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	<title>NW Indiana Loan Guy Blog &#187; credit</title>
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	<link>http://nwihomeloan.com</link>
	<description>Mortgage Information For Informed Indiana Homebuyers</description>
	<lastBuildDate>Fri, 03 Sep 2010 03:28:41 +0000</lastBuildDate>
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		<title>New Credit Card Rules Go Into Effect</title>
		<link>http://nwihomeloan.com/new-credit-card-rules-go-into-effect/</link>
		<comments>http://nwihomeloan.com/new-credit-card-rules-go-into-effect/#comments</comments>
		<pubDate>Thu, 26 Aug 2010 20:07:34 +0000</pubDate>
		<dc:creator>Scott</dc:creator>
				<category><![CDATA[Delinquencies and Foreclosures]]></category>
		<category><![CDATA[Real Estate Finance]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[Indiana real estate]]></category>
		<category><![CDATA[interest rates]]></category>

		<guid isPermaLink="false">http://nwihomeloan.com/?p=708</guid>
		<description><![CDATA[I received an email today from Illyce Glink.  Illyce runs the Thinkglink.com website that has a load of personal finance, real estate, consumer advice, and some pretty good tools. In the email, she outlined a few of the changes and the reactions taken by the credit card issuers. These are as follows: This week, more [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>FTC To Crack Down On Free Credit Reports</title>
		<link>http://nwihomeloan.com/ftc-to-crack-down-on-free-credit-reports/</link>
		<comments>http://nwihomeloan.com/ftc-to-crack-down-on-free-credit-reports/#comments</comments>
		<pubDate>Tue, 02 Mar 2010 22:32:59 +0000</pubDate>
		<dc:creator>Scott</dc:creator>
				<category><![CDATA[credit]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[www.annualcreditreport.com]]></category>

		<guid isPermaLink="false">http://nwihomeloan.com/?p=642</guid>
		<description><![CDATA[Free may refer to: Adjective associated with freedom Adjective describing something given or supplied without payment (gratis) Gratis versus Libre, the distinction between the two meanings above (Wikipedia.com) The Federal Trade Commission is cracking down on the &#8220;Free&#8221; credit report industry which, despite their best attempts to have us believe otherwise, is not offering free credit [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>Citizens Financial Helps Educate Students</title>
		<link>http://nwihomeloan.com/citizens-financial-helps-educate-students/</link>
		<comments>http://nwihomeloan.com/citizens-financial-helps-educate-students/#comments</comments>
		<pubDate>Wed, 30 Dec 2009 06:35:27 +0000</pubDate>
		<dc:creator>Scott</dc:creator>
				<category><![CDATA[Crown Point]]></category>
		<category><![CDATA[Lake County]]></category>
		<category><![CDATA[Misc.]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[Citizens Financial Bank]]></category>
		<category><![CDATA[credit education]]></category>
		<category><![CDATA[Crown Point Indiana]]></category>

		<guid isPermaLink="false">http://nwihomeloan.com/?p=546</guid>
		<description><![CDATA[Citizens Financial Bank presented a seminar to 200 seniors at Crown Point High School titled &#8220;Realities of Credit&#8221;. Jesus Cervera, Vice President Community Affairs said, &#8220;Citizens strongly believes that the best way to serve the needs of the communities where we have banking centers is to have our staff partner with community organizations and educational [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Many Homeowners Can&#8217;t Refinance Despite Low Rates</title>
		<link>http://nwihomeloan.com/many-homeowners-cant-refinance-despite-low-rates/</link>
		<comments>http://nwihomeloan.com/many-homeowners-cant-refinance-despite-low-rates/#comments</comments>
		<pubDate>Wed, 16 Dec 2009 21:05:47 +0000</pubDate>
		<dc:creator>Scott</dc:creator>
				<category><![CDATA[credit]]></category>
		<category><![CDATA[first time homebuyer]]></category>
		<category><![CDATA[refinance]]></category>
		<category><![CDATA[credit repair indiana]]></category>
		<category><![CDATA[credit restoration]]></category>
		<category><![CDATA[Indiana loan modifications]]></category>
		<category><![CDATA[Indiana mortgage]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[loan modifications]]></category>
		<category><![CDATA[mortgage loans]]></category>
		<category><![CDATA[tax credit]]></category>

		<guid isPermaLink="false">http://nwihomeloan.com/?p=507</guid>
		<description><![CDATA[Mortgage rates in Northwest Indiana, and the United States as a whole, have dropped to their lowest levels since the 1940s, thanks to a trillion-dollar intervention by the federal government. Yet the banks that once handed out home loans freely are imposing such stringent requirements that many homeowners who might want to refinance are effectively [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>How To Get Your Credit Card Debt Forgiven</title>
		<link>http://nwihomeloan.com/how-to-get-your-credit-card-debt-forgiven/</link>
		<comments>http://nwihomeloan.com/how-to-get-your-credit-card-debt-forgiven/#comments</comments>
		<pubDate>Fri, 11 Dec 2009 01:47:01 +0000</pubDate>
		<dc:creator>Scott</dc:creator>
				<category><![CDATA[credit]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[Gerri Detweiler]]></category>

		<guid isPermaLink="false">http://nwihomeloan.com/?p=489</guid>
		<description><![CDATA[In a post on another blog, Gerri Detweiler from credit.com tells a story about how one of her readers had about $30,000 of credit card debt forgiven with her help. Fortunately, most of us cannot have our debt forgiven like this. Fortunately? Yes&#8230; The man in question, Joe is his name, is on disability with [...]]]></description>
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		<slash:comments>3</slash:comments>
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