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	<title>Caraballo &#38; Associates &#187; credit</title>
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	<link>http://caraballoassociates.com</link>
	<description>Coaching people through Credit and Financial Recovery</description>
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		<title>My Secret Weapon for Credit Repair (At Least One of Them)</title>
		<link>http://caraballoassociates.com/my-secret-weapon-for-credit-repair-at-least-one-of-them/</link>
		<comments>http://caraballoassociates.com/my-secret-weapon-for-credit-repair-at-least-one-of-them/#comments</comments>
		<pubDate>Mon, 21 Jun 2010 14:00:39 +0000</pubDate>
		<dc:creator>Caraballo &#38; Associates</dc:creator>
				<category><![CDATA[Credit Reports and Scores]]></category>
		<category><![CDATA[Financial]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[assistance]]></category>
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		<guid isPermaLink="false">http://caraballoassociates.com/?p=497</guid>
		<description><![CDATA[For many years one of my biggest niches in the mortgage industry was helping people who did not qualify for a home loan improve their credit standing in order to become approve-able. It took me some years and a lot of studying to get to the point that I could look at a credit report, [...]]]></description>
		<wfw:commentRss>http://caraballoassociates.com/my-secret-weapon-for-credit-repair-at-least-one-of-them/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Should I Accept My Loan Modification&#8230;Part 6 (FINAL)</title>
		<link>http://caraballoassociates.com/should-i-accept-my-loan-modification-part-6-final/</link>
		<comments>http://caraballoassociates.com/should-i-accept-my-loan-modification-part-6-final/#comments</comments>
		<pubDate>Tue, 01 Jun 2010 14:00:57 +0000</pubDate>
		<dc:creator>Caraballo &#38; Associates</dc:creator>
				<category><![CDATA[Financial]]></category>
		<category><![CDATA[Mortgage Information]]></category>
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		<category><![CDATA[approval]]></category>
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		<category><![CDATA[monthly payment]]></category>
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		<guid isPermaLink="false">http://caraballoassociates.com/?p=1050</guid>
		<description><![CDATA[I feel like I have writing this series for a year. Actually it has been close to half a year. My first post on this subject was in November of &#8217;09. I actually started looking into it a few months before and sat on the decision for a while before I decided to take the [...]]]></description>
		<wfw:commentRss>http://caraballoassociates.com/should-i-accept-my-loan-modification-part-6-final/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>The Biggest Problems with Credit Counseling Agencies (Part 3)</title>
		<link>http://caraballoassociates.com/the-biggest-problems-with-credit-counseling-agencies-part-3/</link>
		<comments>http://caraballoassociates.com/the-biggest-problems-with-credit-counseling-agencies-part-3/#comments</comments>
		<pubDate>Mon, 24 May 2010 14:00:03 +0000</pubDate>
		<dc:creator>Caraballo &#38; Associates</dc:creator>
				<category><![CDATA[Financial]]></category>
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		<guid isPermaLink="false">http://caraballoassociates.com/?p=1004</guid>
		<description><![CDATA[The next problem I have found with most of these programs is the issue of due dates. Based on your monthly ritual of paying bills, you already have a really good understanding of due dates. Every credit card you have has a different due date and maybe even different grace periods. This is one reason [...]]]></description>
		<wfw:commentRss>http://caraballoassociates.com/the-biggest-problems-with-credit-counseling-agencies-part-3/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>The Biggest Problems with Credit Counseling Agencies (Part 2)</title>
		<link>http://caraballoassociates.com/the-biggest-problems-with-credit-counseling-agencies-part-2/</link>
		<comments>http://caraballoassociates.com/the-biggest-problems-with-credit-counseling-agencies-part-2/#comments</comments>
		<pubDate>Mon, 12 Apr 2010 14:00:12 +0000</pubDate>
		<dc:creator>Caraballo &#38; Associates</dc:creator>
				<category><![CDATA[Credit Reports and Scores]]></category>
		<category><![CDATA[Financial]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[assistance]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[credit]]></category>
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		<guid isPermaLink="false">http://caraballoassociates.com/?p=929</guid>
		<description><![CDATA[Now that we know what these programs are, let&#8217;s get into the deeper, scarier issues. The first real issue I have found with these types of companies is an issue of responsibility. You are giving money to a third party on a monthly basis in order for that third party to make your (hopefully adjusted) [...]]]></description>
		<wfw:commentRss>http://caraballoassociates.com/the-biggest-problems-with-credit-counseling-agencies-part-2/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>Should I Accept My Loan Modification&#8230;Part 5</title>
		<link>http://caraballoassociates.com/should-i-accept-my-loan-modification-part-5/</link>
		<comments>http://caraballoassociates.com/should-i-accept-my-loan-modification-part-5/#comments</comments>
		<pubDate>Mon, 15 Mar 2010 01:21:29 +0000</pubDate>
		<dc:creator>Caraballo &#38; Associates</dc:creator>
				<category><![CDATA[Financial]]></category>
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		<category><![CDATA[approval]]></category>
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		<category><![CDATA[credit]]></category>
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		<category><![CDATA[Loan mod]]></category>
		<category><![CDATA[loan modification]]></category>
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		<guid isPermaLink="false">http://caraballoassociates.com/?p=979</guid>
		<description><![CDATA[So after I spoke to the HUD Counselor, I waited a couple of weeks and then called the bank for a complete update. (I believe I have done all that has been asked of me and I think it is time for SOME kind of answer, or at least an indication of one). I called [...]]]></description>
		<wfw:commentRss>http://caraballoassociates.com/should-i-accept-my-loan-modification-part-5/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>The Problem With Credit Counseling Agencies (Part 1)</title>
		<link>http://caraballoassociates.com/the-problem-with-credit-counseling-agencies-part-1/</link>
		<comments>http://caraballoassociates.com/the-problem-with-credit-counseling-agencies-part-1/#comments</comments>
		<pubDate>Tue, 09 Feb 2010 01:43:50 +0000</pubDate>
		<dc:creator>Caraballo &#38; Associates</dc:creator>
				<category><![CDATA[Credit Reports and Scores]]></category>
		<category><![CDATA[Financial]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[approval]]></category>
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		<category><![CDATA[cccs]]></category>
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		<guid isPermaLink="false">http://caraballoassociates.com/?p=446</guid>
		<description><![CDATA[These companies have been around for years making promises of lower credit card payments, frozen interest rates, shorter pay-off schedules, etc. etc. These programs seem like a no-brainer for the person that is having trouble with their monthly credit obligations. Those of us that have had hardships and those of us that basically just let [...]]]></description>
		<wfw:commentRss>http://caraballoassociates.com/the-problem-with-credit-counseling-agencies-part-1/feed/</wfw:commentRss>
		<slash:comments>17</slash:comments>
		</item>
		<item>
		<title>Should I Accept My Loan Modification&#8230;Part 2</title>
		<link>http://caraballoassociates.com/should-i-accept-my-loan-modification-part-2/</link>
		<comments>http://caraballoassociates.com/should-i-accept-my-loan-modification-part-2/#comments</comments>
		<pubDate>Fri, 15 Jan 2010 04:39:23 +0000</pubDate>
		<dc:creator>Caraballo &#38; Associates</dc:creator>
				<category><![CDATA[Financial]]></category>
		<category><![CDATA[Mortgage Information]]></category>
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		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[loan amount]]></category>
		<category><![CDATA[Loan mod]]></category>
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		<guid isPermaLink="false">http://caraballoassociates.com/?p=806</guid>
		<description><![CDATA[Ok, so last time I wrote about this I was left a little confused. I was not given clear information, everyone I spoke to gave me a different answer to the same question, etc. etc. (Remember that I am sharing the story while at the same time what you see in italics and bold is [...]]]></description>
		<wfw:commentRss>http://caraballoassociates.com/should-i-accept-my-loan-modification-part-2/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>The Truth About Ordering Your Free Credit Report</title>
		<link>http://caraballoassociates.com/the-truth-about-ordering-your-own-credit-reports/</link>
		<comments>http://caraballoassociates.com/the-truth-about-ordering-your-own-credit-reports/#comments</comments>
		<pubDate>Fri, 23 Oct 2009 04:26:33 +0000</pubDate>
		<dc:creator>Caraballo &#38; Associates</dc:creator>
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		<guid isPermaLink="false">http://caraballoassociates.com/?p=443</guid>
		<description><![CDATA[Ordering one&#8217;s own credit report seems to be a source of fear and hesitation for many people.  &#8220;Will this affect my score?  Will my score drop?  How much will it drop?&#8221; These are all valid questions and concerns.  To add to the indecision and worry that one feels about this &#8220;not too clear subject&#8221; are [...]]]></description>
		<wfw:commentRss>http://caraballoassociates.com/the-truth-about-ordering-your-own-credit-reports/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
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