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	<title>The New Jersey Mortgage Blog &#187; Credit cards</title>
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	<link>http://newjerseymortgageblog.com</link>
	<description>... Keeping New Jersey Consumers and Mortgage Borrowers in the Loop ...... Mortgages, Refinancing, Credit &#38; More...</description>
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		<title>Higher Credit Scores Will Get You a Lower Rate: Raise Scores With a Secured Visa Credit Card</title>
		<link>http://newjerseymortgageblog.com/improve-your-credit-score-by-establishing-new-credit</link>
		<comments>http://newjerseymortgageblog.com/improve-your-credit-score-by-establishing-new-credit#comments</comments>
		<pubDate>Tue, 18 May 2010 23:35:55 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Credit cards]]></category>
		<category><![CDATA[Credit Repair]]></category>
		<category><![CDATA[Credit Scores]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=2632</guid>
		<description><![CDATA[Having a high credit score means more today than I can ever remember.  Your chances of getting credit with a score under 620 is virtually impossible. Just 3 years ago, almost anyone could buy a home and get a mortgage with a 560 score. And, you could have done it with zero down. But unless you [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Did You Know?  Obnoxious Credit Card Interest Rates Started With a Deal Between Citibank and a Governor</title>
		<link>http://newjerseymortgageblog.com/did-you-know-obnoxious-credit-card-interest-rates-started-with-a-deal-between-citibank-and-a-governor</link>
		<comments>http://newjerseymortgageblog.com/did-you-know-obnoxious-credit-card-interest-rates-started-with-a-deal-between-citibank-and-a-governor#comments</comments>
		<pubDate>Sun, 09 May 2010 04:07:27 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Credit cards]]></category>
		<category><![CDATA[Interest Rates]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=2452</guid>
		<description><![CDATA[When William “Wild Bill” Janklow was Governor of South Dakota in the early 80&#8242;s, he made a deal with Citibank that would throw the roof off credit card interest rates.  &#8220;Wild Bill&#8221; would eventually give rise to credit card balances and bills that were off the charts due to enormous interest rates.  Janklow was a one-man political [...]]]></description>
		<wfw:commentRss>http://newjerseymortgageblog.com/did-you-know-obnoxious-credit-card-interest-rates-started-with-a-deal-between-citibank-and-a-governor/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Keeping Your Credit Score High While Shopping for a Mortgage in New Jersey</title>
		<link>http://newjerseymortgageblog.com/keeping-your-credit-score-high-while-shopping-for-a-mortgage</link>
		<comments>http://newjerseymortgageblog.com/keeping-your-credit-score-high-while-shopping-for-a-mortgage#comments</comments>
		<pubDate>Sun, 14 Mar 2010 18:37:04 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[FICO]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[Closing Costs]]></category>
		<category><![CDATA[Credit cards]]></category>
		<category><![CDATA[Interest Rates]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=2275</guid>
		<description><![CDATA[There is a HUGE misunderstanding among MOST mortgage shoppers that whenever a mortgage lender in New Jersey pulls their credit, the score will drop.  Therefore, the borrower decides they have no choice but to shop for a mortgage without the lender seeing their credit at all, or by telling the lender what they believe their [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Your Credit Report May Be Under Surveillance as November 30 Approaches</title>
		<link>http://newjerseymortgageblog.com/your-credit-report-may-be-under-surveillance-as-november-30-approaches</link>
		<comments>http://newjerseymortgageblog.com/your-credit-report-may-be-under-surveillance-as-november-30-approaches#comments</comments>
		<pubDate>Tue, 22 Sep 2009 01:51:03 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[First Time Homebuyer Tax Credit]]></category>
		<category><![CDATA[Credit cards]]></category>
		<category><![CDATA[First Time HomeBuyer]]></category>
		<category><![CDATA[Tax Credit]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=1220</guid>
		<description><![CDATA[Are you trying to close your mortgage loan before November 30, 2009 to qualify for the first time home buyer tax credit? Did your mortgage consultant warn you about your credit and your credit score?  You can bet your loan that lenders will pull your credit report again before you close that loan.  If anything [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Avoid Identity Theft by Keeping Watch on Your Credit and Personal Info</title>
		<link>http://newjerseymortgageblog.com/avoid-identity-theft-by-keeping-watch-on-your-credit-file</link>
		<comments>http://newjerseymortgageblog.com/avoid-identity-theft-by-keeping-watch-on-your-credit-file#comments</comments>
		<pubDate>Mon, 31 Aug 2009 16:43:45 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[Identity Theft]]></category>
		<category><![CDATA[Credit cards]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=1069</guid>
		<description><![CDATA[Identity theft seems to grow geometrically by the day.  Much of the problem with identity theft is caused by all the various requests for our personal information that are supposedly going to protect us from fraud.   So let&#8217;s get this straight.   Company A wants to look at and copy all my information to be certain [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Good Credit For New Jersey Mortgage Approval Isn&#8217;t Rocket Science</title>
		<link>http://newjerseymortgageblog.com/good-credit-isnt-rocket-science</link>
		<comments>http://newjerseymortgageblog.com/good-credit-isnt-rocket-science#comments</comments>
		<pubDate>Mon, 18 May 2009 01:46:16 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Credit Bureaus]]></category>
		<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[FICO]]></category>
		<category><![CDATA[Interest Rates]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Credit cards]]></category>
		<category><![CDATA[Debt]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=371</guid>
		<description><![CDATA[Your FICO credit score  is the single biggest factor in determining whether New Jersey borrowers get the best rates for mortgages, loans and credit cards.  This score gives lenders an idea of how well you pay bills, live within your means and manage your debt. If your score is 740 or above, you&#8217;ll get the [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>9 Things You Must NEVER Do While You Wait For Your New Jersey Loan To Close</title>
		<link>http://newjerseymortgageblog.com/9-things-you-must-never-do-while-you-wait-for-your-loan-to-close</link>
		<comments>http://newjerseymortgageblog.com/9-things-you-must-never-do-while-you-wait-for-your-loan-to-close#comments</comments>
		<pubDate>Sat, 16 May 2009 16:31:39 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[FICO]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[Credit cards]]></category>
		<category><![CDATA[Credit Scores]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Mortgage Underwriting]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=338</guid>
		<description><![CDATA[After you apply for a mortgage in New Jersey and you&#8217;re told you have been pre-approved, don&#8217;t think it&#8217;s all smooth sailing to the closing table.  Because YOU might do something to foul things up.  Happens a lot, especially if you were not warned by your loan officer. Even if you were pre-approved at the [...]]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Urgent Warning for American Express Cardholders</title>
		<link>http://newjerseymortgageblog.com/urgent-warning-to-american-express-cardholders</link>
		<comments>http://newjerseymortgageblog.com/urgent-warning-to-american-express-cardholders#comments</comments>
		<pubDate>Wed, 13 May 2009 20:39:07 +0000</pubDate>
		<dc:creator>CAROL</dc:creator>
				<category><![CDATA[Credit]]></category>
		<category><![CDATA[Credit cards]]></category>
		<category><![CDATA[Privacy]]></category>

		<guid isPermaLink="false">http://newjerseymortgageblog.com/?p=224</guid>
		<description><![CDATA[This is quick and most interesting reading.  More on the AMEX saga.  More that&#8217;s hard to believe.  American Express recently made an announcement of new terms effective  April 2, 2009.  Goes like this: For personal AMEX cards issued in the USA,  in order to obtain or retain an AMEX card, you will have to &#8220;agree&#8221; that AMEX has [...]]]></description>
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		<slash:comments>0</slash:comments>
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