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Bad Credit and Home Refinance (Bastrop Daily Enterprise) - (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 Challenged Car Buyers Find Help Online (Derby Daily Reporter) - (ARA) - Eighty percent of all Americans have at least one blemish on their credit reports. And a third of all consumers have credit scores so bad that they may have difficulty securing a car loan.. 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.. Around the Markets: Bad credit shines, but will it last? (International Herald Tribune) - The worst are now first in the U.S. market for corporate bonds.. Your Credit Cards Need £1 Billion! (Fool.co.uk via Yahoo! UK & Ireland Finance) - With bad debts on the rise, credit-card firms are hunting for ways to boost their profits. Here are ten tricks to watch out for.. Newell Credit-Default Swaps Rise on Buyout Concerns (Update1) (Bloomberg.com) - Nov. 15 (Bloomberg) -- The cost of credit-default swaps based on Newell Rubbermaid Inc. debt rose after the maker of Sharpie pens and Rolodex organizers said it will eliminate a shareholder rights agreement that offers bondholders protection from a leveraged buyout.. Ten Tips To Get Credit (Fool.co.uk via Yahoo! UK & Ireland Finance) - Read our tips about avoiding the 'other' bad credit spiral and on getting credit.. S.Korea card firms' Q3 net up on active marketing (Reuters via Yahoo! Asia News) - SEOUL, Nov 16 (Reuters) - Combined net profit at South Korea's credit card firms rose 10.6 percent in the third quarter from a year ago, helped by aggressive marketing and reduced bad-loan charges, the financial regulator said on Thursday.. Woman could be hauled off to jail…over a bad haircut? (KATU Portland) - OLYMPIA - Talk about having a bad hair day. A local woman's bad experience at an Olympia salon got way out of hand. One thing led to another, and now she could go to jail -- all over a haircut!. Worries about bad debt hits retailers (Independent Online) - Worries about bad debt have hit South African retailers while a pullback in metals prices knocked mining shares like Impala Platinum..