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	<title>Credit Stuff - A Discussion</title>
	<link>http://www.credit-stuff.numbershow.com</link>
	<description>All Things Credit</description>
	<lastBuildDate>Sat, 03 Jul 2010 02:16:35 +0000</lastBuildDate>
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		<title>How do you calculate your debt to credit ratio?</title>
		<description><![CDATA[PlasticTrees asked: Or is it credit to debt ratio? Either way, I am a college student with 1k of bad marks on my credit report from years ago. I want to get a secured credit card for the amount that would look good to lenders like &#8220;this person pays on time and has a valuable [...]]]></description>
		<link>http://www.credit-stuff.numbershow.com/how-do-you-calculate-your-debt-to-credit-ratio.html</link>
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		<title>How do you determine total debt for for debt ratio?</title>
		<description><![CDATA[Sarah R asked: Im having trouble determining the total for the debt ratio of total debt divided by total assets. I need Wal-Marts total debt, but not sure what categories on the balance sheet are included. Do I add total current liabilities, long term debt, long term obligations under capital leases, deferred income taxes and [...]]]></description>
		<link>http://www.credit-stuff.numbershow.com/how-do-you-determine-total-debt-for-for-debt-ratio.html</link>
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		<title>Can I get a loan with over 50% down but with high debt ratio?</title>
		<description><![CDATA[at asked: I am planning to do a 1031 exchange sell one high price property and buy couple other properties. My FICO score is around 670 but because of the number of rental properties I currently own, it puts my debt ratio to unacceptabe high to qualifiy any conventional 20% down loan. Any body knows [...]]]></description>
		<link>http://www.credit-stuff.numbershow.com/can-i-get-a-loan-with-over-50-down-but-with-high-debt-ratio.html</link>
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		<title>How can you raise you credit score even when you pay on time?</title>
		<description><![CDATA[amhjp1820 asked: Ok, past credit messed me up. I have a judgement thats almost paid off. I am trying to raise my credit score.I have 3 new accounts that I&#8217;ve paid on time for over 1 year. I read that one way to raise your score is to &#8221; piggy back&#8221; on a relatives good [...]]]></description>
		<link>http://www.credit-stuff.numbershow.com/how-can-you-raise-you-credit-score-even-when-you-pay-on-time.html</link>
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		<title>How many credit cards should you have to rebuild credit?</title>
		<description><![CDATA[Nikita asked: I am trying to rebuild my credit after ID theft, a couple of problems that were mine and years of basically not having any credit reported. (I primarily use my debit card and pay cash for everything). I make good money now and am trying to rebuild in order to purchase a condo [...]]]></description>
		<link>http://www.credit-stuff.numbershow.com/how-many-credit-cards-should-you-have-to-rebuild-credit-4.html</link>
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		<title>How do I switch credit cards and not affect my credit score?</title>
		<description><![CDATA[salena asked: I want to get a frequent flyer credit card but I already have 3 credit cards with generous limits. I don&#8217;t need these credit cards and I would like to cancel them and have this &#8220;possible credit&#8221; to go towards the new card. I heard once that canceling a credit card has a [...]]]></description>
		<link>http://www.credit-stuff.numbershow.com/how-do-i-switch-credit-cards-and-not-affect-my-credit-score-4.html</link>
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		<title>How does a rental mortgage and rental income affect your debt ratio?</title>
		<description><![CDATA[David E asked: For instance: Is it $1500 rental income &#8211; $1000 rental mortgage = $500 added to your income only or Is $1500 of rental income added to your total income and $1000 added to your total debt and they are considered separate of each other in the ratio?Jean]]></description>
		<link>http://www.credit-stuff.numbershow.com/how-does-a-rental-mortgage-and-rental-income-affect-your-debt-ratio.html</link>
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		<title>Debt consolidation will leave you with a huge debt ratio, and close all your credit cards?</title>
		<description><![CDATA[Labrythn asked: When you consolidate debt, it shows all old debts as being paid, etc, but the one new debt ratio, which is the amount being owed to the consolidation company will be huge. QUESTION: Does It lower the credit score to have a huge debt ratio like this? OTHER QUESTION: and you also want [...]]]></description>
		<link>http://www.credit-stuff.numbershow.com/debt-consolidation-will-leave-you-with-a-huge-debt-ratio-and-close-all-your-credit-cards.html</link>
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		<title>who long before debt ratio reflects recently paid off credit card?</title>
		<description><![CDATA[dondizzle404 asked: I have a credit card that I am about to pay off in the next couple days. I want to increase my chances for getting a loans. How long should I wait to apply for the loan after the card is paid off so my current debt ratio reflects the new balance of [...]]]></description>
		<link>http://www.credit-stuff.numbershow.com/who-long-before-debt-ratio-reflects-recently-paid-off-credit-card.html</link>
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		<title>Debt ratio?</title>
		<description><![CDATA[christina.yost asked: my debt ratio is 27.00%&#8230; i personally bring home $3,000 a month (my husband brings home about the same). i have no credit, my husband has pretty bad credit. will debt to income ratio be a factor in buying a house? how likely am i going to be able to buy a house [...]]]></description>
		<link>http://www.credit-stuff.numbershow.com/debt-ratio.html</link>
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