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Better credit raises refinance question (Bankrate.com) - Dear Dr. Don, I had bad credit but was recently able to refinance my mortgage from a 10 percent loan to a 7.125 percent loan on a $208,000 loan balance. My credit score's even better now and I can get a 6.375 percent loan, but it would cost me another $4,000 in closing costs. Is it worth it?. Credit Challenged Car Buyers Find Help Online (Wellsville 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 (Sleepy Eye Herald Dispatch) - (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.. HPD: Fatal Carjacking Victim's Credit Card Used (Click 2 Houston) - HOUSTON -- Two people used a credit card belonging to a woman who died after she was apparently carjacked, officials told KPRC Local 2.. Realty Q&A: Best way for single mom to repair credit (Market Watch) - WASHINGTON (MarketWatch) -- Question: I am a single mom who just put herself through nursing school and will soon be in a position to pay off debt that I could not pay off before. My dream is to own a home so that my child will not have to grow up in apartment buildings and will have a yard to play in. . Fed, FTC have yet to issue rules for credit protections enacted in 2003 (Baltimore Sun) - Acongressionally mandated consumer protection of huge potential value to home mortgage applicants has been stalled indefinitely because two federal agencies have not published required regulations, 33 months after the legislation was signed into law. . Better credit raises refinance question (Bankrate.com via Yahoo! Finance) - It all depends on how long you intend to stay in the house, says Dr. Don.. Perfect score: Unrealistic and unnecessary (Bankrate.com via Yahoo! Finance) - While it's theoretically possible to get a perfect credit score, there's really nothing to be gained by it.. Don't let bad credit stop you from buying a home (Reno Gazette-Journal) - One of my best friends asked me "what is your credit score? at lunch a few weeks ago.. AT&T: Hackers Took Credit Card Info (WGAL 8 Susquehanna Valley) - Hackers have obtained the credit card details of almost 19,000 online shoppers from AT&T..