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	<title>Financial Foundations &#187; Credit Restoration</title>
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	<link>http://AFinancialPro.com</link>
	<description>Building and Protecting Wealth</description>
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		<title>How are Credit Scores Calculated?</title>
		<link>http://AFinancialPro.com/articles/how-are-credit-scores-calculated/</link>
		<comments>http://AFinancialPro.com/articles/how-are-credit-scores-calculated/#comments</comments>
		<pubDate>Fri, 13 Mar 2009 15:23:54 +0000</pubDate>
		<dc:creator>Steve Baker</dc:creator>
				<category><![CDATA[3-Mortgages & Banking]]></category>
		<category><![CDATA[Credit Restoration]]></category>
		<category><![CDATA[Mortgages]]></category>
		<category><![CDATA[bad credit]]></category>
		<category><![CDATA[credit bureaus]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[credit restoration]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[mortgage meltdown]]></category>
		<category><![CDATA[mortgage mess]]></category>

		<guid isPermaLink="false">http://afinancialpro.com/?p=149</guid>
		<description><![CDATA[Fair Isaac and Vantage Score hold their credit scoring formulas as a close secret much like the formula for Coca-Cola or your grandma’s legendary double chocolate-chip cookies. This can be very frustrating for consumers when they see remarks on the credit report like “too many revolving debt accounts” and not knowing exactly that means. Fortunately, ...]]></description>
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		<title>Credit Scores – The Basics</title>
		<link>http://AFinancialPro.com/articles/credit-scores-%e2%80%93-the-basics/</link>
		<comments>http://AFinancialPro.com/articles/credit-scores-%e2%80%93-the-basics/#comments</comments>
		<pubDate>Thu, 26 Jun 2008 20:24:47 +0000</pubDate>
		<dc:creator>Steve Baker</dc:creator>
				<category><![CDATA[Credit Restoration]]></category>
		<category><![CDATA[bad credit]]></category>
		<category><![CDATA[credit bureaus]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[credit restoration]]></category>

		<guid isPermaLink="false">http://AFinancialpro.com/?p=51</guid>
		<description><![CDATA[Good credit is important in America today because so many of the things that we want to buy must be financed or purchased on credit. And once you have had a bad credit rating it is almost impossible to avoid detection. A network of credit reporting agencies keeps track of every person who buys on ...]]></description>
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		<title>Repair Your Credit before Applying for a New Mortgage</title>
		<link>http://AFinancialPro.com/articles/repair-your-credit-before-applying-for-a-new-mortgage/</link>
		<comments>http://AFinancialPro.com/articles/repair-your-credit-before-applying-for-a-new-mortgage/#comments</comments>
		<pubDate>Thu, 26 Jun 2008 20:14:40 +0000</pubDate>
		<dc:creator>Steve Baker</dc:creator>
				<category><![CDATA[Credit Restoration]]></category>
		<category><![CDATA[bad credit]]></category>
		<category><![CDATA[credit bureaus]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[credit restoration]]></category>

		<guid isPermaLink="false">http://AFinancialpro.com/2008/06/repair-your-credit-before-applying-for-a-new-mortgage/</guid>
		<description><![CDATA[Fooled into satisfaction by the fact that they can make a larger down payment on a new home with funds received from the sale of their “old”, some sellers fail to address negatives on their credit reports and thereby suffer such consequences as higher interest rates and additional costs associated with obtaining their new home ...]]></description>
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		<title>Experts: ‘Credit recession’ could last two years</title>
		<link>http://AFinancialPro.com/articles/experts-%e2%80%98credit-recession%e2%80%99-could-last-two-years/</link>
		<comments>http://AFinancialPro.com/articles/experts-%e2%80%98credit-recession%e2%80%99-could-last-two-years/#comments</comments>
		<pubDate>Wed, 04 Jun 2008 19:58:27 +0000</pubDate>
		<dc:creator>Steve Baker</dc:creator>
				<category><![CDATA[3-Mortgages & Banking]]></category>
		<category><![CDATA[Credit Restoration]]></category>
		<category><![CDATA[bad credit]]></category>
		<category><![CDATA[credit bureaus]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[credit restoration]]></category>

		<guid isPermaLink="false">http://AFinancialpro.com/?p=49</guid>
		<description><![CDATA[When I read an article like this one, it makes me glad that I am in a position to help people deal with their credit issues and end up in a much better and more secure position&#8230; Steve www.CreditRestorePros.com After subprime fiasco financial sector to undergo ‘massive consolidation’ Reuters NEW YORK &#8211; A “credit recession” ...]]></description>
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		<title>Keeping Bad Credit Costs More than Repairing it!</title>
		<link>http://AFinancialPro.com/articles/cost-of-bad-credit/</link>
		<comments>http://AFinancialPro.com/articles/cost-of-bad-credit/#comments</comments>
		<pubDate>Sun, 25 May 2008 07:50:24 +0000</pubDate>
		<dc:creator>Steve Baker</dc:creator>
				<category><![CDATA[Credit Restoration]]></category>
		<category><![CDATA[bad credit]]></category>
		<category><![CDATA[credit bureaus]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[credit restoration]]></category>

		<guid isPermaLink="false">http://AFinancialpro.com/?p=48</guid>
		<description><![CDATA[Have you ever stopped to think what having BAD CREDIT is costing you? How much have you paid in additional interest and fees due to your poor credit rating? One estimate is that a poor credit rating costs the average consumer $3000 per year or $50,000 in a lifetime due to extra charges that are ...]]></description>
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		<title>10 Myths of Credit Repair</title>
		<link>http://AFinancialPro.com/articles/10-myths-of-credit-repair/</link>
		<comments>http://AFinancialPro.com/articles/10-myths-of-credit-repair/#comments</comments>
		<pubDate>Sun, 25 May 2008 07:25:28 +0000</pubDate>
		<dc:creator>Steve Baker</dc:creator>
				<category><![CDATA[Credit Restoration]]></category>
		<category><![CDATA[bad credit]]></category>
		<category><![CDATA[credit bureaus]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[credit restoration]]></category>

		<guid isPermaLink="false">http://AFinancialpro.com/?p=47</guid>
		<description><![CDATA[Myth # 1 &#8211; When I pay off a past-due account, such as a charge off or a collection account, it will show “paid” and no longer be negative. It is difficult to fully restore your credit without paying your outstanding debts. However, paying off a debt can actually hurt your credit. Negative items on ...]]></description>
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		<title>Is Credit Repair Legal?</title>
		<link>http://AFinancialPro.com/articles/is-credit-repair-legal/</link>
		<comments>http://AFinancialPro.com/articles/is-credit-repair-legal/#comments</comments>
		<pubDate>Sun, 25 May 2008 07:11:20 +0000</pubDate>
		<dc:creator>Steve Baker</dc:creator>
				<category><![CDATA[Credit Restoration]]></category>
		<category><![CDATA[bad credit]]></category>
		<category><![CDATA[credit bureaus]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[credit restoration]]></category>

		<guid isPermaLink="false">http://AFinancialpro.com/?p=46</guid>
		<description><![CDATA[Absolutely! An affiliated attorney network provides credit repair services on behalf of our members. Obviously if credit repair was illegal licensed attorneys would not facilitate the service. The Fair Credit Reporting Act was designed specifically to provide a way for consumers to force the removal of erroneous, outdated and unverifiable information from their report. Additionally, ...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Why You Should Never Dispute A Tradeline Online</title>
		<link>http://AFinancialPro.com/articles/why-you-should-never-dispute-a-tradeline-online/</link>
		<comments>http://AFinancialPro.com/articles/why-you-should-never-dispute-a-tradeline-online/#comments</comments>
		<pubDate>Sun, 25 May 2008 07:06:17 +0000</pubDate>
		<dc:creator>Steve Baker</dc:creator>
				<category><![CDATA[Credit Restoration]]></category>
		<category><![CDATA[bad credit]]></category>
		<category><![CDATA[credit bureaus]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[credit restoration]]></category>

		<guid isPermaLink="false">http://AFinancialpro.com/?p=45</guid>
		<description><![CDATA[When the Fair Credit Reporting Act was amended, they put in a section for &#34;Expedited Dispute Resolution&#34; Section 611a(8) the on-line dispute system. It reads as follows&#8230;. &#34;&#8230;. the agency shall not be required to comply with paragraphs 2, 6, and 7 with respect to that dispute if they delete the tradeline within 3 days.&#34; ...]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Mistakes Do Happen on Credit Reports &#8211; In Fact, 79% of the Time!</title>
		<link>http://AFinancialPro.com/articles/mistakes-do-happen-in-fact-79-of-the-time/</link>
		<comments>http://AFinancialPro.com/articles/mistakes-do-happen-in-fact-79-of-the-time/#comments</comments>
		<pubDate>Sun, 25 May 2008 06:34:17 +0000</pubDate>
		<dc:creator>Steve Baker</dc:creator>
				<category><![CDATA[Credit Restoration]]></category>
		<category><![CDATA[bad credit]]></category>
		<category><![CDATA[credit bureaus]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[credit restoration]]></category>

		<guid isPermaLink="false">http://AFinancialpro.com/?p=44</guid>
		<description><![CDATA[According to &#34;Mistakes Do Happen: A Look at Errors in Consumer Credit Reports &#34; a recent report by public issues watchdog U.S.Public Interest Research Group (USPRIG.) There is a one in four chance your credit report contains an error serious enough to cause you to be denied credit.  79 percent of credit reports examined in ...]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Credit Problems for Young Buyers</title>
		<link>http://AFinancialPro.com/articles/credit-problems-for-young-buyers/</link>
		<comments>http://AFinancialPro.com/articles/credit-problems-for-young-buyers/#comments</comments>
		<pubDate>Sun, 18 May 2008 03:51:14 +0000</pubDate>
		<dc:creator>Steve Baker</dc:creator>
				<category><![CDATA[Credit Restoration]]></category>
		<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://AFinancialpro.com/?p=8</guid>
		<description><![CDATA[Start building credit early. Last week I had to do something that I really didn&#8217;t like. I had a young couple come to me wanting to buy their first home. They were so excited, and so was I. Until we hit a snag, and not just a little one. They didn&#8217;t have a great credit ...]]></description>
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