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	<title>Palm Springs Real Estate &#187; Credit Tips</title>
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	<link>http://edbrophy.com</link>
	<description>Ed Brophy, REALTOR®</description>
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		<title>Fear Can Lead to Poor Financial Choices</title>
		<link>http://edbrophy.com/fear-can-lead-to-poor-financial-choices/</link>
		<comments>http://edbrophy.com/fear-can-lead-to-poor-financial-choices/#comments</comments>
		<pubDate>Thu, 30 Sep 2010 16:29:55 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Credit Tips]]></category>
		<category><![CDATA[best mortgage rates]]></category>
		<category><![CDATA[california home loans]]></category>
		<category><![CDATA[california mortgage]]></category>
		<category><![CDATA[California Mortgage Broker]]></category>
		<category><![CDATA[california mortgage lender]]></category>
		<category><![CDATA[california mortgage rate]]></category>
		<category><![CDATA[california mortgage rate refinance]]></category>
		<category><![CDATA[california real estate]]></category>
		<category><![CDATA[CredAbility]]></category>
		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[home loans]]></category>
		<category><![CDATA[home mortgage]]></category>
		<category><![CDATA[home mortgage rates]]></category>
		<category><![CDATA[HomePath Mortgage Financing]]></category>
		<category><![CDATA[HomePath Renovation Mortgage]]></category>
		<category><![CDATA[Loan Agency]]></category>
		<category><![CDATA[Mortgage Banker]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[Mortgage Lender]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=2803</guid>
		<description><![CDATA[Life is full of emotions, but fear can hurt the most. It is strong enough to change a whole community and way of life. And when it comes to money, it&#8217;s no different. Fear controls the pocketbook, and too often it gets in the way of financial success. There are three ways fear can grip [...]]]></description>
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		<title>Improve Your Credit Score Before Searching for a Home</title>
		<link>http://edbrophy.com/improve-your-credit-score-before-searching-for-a-home/</link>
		<comments>http://edbrophy.com/improve-your-credit-score-before-searching-for-a-home/#comments</comments>
		<pubDate>Sat, 18 Sep 2010 17:17:29 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Credit Tips]]></category>
		<category><![CDATA[best mortgage rates]]></category>
		<category><![CDATA[california home loans]]></category>
		<category><![CDATA[california mortgage]]></category>
		<category><![CDATA[California Mortgage Broker]]></category>
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		<category><![CDATA[home loans]]></category>
		<category><![CDATA[home mortgage]]></category>
		<category><![CDATA[home mortgage rates]]></category>
		<category><![CDATA[JoAnne Gilliam]]></category>
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		<category><![CDATA[Mortgage Banker]]></category>
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		<category><![CDATA[Moving Tips]]></category>
		<category><![CDATA[Palm Spring Real Estate]]></category>
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		<category><![CDATA[Rancho Mirage Homes for Sale]]></category>
		<category><![CDATA[Rancho Mirage Real Estate]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=2385</guid>
		<description><![CDATA[Many prospective homeowners find out the hard way the importance of a good credit score when they apply for a home mortgage, especially after the subprime loan crisis. If you are considering buying a home in the near future, it is a good idea to give your credit score a check-up and then take positive [...]]]></description>
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		<title>Credit Score Urban Legends Debunked</title>
		<link>http://edbrophy.com/credit-score-urban-legends-debunked/</link>
		<comments>http://edbrophy.com/credit-score-urban-legends-debunked/#comments</comments>
		<pubDate>Thu, 24 Jun 2010 20:24:41 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Credit Tips]]></category>
		<category><![CDATA[American Financial Network]]></category>
		<category><![CDATA[california home loans]]></category>
		<category><![CDATA[california mortgage]]></category>
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		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[firefighter]]></category>
		<category><![CDATA[Good Neighbor Next Door Sales Program]]></category>
		<category><![CDATA[home purchase]]></category>
		<category><![CDATA[homes for sale]]></category>
		<category><![CDATA[HUD Good Neighbor Next Door Sales Program]]></category>
		<category><![CDATA[Loan Agency]]></category>
		<category><![CDATA[Mortgage Banker]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[Mortgage Lender]]></category>
		<category><![CDATA[Moving Tips]]></category>
		<category><![CDATA[police officer]]></category>
		<category><![CDATA[real estate investing]]></category>
		<category><![CDATA[teacher]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=1720</guid>
		<description><![CDATA[Credit Score Urban Legends Debunked When I get married, do my spouse and I get a joint credit score? If I get a raise at work, will my credit score go up? These are common questions asked every day by many Americans because credit scores are seemingly arbitrary numbersand credit reports are lengthy and unintelligible. [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Ten Credit Do&#8217;s and Don&#8217;ts To Bear In Mind Prior To Getting Your Mortgage Loan</title>
		<link>http://edbrophy.com/ten-credit-dos-and-donts-to-bear-in-mind-prior-to-getting-your-mortgage-loan/</link>
		<comments>http://edbrophy.com/ten-credit-dos-and-donts-to-bear-in-mind-prior-to-getting-your-mortgage-loan/#comments</comments>
		<pubDate>Thu, 17 Jun 2010 18:15:36 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Credit Tips]]></category>
		<category><![CDATA[American Financial Network]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[credit tips]]></category>
		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[home financing]]></category>
		<category><![CDATA[home loans]]></category>
		<category><![CDATA[Loan Agency]]></category>
		<category><![CDATA[Mortgage Banker]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[Mortgage Lender]]></category>
		<category><![CDATA[mortgages]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=1899</guid>
		<description><![CDATA[How can a fully approved loan get denied for funding after the borrower has signed loan docs? Simple, the underwriter pulls an updated credit report to verify that there hasn’t been any new activity since original approval was issued, and the new findings kill the loan. This generally won’t happen in a 30 day time-frame, but [...]]]></description>
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		<title>Six Simple Tips to Help You Save</title>
		<link>http://edbrophy.com/six-simple-tips-to-help-you-save/</link>
		<comments>http://edbrophy.com/six-simple-tips-to-help-you-save/#comments</comments>
		<pubDate>Thu, 03 Jun 2010 16:36:44 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Credit Tips]]></category>
		<category><![CDATA[American Financial Network]]></category>
		<category><![CDATA[California Home Loan]]></category>
		<category><![CDATA[california home loans]]></category>
		<category><![CDATA[california mortgage]]></category>
		<category><![CDATA[California Mortgage Broker]]></category>
		<category><![CDATA[california mortgages]]></category>
		<category><![CDATA[Dr. David Eccels]]></category>
		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[Mortgage Banker]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[Mortgage Lender]]></category>
		<category><![CDATA[mortgage lenders]]></category>
		<category><![CDATA[Palm Springs Mortgage Broker]]></category>
		<category><![CDATA[Simple 6]]></category>
		<category><![CDATA[Six Simple Tips to Help You Save]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=1375</guid>
		<description><![CDATA[Six Simple Tips to Help You Save Pick the brains of the most &#8220;financially fit&#8221; Americans, then dissect their good habits. That&#8217;s the premise of a new study from Florida State University, where researchers identified the common traits of everyday folks with high levels of financial well-being. The results? Surprisingly, some very basic habits, says [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Five Financial Tips to Keep You on Track</title>
		<link>http://edbrophy.com/five-financial-tips-to-keep-you-on-track/</link>
		<comments>http://edbrophy.com/five-financial-tips-to-keep-you-on-track/#comments</comments>
		<pubDate>Tue, 25 May 2010 16:09:11 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Credit Tips]]></category>
		<category><![CDATA[American Financial Network]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[credit tips]]></category>
		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[home financing]]></category>
		<category><![CDATA[home loans]]></category>
		<category><![CDATA[Loan Agency]]></category>
		<category><![CDATA[Mortgage Banker]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[Mortgage Lender]]></category>
		<category><![CDATA[mortgages]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=1065</guid>
		<description><![CDATA[Use these ideas to help you save and stay on the right track With the economic hurdles over the past 18 months, it’s easy to see how some people may have lost their financial way. Rather than making drastic changes, sometimes the best route to financial security is setting small, yet achievable goals. Here are [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Rounding Up Debt Payments: Does It Really Help?</title>
		<link>http://edbrophy.com/rounding-up-debt-payments-does-it-really-help/</link>
		<comments>http://edbrophy.com/rounding-up-debt-payments-does-it-really-help/#comments</comments>
		<pubDate>Sat, 24 Apr 2010 14:29:36 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Credit Tips]]></category>
		<category><![CDATA[Rounding Up Debt Payments]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=860</guid>
		<description><![CDATA[Rounding Up Debt Payments: Does It Really Help? by: Trent Ham May 5, 2009 One technique that I’ve always used to make my personal finance management easier is to round up regular debt repayments to the nearest $10 or $100. I do this for two reasons. First, a round number is much easier to handle [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>6 Biggest, Most Common &amp; Costly Mistakes Homebuyers Make</title>
		<link>http://edbrophy.com/6-biggest-most-common-costly-mistakes-homebuyers-make/</link>
		<comments>http://edbrophy.com/6-biggest-most-common-costly-mistakes-homebuyers-make/#comments</comments>
		<pubDate>Wed, 21 Apr 2010 14:39:46 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Credit Tips]]></category>
		<category><![CDATA[Hot Topics]]></category>
		<category><![CDATA[6 biggest homebuyer mistakes]]></category>
		<category><![CDATA[california home loans]]></category>
		<category><![CDATA[california mortgages]]></category>
		<category><![CDATA[california real estate]]></category>
		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[homebuyer mistakes]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=804</guid>
		<description><![CDATA[Buying a home is probably the biggest purchase most people will make, yet they go into it blind and most make the six biggest, most common and costly mistakes homebuyers make.  With a little guidance from your Mortgage Professional and your Realtor you can avoid these mistakes. Not knowing your credit score. If you&#8217;re contemplating a home [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Credit Tips That Will Score Lower Interest Rates</title>
		<link>http://edbrophy.com/credit-tips-that-will-score-lower-interest-rates/</link>
		<comments>http://edbrophy.com/credit-tips-that-will-score-lower-interest-rates/#comments</comments>
		<pubDate>Thu, 15 Apr 2010 12:29:07 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Credit Tips]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[credit tips]]></category>
		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[home financing]]></category>
		<category><![CDATA[home loans]]></category>
		<category><![CDATA[mortgages]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=267</guid>
		<description><![CDATA[A good credit score translates into lower interest rates for home-shopping borrowers. In a mortgage lender&#8217;s eyes, the higher your score is, the less risk you are, and the more likely it is you will pay off your debt. For this reason, borrowers with lower scores usually end up paying higher interest rates on their [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>Credit Scoring &#8211; Part IV: Credit Remediation</title>
		<link>http://edbrophy.com/credit-scoring-part-iv-credit-remediation/</link>
		<comments>http://edbrophy.com/credit-scoring-part-iv-credit-remediation/#comments</comments>
		<pubDate>Mon, 12 Apr 2010 14:23:04 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Credit Tips]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[credit scoring]]></category>
		<category><![CDATA[credit tips]]></category>
		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[fico]]></category>
		<category><![CDATA[home loans]]></category>
		<category><![CDATA[home mortgage]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[refinance]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=207</guid>
		<description><![CDATA[If you have clients or you yourself are in need of credit remediation,  you should seek to align yourself with a credible referral source for credit repair. While government web sites will suggest that self-help may be the best option, keep in mind that for the most part these people lack discipline when it comes [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Credit Score &#8211; Part III: Dealing with Challenges</title>
		<link>http://edbrophy.com/credit-score-part-iii-dealing-with-challenges/</link>
		<comments>http://edbrophy.com/credit-score-part-iii-dealing-with-challenges/#comments</comments>
		<pubDate>Sun, 11 Apr 2010 17:46:30 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Credit Tips]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[credit scoring]]></category>
		<category><![CDATA[credit tips]]></category>
		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[fico]]></category>
		<category><![CDATA[home loans]]></category>
		<category><![CDATA[home mortgage]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[refinance]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=202</guid>
		<description><![CDATA[Typically, a person with a bad credit score is in this position because they lack structure in their life. There are, of course, cases where unplanned health or employment complications are to blame, but for the most part, these are individuals who lack the discipline to pay their bills on time or curb their spending. [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Credit Score &#8211; Part II: The Five Factors of Credit Scoring</title>
		<link>http://edbrophy.com/credit-scoring-part-ii-the-five-factors-of-credit-scoring/</link>
		<comments>http://edbrophy.com/credit-scoring-part-ii-the-five-factors-of-credit-scoring/#comments</comments>
		<pubDate>Sat, 10 Apr 2010 14:41:42 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Credit Tips]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[credit scoring]]></category>
		<category><![CDATA[credit tips]]></category>
		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[fico]]></category>
		<category><![CDATA[home loans]]></category>
		<category><![CDATA[home mortgage]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[refinance]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=199</guid>
		<description><![CDATA[There are five factors that comprise the credit score. They are listed below in order of importance, just as an underwriter would look at the score: Payment History: 35% impact. Paying debt on time and in full has apositive impact. Late payments, judgments and charge-offs have a negative impact. Missing a high payment has a [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>Credit Score &#8211; Part I: Good Credit Translates into Lower Rates for the Consumer</title>
		<link>http://edbrophy.com/credit-scoring-part-i-good-credit-translates-into-lower-rates-for-the-consumer/</link>
		<comments>http://edbrophy.com/credit-scoring-part-i-good-credit-translates-into-lower-rates-for-the-consumer/#comments</comments>
		<pubDate>Fri, 09 Apr 2010 12:38:41 +0000</pubDate>
		<dc:creator>Ed Brophy</dc:creator>
				<category><![CDATA[Credit Tips]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[credit scoring]]></category>
		<category><![CDATA[credit tips]]></category>
		<category><![CDATA[ed brophy]]></category>
		<category><![CDATA[fico]]></category>
		<category><![CDATA[home loans]]></category>
		<category><![CDATA[home mortgage]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[refinance]]></category>

		<guid isPermaLink="false">http://edbrophy.com/?p=196</guid>
		<description><![CDATA[In the 1960s, Fair Isaac Corporation started working on a system lenders could use to evaluate the likelihood of receiving repayment on loans. Prior to that, it was really a matter of trusting an individual to be a &#8220;man of his word,&#8221; so to speak. Fair Isaac sought to take human error out of the [...]]]></description>
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