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		<title>FTC warns beware of credit repair scams</title>
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		<link>http://integratedcreditspecialists.com/2012/01/ftc-warns-beware-of-credit-repair-scams/</link>
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		<title>5 Things you must do before attempting to get business credit</title>
		<description><![CDATA[1. Formalize your business. If you are a sole proprietor you and your business are the same and  the &#8220;business credit&#8221; you obtain is really personal credit. You formalize your business by setting up an Limited Liability Company (LLC) , corporation, not-for-profit or other formal structure. 2. Apply for a Federal Employee Identification Number (EIN). [...]]]></description>
		<link>http://integratedcreditspecialists.com/2011/04/5-things-you-must-do-before-attempting-to-get-business-credit/</link>
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		<title>You asked for it!</title>
		<description><![CDATA[As a credit expert, I am constantly asked by business owners and entrepreneurs if I can help them establish business credit. The answer is&#8230;Yes! We are in the process of adding building  business credit education to our products. We are so excited! Stay tuned for more.]]></description>
		<link>http://integratedcreditspecialists.com/2011/04/can-a-foreclosure-be-stopped/</link>
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		<title>Top 5 bankruptcy myths debunked</title>
		<description><![CDATA[I was on a well respected credit website today reading their recent blog and I was blown away by the misinformation they were giving about the pros and cons of filing bankruptcy. Having gone through a bankruptcy personally and having counseled hundreds of clients who have filed a bankruptcy, I can tell you that bankruptcy [...]]]></description>
		<link>http://integratedcreditspecialists.com/2011/03/bankruptcy-myths-debunked/</link>
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		<title>IRS tax tip:Ten Important Facts About Capital Gains and Losses</title>
		<description><![CDATA[Did you know that almost everything you own and use for personal or investment purposes is a capital asset? Capital assets include a home, household furnishings and stocks and bonds held in a personal account. When a capital asset is sold, the difference between the amount you paid for the asset and the amount you [...]]]></description>
		<link>http://integratedcreditspecialists.com/2011/02/irs-tax-tipten-important-facts-about-capital-gains-and-losses/</link>
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		<title>OMG&#8230; Adjustable rate mortgages coming back</title>
		<description><![CDATA[According to CNNmoney.com,  Adjustable Rate Mortgages, also known as ARMS are coming back. Adjustable rate mortgages accounted for nearly 70% of all mortgages during the housing boom. ARMs disappeared after the bust,  accounting for only 3% of the market in 2009.  Now, they make up 5% of all mortgages issued.  Freddie Mac predicts an increase [...]]]></description>
		<link>http://integratedcreditspecialists.com/2011/02/omg-adjustable-rate-mortgages-coming-back/</link>
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		<title>Buyer beware when purchasing your credit score</title>
		<description><![CDATA[You&#8217;ve seen the ads, &#8220;Get your credit score now&#8221; &#8220;Instantly get your credit score&#8221; and so on.  Buyer beware! Not all credit scores are created equal.  Fair Issac and Company set the standard for the credit scoring model that we use in the United States.  Most lenders will use the FICO score to determine your [...]]]></description>
		<link>http://integratedcreditspecialists.com/2011/02/buyer-beware-when-purchasing-your-credit-score/</link>
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		<title>Credit Karma takes the mystery out of credit scoring</title>
		<description><![CDATA[As a Credit Expert, I regularly give seminars on credit scoring. My goal is to provide resources and knowledge that empowers my clients financially through credit education. One of those resources that I recommend is Credit Karma. It is common knowledge that having amount of credit helps to optimize your credit score. But, it is [...]]]></description>
		<link>http://integratedcreditspecialists.com/2010/11/credit-karma-takes-the-mystery-out-of-credit-scoring/</link>
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		<title>Credit Tip: November 20, 2010</title>
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		<link>http://integratedcreditspecialists.com/2010/11/credit-tip-november-20-2010/</link>
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		<title>Dominate Your Destiny Opening Video</title>
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		<link>http://integratedcreditspecialists.com/2010/10/dominate-your-destiny-opening-video/</link>
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