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	<title>Joe Knows Mortgages &#187; credit</title>
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		<title>What to do if you have no credit?  Secured credit cards and one way to establish credit</title>
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		<pubDate>Fri, 22 Oct 2010 13:47:14 +0000</pubDate>
		<dc:creator>Joe Harris</dc:creator>
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		<description><![CDATA[One way to establish credit is to get a secured credit card.  A secured card will work just as any other credit card will, however, these cards require a security deposit.  So, if you start with a deposit, or security, of $200, the creditor will give you a $200 limit.  If you pay your bill on time, after a while, some companies will even return your deposit, and increase your limit.]]></description>
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		<title>8 Credit Mistakes to Avoid Durring the Loan Process</title>
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		<comments>http://www.joeknowsmortgages.com/8-credit-mistakes-to-avoid-durring-the-loan-process/#comments</comments>
		<pubDate>Thu, 29 Jul 2010 01:21:20 +0000</pubDate>
		<dc:creator>Joe Harris</dc:creator>
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		<description><![CDATA[There are many new rules and stricter credit guidelines that continue to impact borrowers qualifications.  While the borrower's credit is pulled prior to application, many do not realize that the underwriter can, and in many cases, is re-pulling the credit of the applicant prior to closing.]]></description>
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