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Bad Credit and Home Refinance (Stuttgart Daily Leader) - (ARA) - Mortgage rates are at historic lows, and it seems like everyone's jumping on the refinance bandwagon these days. But is it really a good idea for people with bad credit?. Credit Repair: Beyond the Fair Credit Reporting Act (Arkadelphia Daily Siftings Herald) - (ARA) - Bad credit can happen to good people. On a day-to-day basis, you can't control all the factors that influence your credit score. What's more, credit reports often contain errors.. Thursday November 16, 2006 By Adam Bennett (The New Zealand Herald) - The fiercely competitive home loan market leaves banks increasingly vulnerable to loan defaults if there is a major economic downturn, the Reserve Bank warns.. Debt Management Smart Guide (Moneymanager) - Before taking out a loan check: the term of the loan the interest rate and number of payments the way the rate is determined (variable or fixed) fees besides the interest payments actual amount that will be paid type of security required early repay options (penalty?) terms if you are unable to repay the loan contract covered by Consumer Credit Code?. Home Equity Loans Latest Debt Reduction Strategy According to ChristiaNet Poll (PR Web) - Home equity loans such as bad credit financing, interest only mortgage, line of credit and second mortgages are some of the home equity loan related articles at http://www.christianet.com/homeequityloans/. (PRWeb Nov 10, 2006). Making inroads with Hispanic home buyers (San Antonio Express News) - Hispanic homeownership and buying power are expected to surge in the next few years. But few companies — even in a city like San Antonio — truly understand how to tap into the community.. Identity theft often begins at home, surveys find (Minneapolis-St. Paul Star Tribune) - In the five years since his divorce, Eric Wagenhauser had moved on with his life. He had remarried and was sharing custody of the three children from his first marriage with his former wife. Then last year he discovered a new wrinkle on American divorce: His former wife had used the children's Social Security numbers to obtain nine credit cards in their names. Wagenhauser's ordeal over the next . Property-tax-deferral plan could give seniors a break (Deseret Morning News) - Senior citizen homeowners could get a break on future property tax increases if a bill approved by a legislative committee becomes law in the 2007 Utah Legislature.. Personal Loans Smart Guide (Moneymanager) - What you'll learn in this step: shop around for the best debt deal. There’ll come a time in your life when you’re faced with deciding whether to borrow money. You may be a student needing some funds to complete your degree or perhaps you’re considering buying a car or a home.. The Death Of Cheap Credit? (Fool.co.uk via Yahoo! UK & Ireland Finance) - With the Bank of England raising its base rate, the cost of borrowing is set to rise. Does this spell the end for ultra-low-rate loans?.