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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.. 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?. 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.. 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.. 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.. Fitch says rising bad debt still manageable (Financial Times) - The UK's biggest banks are likely to see further deterioration in the quality of their unsecured loan and credit card portfolios as consumers continue to struggle, according to a new report published today.. 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?. 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.. Bad Credit Loans Such as Payday Advances Only for Emergencies According to ChristiaNet Poll (Market Wire via Yahoo! Finance) - ChristiaNet.com, the world's largest Christian portal with twelve million monthly page loads, conducted a recent survey to ask readers, "Should Christians get bad credit loans?" The majority of participants do not think payday advances are a good idea because of the extremely high interest and fees associated with them.. Kitco - Contributed Commentaries - Richard Daughty (Kitco.com) - -- Nervously peering through the periscope of the Impregnable Mogambo Bunker (IMB), I see that Total Fed Credit is back to its old ways last week, and was up, but not by too much, as the increase was only $1.8 billion..