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	<title>CreditBoards Community Blog List</title>
	<link>http://creditboards.com/forums/index.php?app=blog</link>
	<description>Community Blog List Syndication</description>
	<pubDate>Mon, 09 Apr 2012 18:16:44 +0000</pubDate>
	<webMaster>admin@creditboards.com (CreditBoards)</webMaster>
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		<title><![CDATA[DallasLoanGuy's Blog - FHA Rule on Collections Accounts Delayed. New Date July 1, 2012]]></title>
		<link><![CDATA[http://creditboards.com/forums/index.php?app=blog&blogid=4&showentry=190]]></link>
		<category></category>
		<description><![CDATA[FHA Rule on Collections Accounts Delayed. New Date July 1, 2012<br /><br /> <br /><br />For those aware, HUD has changed some underwriting guidelines and now will require collections that total $1,000 or more to be PAID before closing.<br /><br />There have been 2 comments by HUD since the release of Mortgagee Letter 2012-3 that outlined these changes.<br /><br /> <br /><br />1. First, FHA...]]></description>
		<pubDate>Mon, 09 Apr 2012 18:15:00 +0000</pubDate>
		<guid><![CDATA[http://creditboards.com/forums/index.php?app=blog&blogid=4&showentry=190]]></guid>
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		<title>Credit Confetti - Walmart Card CLI</title>
		<link><![CDATA[http://creditboards.com/forums/index.php?app=blog&blogid=19&showentry=189]]></link>
		<category></category>
		<description><![CDATA[<span style='color: #ff00ff'>...</span>]]></description>
		<pubDate>Fri, 23 Mar 2012 18:22:00 +0000</pubDate>
		<guid><![CDATA[http://creditboards.com/forums/index.php?app=blog&blogid=19&showentry=189]]></guid>
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		<title>Credit Confetti - The First of Many...Blog Entries....I Hope :-)</title>
		<link><![CDATA[http://creditboards.com/forums/index.php?app=blog&blogid=19&showentry=188]]></link>
		<category></category>
		<description><![CDATA[<span style='font-family: Times New Roman'><span style='font-size: 17px;'><strong class='bbc'><span style='color: #ff00ff'>:wave: Hi!!!! (First please forgive me for typing in Word and Pasting in Here lol messed up the formatting sorry.)<br /><br /></span><span class='bbc_underline'><span style='color: #ff00ff'>INTRO<br /><br /></span></span></strong></span></span><span style='font-family: Times New Roman'><strong class='bbc'><span style='font-size: 17px;'><span style='color: #ff00ff'>...</span></span></strong></span>]]></description>
		<pubDate>Thu, 22 Mar 2012 17:56:00 +0000</pubDate>
		<guid><![CDATA[http://creditboards.com/forums/index.php?app=blog&blogid=19&showentry=188]]></guid>
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		<title><![CDATA[Uptomyneck's Blog - Still rolling in the snowball field...]]></title>
		<link><![CDATA[http://creditboards.com/forums/index.php?app=blog&blogid=8&showentry=186]]></link>
		<category></category>
		<description><![CDATA[:yahoo: I paid Penfed completely!!!!  SO in two weeks I will only have to pay $200 on my Old Navy Card, and I will no longer have any debts on my account which don't have a open credit line anymore!!!!<br />I wonder how that will effect my fico, since I was told that it hurts my utilization, making it over 100%...]]></description>
		<pubDate>Fri, 16 Mar 2012 15:42:00 +0000</pubDate>
		<guid><![CDATA[http://creditboards.com/forums/index.php?app=blog&blogid=8&showentry=186]]></guid>
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	<item>
		<title><![CDATA[Uptomyneck's Blog - Still making waves...with a little miracle to boot!]]></title>
		<link><![CDATA[http://creditboards.com/forums/index.php?app=blog&blogid=8&showentry=185]]></link>
		<category></category>
		<description><![CDATA[So I am still in the phase of snowballing debt, but I went through some issues with my son's school.  Needless to say, I had to take him out, and borrowing my moms car was no longer an option as we needed it to be available to take him to and from school.  <br /><br />So I checked my Transunion online via myfico, and low and behold I had a 663 or...]]></description>
		<pubDate>Tue, 21 Feb 2012 17:29:00 +0000</pubDate>
		<guid><![CDATA[http://creditboards.com/forums/index.php?app=blog&blogid=8&showentry=185]]></guid>
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		<title><![CDATA[DallasLoanGuy's Blog - Rapid Rescore Costs]]></title>
		<link><![CDATA[http://creditboards.com/forums/index.php?app=blog&blogid=4&showentry=184]]></link>
		<category></category>
		<description><![CDATA[<strong class='bbc'>Rapid Rescore Costs</strong><br /><br />What is <strong class='bbc'>Rapid Rescore</strong>?<br /><br />A <strong class='bbc'>Rapid Rescore</strong>...]]></description>
		<pubDate>Thu, 19 Jan 2012 15:50:00 +0000</pubDate>
		<guid><![CDATA[http://creditboards.com/forums/index.php?app=blog&blogid=4&showentry=184]]></guid>
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	<item>
		<title><![CDATA[DallasLoanGuy's Blog - Friends, Relatives &#38; Real Estate/Mortgage Advice]]></title>
		<link><![CDATA[http://creditboards.com/forums/index.php?app=blog&blogid=4&showentry=183]]></link>
		<category></category>
		<description><![CDATA[<strong class='bbc'>Friends, Relatives & Real Estate/Mortgage Advice</strong>...]]></description>
		<pubDate>Fri, 06 Jan 2012 14:37:00 +0000</pubDate>
		<guid><![CDATA[http://creditboards.com/forums/index.php?app=blog&blogid=4&showentry=183]]></guid>
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		<title><![CDATA[Uptomyneck's Blog - So I made a budget...going good for a month now...]]></title>
		<link><![CDATA[http://creditboards.com/forums/index.php?app=blog&blogid=8&showentry=179]]></link>
		<category></category>
		<description><![CDATA[Okay, so the budget thing seems to be working for me well.  I have decided to split my paycheck into three different accounts.  I keep BOA for mortgage and student loans and my sons tuition because they are all automatic.  The other two are CU accounts, one for CC's and the other for Utilities and extra spending cash.  So I am committed to...]]></description>
		<pubDate>Thu, 08 Dec 2011 15:43:00 +0000</pubDate>
		<guid><![CDATA[http://creditboards.com/forums/index.php?app=blog&blogid=8&showentry=179]]></guid>
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	<item>
		<title><![CDATA[Uptomyneck's Blog - Small steps...]]></title>
		<link><![CDATA[http://creditboards.com/forums/index.php?app=blog&blogid=8&showentry=178]]></link>
		<category></category>
		<description><![CDATA[SO I have made my first small steps this weekend.  I paid once card down, and am trying to continue on my efforts to gain financial control again and forcing my CC debt down, so I can eventually save save save...My goal is April 2012 to be at least at 30% or lower utilization...<br /><br />when I started I was at 100 %utilization....Today I am at 96%...baby...]]></description>
		<pubDate>Mon, 14 Nov 2011 13:53:00 +0000</pubDate>
		<guid><![CDATA[http://creditboards.com/forums/index.php?app=blog&blogid=8&showentry=178]]></guid>
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	<item>
		<title><![CDATA[Uptomyneck's Blog - Arh, Cant get outta the water!!!]]></title>
		<link><![CDATA[http://creditboards.com/forums/index.php?app=blog&blogid=8&showentry=175]]></link>
		<category></category>
		<description>Ok so I have the house, and I have been working on it.  I am at 100% utilization.  I cannot seem to get out of the water.  I am also now in repayment of my student loans.   I cant seem to be able to balance out or save.  I sent my son to my moms for the rest of the summer to get my financials in order, and to try to get the rest of my house in...</description>
		<pubDate>Wed, 06 Jul 2011 17:57:00 +0000</pubDate>
		<guid><![CDATA[http://creditboards.com/forums/index.php?app=blog&blogid=8&showentry=175]]></guid>
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