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	<title>CALIFORNIA LOAN FIND &#187; Carol&#8217;s Borrowing Series Online  &#8211; California Loan Find</title>
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	<description>ONLINE LOAN FINDER - PERSONAL LOANS - GOOD AND BAD CREDIT BORROWERS</description>
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		<title>End of My Personal Loan Series</title>
		<link>http://californialoanfind.com/end-of-my-personal-loan-series/</link>
		<comments>http://californialoanfind.com/end-of-my-personal-loan-series/#comments</comments>
		<pubDate>Tue, 13 Jul 2010 14:05:45 +0000</pubDate>
		<dc:creator>Carol Williams</dc:creator>
				<category><![CDATA[Carol's Borrowing Series]]></category>
		<category><![CDATA[Banks]]></category>
		<category><![CDATA[borrowing]]></category>
		<category><![CDATA[California Loan Find]]></category>
		<category><![CDATA[carol]]></category>
		<category><![CDATA[clf]]></category>
		<category><![CDATA[goodbye]]></category>
		<category><![CDATA[lending]]></category>
		<category><![CDATA[series]]></category>
		<category><![CDATA[writer]]></category>

		<guid isPermaLink="false">http://californialoanfind.com/?p=1426</guid>
		<description><![CDATA[Well the time has come for me to bid you farewell, as I am finished this series on consumer borrowing. I will be back with work, don&#8217;t be dismayed in any way!  I have reviewed many ingredients to help you position your financial affairs to become sweet as spring, and right as rain. Though, at the [...]]]></description>
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		<title>Understanding Electronic Loan Applications</title>
		<link>http://californialoanfind.com/understanding-electronic-loan-applications/</link>
		<comments>http://californialoanfind.com/understanding-electronic-loan-applications/#comments</comments>
		<pubDate>Sun, 13 Jun 2010 15:43:49 +0000</pubDate>
		<dc:creator>Carol Williams</dc:creator>
				<category><![CDATA[Carol's Borrowing Series]]></category>
		<category><![CDATA[bank computers]]></category>
		<category><![CDATA[banking databases]]></category>
		<category><![CDATA[borrowing money]]></category>
		<category><![CDATA[computers]]></category>
		<category><![CDATA[electronic banking]]></category>
		<category><![CDATA[electronic loan applications]]></category>
		<category><![CDATA[Internet loan apps]]></category>

		<guid isPermaLink="false">http://californialoanfind.com/?p=1381</guid>
		<description><![CDATA[ With technology as advanced as it is today, we should touch on the fact that banks keep detailed profiles on each client. The quality of the profile information depends on the type of internal computer infrastructure that exists for that bank. Almost all banks in the United States have a global presence, and a strong [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Apply for your Loan with One Bank &#8211; (only)</title>
		<link>http://californialoanfind.com/apply-for-your-loan-with-one-bank-only/</link>
		<comments>http://californialoanfind.com/apply-for-your-loan-with-one-bank-only/#comments</comments>
		<pubDate>Fri, 28 May 2010 18:05:57 +0000</pubDate>
		<dc:creator>Carol Williams</dc:creator>
				<category><![CDATA[Carol's Borrowing Series]]></category>
		<category><![CDATA[bank database]]></category>
		<category><![CDATA[multiple applications]]></category>
		<category><![CDATA[one bank]]></category>
		<category><![CDATA[one loan]]></category>

		<guid isPermaLink="false">http://californialoanfind.com/apply-for-your-loan-with-one-bank-only/</guid>
		<description><![CDATA[The days are gone when we could walk into a bank and to speak with the manager, who knew us since our parents set up our first savings accounts. Nowadays, knowing the bank manager carries with it little weight at all. Bank managers are now sales managers, focused on building teams to book business. Most [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Borrower Loan Application Case Study</title>
		<link>http://californialoanfind.com/borrower-loan-application-case-study/</link>
		<comments>http://californialoanfind.com/borrower-loan-application-case-study/#comments</comments>
		<pubDate>Sun, 23 May 2010 15:34:39 +0000</pubDate>
		<dc:creator>Carol Williams</dc:creator>
				<category><![CDATA[Carol's Borrowing Series]]></category>
		<category><![CDATA[applying for loan. loan officer]]></category>
		<category><![CDATA[bank managers]]></category>
		<category><![CDATA[borrower case study]]></category>
		<category><![CDATA[client interview]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[debt repayment]]></category>

		<guid isPermaLink="false">http://californialoanfind.com/?p=1360</guid>
		<description><![CDATA[Meet Mr. Roberts Mr. Roberts, a fictional character for this personal financing case study, is applying for a loan when the loan officer (lender) asks him, &#8220;What loans and credit cards do you currently have?&#8221; Mr. Roberts replies, &#8220;Here is a recent copy of my Credit Bureau report I received last week. Can you tell [...]]]></description>
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		<title>What to Say (and Not) to Say to a Loan Officer</title>
		<link>http://californialoanfind.com/getting-approved-for-a-loan/</link>
		<comments>http://californialoanfind.com/getting-approved-for-a-loan/#comments</comments>
		<pubDate>Mon, 17 May 2010 12:51:52 +0000</pubDate>
		<dc:creator>Carol Williams</dc:creator>
				<category><![CDATA[Carol's Borrowing Series]]></category>
		<category><![CDATA[bank approval policies]]></category>
		<category><![CDATA[Banks]]></category>
		<category><![CDATA[client interview]]></category>
		<category><![CDATA[disclosure]]></category>
		<category><![CDATA[divorce]]></category>
		<category><![CDATA[lenders]]></category>
		<category><![CDATA[loan officer]]></category>
		<category><![CDATA[what not to say]]></category>
		<category><![CDATA[what to say]]></category>

		<guid isPermaLink="false">http://californialoanfind.com/?p=1334</guid>
		<description><![CDATA[Credit is a privilege, not a right. It&#8217;s something that needs to be earned &#8211; like respect. Don&#8217;t expect to receive it without qualifying why you are eligible. Simply having a good story and a bank account does not advance your opportunity for success, or getting the lowest rate. To understand how to get a [...]]]></description>
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		<slash:comments>3</slash:comments>
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		<title>Banking Industry Trends</title>
		<link>http://californialoanfind.com/banking-industry-trends/</link>
		<comments>http://californialoanfind.com/banking-industry-trends/#comments</comments>
		<pubDate>Fri, 07 May 2010 21:09:17 +0000</pubDate>
		<dc:creator>Carol Williams</dc:creator>
				<category><![CDATA[Carol's Borrowing Series]]></category>
		<category><![CDATA[banking industry]]></category>
		<category><![CDATA[Banks]]></category>
		<category><![CDATA[trends in banking]]></category>

		<guid isPermaLink="false">http://californialoanfind.com/?p=1310</guid>
		<description><![CDATA[Aside from insurance, commodity and global market focuses, banks are in the business of lending money to retail and commercial markets to earn a profit. Profit (revenue) is earned through the collection of fees and interest. The Way Banking Was At one time local banks had the upper hand when it came time for the [...]]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>How To Report Your Income &#8211; Taxes</title>
		<link>http://californialoanfind.com/how-to-report-your-income-taxes/</link>
		<comments>http://californialoanfind.com/how-to-report-your-income-taxes/#comments</comments>
		<pubDate>Sun, 21 Mar 2010 23:11:59 +0000</pubDate>
		<dc:creator>Carol Williams</dc:creator>
				<category><![CDATA[Carol's Borrowing Series]]></category>
		<category><![CDATA[assessment letter]]></category>
		<category><![CDATA[bending tax rules]]></category>
		<category><![CDATA[commissions]]></category>
		<category><![CDATA[gds ratio]]></category>
		<category><![CDATA[income reporting]]></category>
		<category><![CDATA[IRS]]></category>
		<category><![CDATA[personal income]]></category>
		<category><![CDATA[salespeople]]></category>
		<category><![CDATA[taxes]]></category>
		<category><![CDATA[tds ratios]]></category>

		<guid isPermaLink="false">http://californialoanfind.com/?p=1182</guid>
		<description><![CDATA[People who are not self-employed receive at the end of the year an income receipt slip from their employers. They complete their Form 1040 (United States Individual tax return) then submit it to the IRS. They either pay additional tax or enjoy a moderate refund. It is through this income reporting that lenders verify the [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Credit Scoring Codes and How to Keep an R1 Rating &#8211; Tips</title>
		<link>http://californialoanfind.com/credit-scoring-codes-and-how-to-keep-an-r1-rating-tips/</link>
		<comments>http://californialoanfind.com/credit-scoring-codes-and-how-to-keep-an-r1-rating-tips/#comments</comments>
		<pubDate>Mon, 15 Mar 2010 13:25:03 +0000</pubDate>
		<dc:creator>Carol Williams</dc:creator>
				<category><![CDATA[Carol's Borrowing Series]]></category>
		<category><![CDATA[borrowing tips]]></category>
		<category><![CDATA[carol]]></category>
		<category><![CDATA[credit history]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[money]]></category>

		<guid isPermaLink="false">http://californialoanfind.com/?p=1175</guid>
		<description><![CDATA[These four tips will help you maintain a strong credit rating. These are the very basic, and most important tips for keeping your credit rating in good shape going forward. 1) Know your financial worth. It&#8217;s impossible to plan and stay on a budget if you don&#8217;t know how much money you have to work [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>How To Correct Credit Bureau Errors</title>
		<link>http://californialoanfind.com/how-to-correct-credit-bureau-errors/</link>
		<comments>http://californialoanfind.com/how-to-correct-credit-bureau-errors/#comments</comments>
		<pubDate>Sun, 07 Mar 2010 15:56:16 +0000</pubDate>
		<dc:creator>Carol Williams</dc:creator>
				<category><![CDATA[Carol's Borrowing Series]]></category>
		<category><![CDATA[bad marriage]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[correction]]></category>
		<category><![CDATA[credit bureau]]></category>
		<category><![CDATA[divorce]]></category>
		<category><![CDATA[errors]]></category>
		<category><![CDATA[responsibility]]></category>

		<guid isPermaLink="false">http://californialoanfind.com/?p=1169</guid>
		<description><![CDATA[If there is a mistake in your file, you must challenge it. Most credit bureau errors can be corrected by providing receipts to prove that you&#8217;ve made a payment, or by getting the bureau to check with the creditor. Simply fill out a form requesting the appropriate item be removed from your file, making mention [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Your Credit Score &#8211; What Information the Banks are Allowed to Share</title>
		<link>http://californialoanfind.com/your-credit-score-what-information-are-the-banks-allowed-to-share/</link>
		<comments>http://californialoanfind.com/your-credit-score-what-information-are-the-banks-allowed-to-share/#comments</comments>
		<pubDate>Sun, 28 Feb 2010 13:29:39 +0000</pubDate>
		<dc:creator>Carol Williams</dc:creator>
				<category><![CDATA[Carol's Borrowing Series]]></category>
		<category><![CDATA[bureaus]]></category>
		<category><![CDATA[credit agencies]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[mortgages]]></category>

		<guid isPermaLink="false">http://californialoanfind.com/?p=1159</guid>
		<description><![CDATA[You may be surprised to learn that most banks don&#8217;t report your mortgage balance or repayment history to a credit bureau agency. When you review your report your mortgage will not appear on it. There is no mistake here. This also means, similar to overdrafts and private loans, a lender reviewing your application for credit [...]]]></description>
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