TransUnion said today that the serious mortgage delinquency rate is heading downhill at a quickening pace, however long term delinquencies and the slow process of resolving them are impeding a return to more normal rates.   According to year-end data from the credit reporting company, the rate of serious delinquencies – 60 days or more – fell 14 percent in 2012 compared to 7% in 2010 and 6% in 2011.  By

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