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	<title>San Jose-Santa Clara County Real Estate UNCENSORED &#187; Credit Information</title>
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	<description>Real Estate, Mortgage &#38; Credit information - San Jose - Santa Clara County - California</description>
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		<title>Credit Repair After Bankruptcy Or Foreclosure: The Secrets They Don’t Want You To Know</title>
		<link>http://sccrealestateuncensored.com/2010/credit-repair-after-bankruptcy-foreclosure/</link>
		<comments>http://sccrealestateuncensored.com/2010/credit-repair-after-bankruptcy-foreclosure/#comments</comments>
		<pubDate>Wed, 02 Jun 2010 03:37:26 +0000</pubDate>
		<dc:creator>NEY</dc:creator>
				<category><![CDATA[Credit Information]]></category>
		<category><![CDATA[Credit Repair scams]]></category>
		<category><![CDATA[clean credit report]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[credit repair California]]></category>
		<category><![CDATA[credit repair Florida]]></category>
		<category><![CDATA[credit repair fraud]]></category>
		<category><![CDATA[credit repair scam]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[erase delinquent accounts]]></category>
		<category><![CDATA[fico]]></category>
		<category><![CDATA[fico score]]></category>
		<category><![CDATA[free credit report]]></category>
		<category><![CDATA[how to clean credit report]]></category>
		<category><![CDATA[How to repair your credit]]></category>
		<category><![CDATA[Legally remove negative accounts from credit]]></category>
		<category><![CDATA[repair credit after bankruptcy]]></category>
		<category><![CDATA[repair credit after foreclosure]]></category>
		<category><![CDATA[repair credit after short sale]]></category>

		<guid isPermaLink="false">http://sccrealestateuncensored.com/?p=1632</guid>
		<description><![CDATA[If you are among the millions of Americans who are drowning in credit card debt or facing foreclosure, there is one thing you need to know…..there is light at the end of the tunnel. You can rebuild you credit and get back on your feet!
Newspapers, radio, TV and the internet are filled with ads that [...]]]></description>
		<wfw:commentRss>http://sccrealestateuncensored.com/2010/credit-repair-after-bankruptcy-foreclosure/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Repair Your Credit By Legally Removing All Negative Accounts: It’s All Legal, I promise! (Just Don’t Report It To The Authorities)</title>
		<link>http://sccrealestateuncensored.com/2008/repair-credit-legally-remove-negative-accounts/</link>
		<comments>http://sccrealestateuncensored.com/2008/repair-credit-legally-remove-negative-accounts/#comments</comments>
		<pubDate>Sat, 08 Nov 2008 01:33:20 +0000</pubDate>
		<dc:creator>NEY</dc:creator>
				<category><![CDATA[Credit Information]]></category>
		<category><![CDATA[Credit Repair scams]]></category>
		<category><![CDATA[Predatory - Subprime Advertisement]]></category>
		<category><![CDATA[Ace]]></category>
		<category><![CDATA[Ace Group]]></category>
		<category><![CDATA[Advantage Credit Repair]]></category>
		<category><![CDATA[American Credit Experts]]></category>
		<category><![CDATA[clean credit report]]></category>
		<category><![CDATA[Clean Credit Report Services]]></category>
		<category><![CDATA[credit repair California]]></category>
		<category><![CDATA[credit repair Florida]]></category>
		<category><![CDATA[credit repair Illinois]]></category>
		<category><![CDATA[credit repair Ohio]]></category>
		<category><![CDATA[Daniel R. Miranda]]></category>
		<category><![CDATA[Federal Trade Commission]]></category>
		<category><![CDATA[FTC]]></category>
		<category><![CDATA[Gerald Roth]]></category>
		<category><![CDATA[Hargrave & Associates Financial Solutions]]></category>
		<category><![CDATA[how to clean credit report]]></category>
		<category><![CDATA[How to repair your credit]]></category>
		<category><![CDATA[James R. Dooley]]></category>
		<category><![CDATA[Kevin Hargrave Sr]]></category>
		<category><![CDATA[Latrese & Kevin Enterprises]]></category>
		<category><![CDATA[Latrese Hargrave]]></category>
		<category><![CDATA[Latrese V. Willimas]]></category>
		<category><![CDATA[LCRC]]></category>
		<category><![CDATA[Legal Credit Repair Center]]></category>
		<category><![CDATA[Legally remove negative accounts from credit]]></category>
		<category><![CDATA[Mark D. Solomon]]></category>
		<category><![CDATA[Melvin Kessler]]></category>
		<category><![CDATA[Michael Singer]]></category>
		<category><![CDATA[Nationwide Credit Services]]></category>
		<category><![CDATA[Operation Clean Sweep]]></category>
		<category><![CDATA[RCA Credit Services]]></category>
		<category><![CDATA[Remove negative accounts from credit]]></category>
		<category><![CDATA[repair credit after bankruptcy]]></category>
		<category><![CDATA[repair credit after foreclosure]]></category>
		<category><![CDATA[repair credit after short sale]]></category>
		<category><![CDATA[Ricardo A. Miranda]]></category>
		<category><![CDATA[Rick Lee Crosby Jr]]></category>
		<category><![CDATA[Ruthy Villabona]]></category>
		<category><![CDATA[Success Credit Services]]></category>
		<category><![CDATA[Successful Credit Service Corporation]]></category>
		<category><![CDATA[The Ace Group]]></category>
		<category><![CDATA[Tracy Ballard]]></category>
		<category><![CDATA[Tracy Ballard-Straughn]]></category>

		<guid isPermaLink="false">http://sccrealestateuncensored.com/?p=647</guid>
		<description><![CDATA[I am sure that by now almost everyone has seen advertisements on the radio, television or the internet from companies or companies affiliated with law firms claiming to be “credit repair experts.” They boldly claim to be successful at removing from credit reports any derogatory accounts including short sales, foreclosures, and bankruptcies.
Most of the claims [...]]]></description>
		<wfw:commentRss>http://sccrealestateuncensored.com/2008/repair-credit-legally-remove-negative-accounts/feed/</wfw:commentRss>
		<slash:comments>14</slash:comments>
		</item>
		<item>
		<title>US Financial Crisis: Whose Fault Is It Anyways?</title>
		<link>http://sccrealestateuncensored.com/2008/financial-crisis-whose-fault-is-it/</link>
		<comments>http://sccrealestateuncensored.com/2008/financial-crisis-whose-fault-is-it/#comments</comments>
		<pubDate>Thu, 16 Oct 2008 05:22:22 +0000</pubDate>
		<dc:creator>NEY</dc:creator>
				<category><![CDATA[Credit Information]]></category>
		<category><![CDATA[Mortgage - Loan Information]]></category>
		<category><![CDATA[Real Estate Information]]></category>
		<category><![CDATA[AIG]]></category>
		<category><![CDATA[American Dream]]></category>
		<category><![CDATA[American International Group]]></category>
		<category><![CDATA[Bear Stearns]]></category>
		<category><![CDATA[Carlos Santana]]></category>
		<category><![CDATA[CDO]]></category>
		<category><![CDATA[CDS]]></category>
		<category><![CDATA[Citigroup]]></category>
		<category><![CDATA[Collateralized Debt Obligations]]></category>
		<category><![CDATA[commercial banks]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit crunch]]></category>
		<category><![CDATA[Credit Default Swaps]]></category>
		<category><![CDATA[Economic rescue plan]]></category>
		<category><![CDATA[Emergency Economic Stabilization Act]]></category>
		<category><![CDATA[Fannie Mae]]></category>
		<category><![CDATA[Financial Crisis]]></category>
		<category><![CDATA[financing]]></category>
		<category><![CDATA[Freddie Mac]]></category>
		<category><![CDATA[Goldman Sachs]]></category>
		<category><![CDATA[Government rescue]]></category>
		<category><![CDATA[greed]]></category>
		<category><![CDATA[hedge funds]]></category>
		<category><![CDATA[Henry Paulson]]></category>
		<category><![CDATA[home values]]></category>
		<category><![CDATA[Housing boom]]></category>
		<category><![CDATA[HR 1424]]></category>
		<category><![CDATA[International Swaps and Derivatives Association]]></category>
		<category><![CDATA[Investment Securities]]></category>
		<category><![CDATA[ISDA]]></category>
		<category><![CDATA[JP Morgan]]></category>
		<category><![CDATA[Lehman Brothers]]></category>
		<category><![CDATA[Main Street]]></category>
		<category><![CDATA[MBS]]></category>
		<category><![CDATA[Merrill Lynch]]></category>
		<category><![CDATA[Michael Greenberger]]></category>
		<category><![CDATA[Moody's]]></category>
		<category><![CDATA[Morgan Stanley]]></category>
		<category><![CDATA[mortgage backed securities]]></category>
		<category><![CDATA[Mortgage crisis]]></category>
		<category><![CDATA[mortgage defaults]]></category>
		<category><![CDATA[pension funds]]></category>
		<category><![CDATA[profit]]></category>
		<category><![CDATA[Real Estate market]]></category>
		<category><![CDATA[rescue plan]]></category>
		<category><![CDATA[Standard & Poor's]]></category>
		<category><![CDATA[unregulated]]></category>
		<category><![CDATA[Wall Street]]></category>
		<category><![CDATA[Wall Street bailout]]></category>
		<category><![CDATA[Wall Street lenders]]></category>

		<guid isPermaLink="false">http://sccrealestateuncensored.com/?p=580</guid>
		<description><![CDATA[Yesterday Henry Paulson, US Treasury Secretary, announced a plan to spend $250 billion to purchase stocks in at least nine major financial institutions. This money infusion would give taxpayers ownership stake on these banks and guarantee a 5% return. It would also help banks build more reserves and in turn ease lending to consumers and [...]]]></description>
		<wfw:commentRss>http://sccrealestateuncensored.com/2008/financial-crisis-whose-fault-is-it/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Federal Reserve Rate cuts: How Will It Impact You and Your Money?</title>
		<link>http://sccrealestateuncensored.com/2008/pros-cons-fed-rate-cut/</link>
		<comments>http://sccrealestateuncensored.com/2008/pros-cons-fed-rate-cut/#comments</comments>
		<pubDate>Thu, 20 Mar 2008 04:01:54 +0000</pubDate>
		<dc:creator>NEY</dc:creator>
				<category><![CDATA[Credit Information]]></category>
		<category><![CDATA[Mortgage - Loan Information]]></category>
		<category><![CDATA[federal reserve]]></category>
		<category><![CDATA[financing]]></category>
		<category><![CDATA[how interest rates work]]></category>
		<category><![CDATA[how mortgage rates work]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[Mortgage rates]]></category>
		<category><![CDATA[san jose]]></category>
		<category><![CDATA[santa clara county]]></category>

		<guid isPermaLink="false">http://micasamidinero.com/myhome/2008/pros-cons-fed-rate-cut/</guid>
		<description><![CDATA[Yesterday, December 14, 2004….uuuhhh…wait…I meant yesterday March 18, 2008 the Federal Reserve lowered the Fed funds rate down 75 basis points to 2.25 percent. The reason why I mentioned December was because the last time the fed funds rate was this low was back in 2004 as you can see in the Federal Reserve Board: [...]]]></description>
		<wfw:commentRss>http://sccrealestateuncensored.com/2008/pros-cons-fed-rate-cut/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Beware of Credit Repair Companies</title>
		<link>http://sccrealestateuncensored.com/2007/beware-credit-repair/</link>
		<comments>http://sccrealestateuncensored.com/2007/beware-credit-repair/#comments</comments>
		<pubDate>Thu, 19 Jul 2007 05:29:46 +0000</pubDate>
		<dc:creator>NEY</dc:creator>
				<category><![CDATA[Credit Information]]></category>
		<category><![CDATA[Credit Repair scams]]></category>
		<category><![CDATA[credit repair]]></category>
		<category><![CDATA[credit repair fraud]]></category>
		<category><![CDATA[credit repair scam]]></category>
		<category><![CDATA[erase delinquent accounts]]></category>
		<category><![CDATA[how to erase delinquent account]]></category>

		<guid isPermaLink="false">http://micasamidinero.com/myhome/2007/beware-of-credit-repair-companies/</guid>
		<description><![CDATA[&#8220;I have a few credit cards but 2 of them with a balance of $210. I went into bankruptcy years before but ever since then, I’ve been charging my credit card and paying it off in a few months as I heard this would help my credit. I decided to go to Mexico for vacation and [...]]]></description>
		<wfw:commentRss>http://sccrealestateuncensored.com/2007/beware-credit-repair/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>You Have Credit Card Complaints? Where Should You Go?</title>
		<link>http://sccrealestateuncensored.com/2006/you-have-credit-card-complain-where-should-you-go/</link>
		<comments>http://sccrealestateuncensored.com/2006/you-have-credit-card-complain-where-should-you-go/#comments</comments>
		<pubDate>Fri, 10 Mar 2006 00:16:00 +0000</pubDate>
		<dc:creator>NEY</dc:creator>
				<category><![CDATA[Credit Information]]></category>

		<guid isPermaLink="false">http://micasamidinero.com/myhome/?p=39</guid>
		<description><![CDATA[If you have a problem with your credit card, try following these steps, if one doesn’t work try the next step down:

Try to resolve the problem directly with the store or credit card company
File a complaint with the local Better Business Bureau (you can also do it online) where the company’s headquarters is located, not [...]]]></description>
		<wfw:commentRss>http://sccrealestateuncensored.com/2006/you-have-credit-card-complain-where-should-you-go/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Credit Cards: The Devil is in The Detail, The Small Print (Part 2 of 2)</title>
		<link>http://sccrealestateuncensored.com/2006/credit-cards-the-devil-is-in-the-detail-the-small-print-part-2-of-2/</link>
		<comments>http://sccrealestateuncensored.com/2006/credit-cards-the-devil-is-in-the-detail-the-small-print-part-2-of-2/#comments</comments>
		<pubDate>Thu, 09 Mar 2006 23:42:00 +0000</pubDate>
		<dc:creator>NEY</dc:creator>
				<category><![CDATA[Credit Information]]></category>
		<category><![CDATA[credit card history]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[the devil is in the detail of credit cards]]></category>

		<guid isPermaLink="false">http://micasamidinero.com/myhome/?p=38</guid>
		<description><![CDATA[Now that you have read on the previous post about the history of how credit card companies became so profitable I will resume the rest of the show title “Secret History of the credit card”. The following will explain some of the “secrets” or information many consumers are unaware and credit cards companies want it [...]]]></description>
		<wfw:commentRss>http://sccrealestateuncensored.com/2006/credit-cards-the-devil-is-in-the-detail-the-small-print-part-2-of-2/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>The Secret History of Credit Cards (Part 1 of 2)</title>
		<link>http://sccrealestateuncensored.com/2006/the-secret-history-of-credit-cards-part-1-of-2/</link>
		<comments>http://sccrealestateuncensored.com/2006/the-secret-history-of-credit-cards-part-1-of-2/#comments</comments>
		<pubDate>Mon, 06 Mar 2006 09:13:00 +0000</pubDate>
		<dc:creator>NEY</dc:creator>
				<category><![CDATA[Credit Information]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[credit card history]]></category>

		<guid isPermaLink="false">http://micasamidinero.com/myhome/?p=37</guid>
		<description><![CDATA[I remember watching a very informative show on PBS titled “Secret History of the Credit Card” last year. PBS replayed this show again recently and I used my so beloved TiVo to recorded. This report explained the history as follows:
The big “Monster,” credit card industry, got free from many restrictions staring a quarter of a [...]]]></description>
		<wfw:commentRss>http://sccrealestateuncensored.com/2006/the-secret-history-of-credit-cards-part-1-of-2/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Here You Have The Top Ten Questions About Credit Reports</title>
		<link>http://sccrealestateuncensored.com/2005/here-you-have-the-top-ten-questions-about-credit-reports/</link>
		<comments>http://sccrealestateuncensored.com/2005/here-you-have-the-top-ten-questions-about-credit-reports/#comments</comments>
		<pubDate>Thu, 22 Dec 2005 08:26:00 +0000</pubDate>
		<dc:creator>NEY</dc:creator>
				<category><![CDATA[Credit Information]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[fico]]></category>
		<category><![CDATA[fico score]]></category>
		<category><![CDATA[free credit report]]></category>

		<guid isPermaLink="false">http://micasamidinero.com/myhome/?p=14</guid>
		<description><![CDATA[Most lenders take a lot into consideration in evaluating whether to grant credit and also in pricing their loans. Credit scores are one of their major considerations to offer a higher or lower interest rate for the consumer. A one-point difference on a credit score can easily make a 0.25% difference in interest rates. On [...]]]></description>
		<wfw:commentRss>http://sccrealestateuncensored.com/2005/here-you-have-the-top-ten-questions-about-credit-reports/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>How Long Will Collection or Negative Derogatory Information Stay on Your Credit Report?</title>
		<link>http://sccrealestateuncensored.com/2005/how-long-will-collection-derogatory-negative-information-stay-on-your-credit-report/</link>
		<comments>http://sccrealestateuncensored.com/2005/how-long-will-collection-derogatory-negative-information-stay-on-your-credit-report/#comments</comments>
		<pubDate>Thu, 15 Dec 2005 19:09:00 +0000</pubDate>
		<dc:creator>NEY</dc:creator>
				<category><![CDATA[Credit Information]]></category>
		<category><![CDATA[clean credit report]]></category>
		<category><![CDATA[credit report]]></category>
		<category><![CDATA[fico]]></category>
		<category><![CDATA[fico score]]></category>
		<category><![CDATA[free credit report]]></category>
		<category><![CDATA[how to clean credit report]]></category>
		<category><![CDATA[How to repair your credit]]></category>
		<category><![CDATA[repair credit after bankruptcy]]></category>
		<category><![CDATA[repair credit after foreclosure]]></category>
		<category><![CDATA[repair credit after short sale]]></category>

		<guid isPermaLink="false">http://micasamidinero.com/myhome/?p=12</guid>
		<description><![CDATA[Credit information can and usually stays on a person’s credit report for 7 years. You can use the information below as a reference to guide yourself and figure out how long derogatory information stays on your credit report
General credit information: 7yrs
Collections: 7yrs from date of last activity
Bankruptcy: 10 yrs
Foreclosure: 10-12 yrs from the date filed
Garnishment: [...]]]></description>
		<wfw:commentRss>http://sccrealestateuncensored.com/2005/how-long-will-collection-derogatory-negative-information-stay-on-your-credit-report/feed/</wfw:commentRss>
		<slash:comments>10</slash:comments>
		</item>
		<item>
		<title>Credit cards: Different Balance Amounts and Different Interest Rates on The Same Account</title>
		<link>http://sccrealestateuncensored.com/2005/credit-cards-different-balance-amounts-different-interest-rates-in-the-same-account/</link>
		<comments>http://sccrealestateuncensored.com/2005/credit-cards-different-balance-amounts-different-interest-rates-in-the-same-account/#comments</comments>
		<pubDate>Sun, 13 Nov 2005 20:56:00 +0000</pubDate>
		<dc:creator>NEY</dc:creator>
				<category><![CDATA[Credit Information]]></category>

		<guid isPermaLink="false">http://micasamidinero.com/myhome/?p=7</guid>
		<description><![CDATA[We all know that we have to be cautious when we use our credit cards. Here is some more information so you can be more informed and be able to balance your finances.
Banks charge different interest rates (depending on the transaction type) on separate amounts of your total balance in a credit card.
Lets say that [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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