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Bad Credit and Home Refinance (Benton Evening News) - (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?. 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.. Credit Challenged Car Buyers Find Help Online (Sleepy Eye Herald Dispatch) - (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.. 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.. Credit Repair: Beyond the Fair Credit Reporting Act (Evening Times) - (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.. Off the Charts: Is bad credit a good idea? (International Herald Tribune) - Is it a good thing to have a high credit rating? More and more, corporations have their doubts that the answer is yes.. Profitability of credit card issuers comes under threat (Financial Times) - The profitability of credit card issuers is coming under pressure from rising bad debts and increased regulation, according to a new study.. Bad debt up for HSBC's US unit (The Royal Gazette) - LONDON (Bloomberg) – HSBC Holdings Plc, Europe’s biggest bank by market value, said third-quarter bad debts in the US rose 12 percent, eroding earnings at its consumer-finance and retail- banking units.Total bad loans in the two units rose 12 percent to $1.59 billion from $1.43 billion in the year-ago quarter, the company said in a statement yesterday.. Our Say: Bay needs more than marginal improvements (HometownAnnapolis.com) - Reporting the same bad news year after year isn't enjoyable. So we give the Chesapeake Bay Foundation credit for creating and sticking with its annual "State of the Bay" report.. Credit card clients to face £35 annual fee (Daily Telegraph) - Credit card users could have to pay £35 a year as providers try to cover the cost of caps to penalty charges..