>
		<category><![CDATA[singing pirate]]></category>
		<category><![CDATA[small fortune]]></category>
		<category><![CDATA[social security number]]></category>
		<category><![CDATA[stolen identity]]></category>
		<category><![CDATA[ticking time bomb]]></category>
		<category><![CDATA[tragedy]]></category>
		<category><![CDATA[TV commercial]]></category>

		<guid isPermaLink="false">http://www.financialhack.com/?p=486</guid>
		<description><![CDATA[The only person who can RELIABLY monitor your credit is Y-O-U.]]></description>
		<wfw:commentRss>http://www.financialhack.com/2009/01/20/10486_getting-a-real-copy-of-your-credit-report%e2%80%a6.html/feed</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
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