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UK banks retain positive credit ratings despite rise in bad debts (thebusinessonline.com) - ALL the hand-wringing over the effect of rising personal insolvencies and bad debt has not changed the positive credit outlooks of big ratings agencies for UK banks.. Credit Challenged Car Buyers Find Help Online (Hornell Evening Tribune) - (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.. New scoring tools empower credit weaklings (Bankrate.com via Yahoo! Finance) - New forms of credit scoring use your payment record on utility bills, rental units and payday loans to assess your ability to repay loans.. Report: High-Cost Loans on The Rise (Washington Post) - In another indication of increasing consumer debt, a new federal report has found that the percentage of borrowers who turned to high-cost loans to buy or refinance their houses rose last year. . U.K. Banks' Unsecured Bad Debts Set to Increase, Says S&P (Bloomberg.com) - Sept. 7 (Bloomberg) -- U.K. banks may see an increase in unsecured bad debts in the ``short term'' as consumers find it harder to repay credit amid rising living costs and after insolvency rules introduced two years ago made defaulting less onerous, said credit analysts at Standard & Poor's Rating Services.. Not so easy to get car loans due to stringent checks (The Star Online) - KUALA LUMPUR: It is harder now to get a loan to buy a new or used car – financial institutions have tightened conditions for all applications.. On Payday, Many GIs Pay Back (Washington Post) - Six months ago, John Elliott, a sailor based at Norfolk Naval Station, was having trouble keeping up with his bills, so he went looking for a quick source of cash to tide him over. While it's bad enough for a civilian to fall deeply into debt, the consequences for members of the military can be . China Signals Possible Interest Rate Increase to Curb Growth (Bloomberg.com) - Sept. 10 (Bloomberg) -- China's government will increasingly turn to monetary policy to slow excessive investment, Vice Premier Zeng Peiyan said, signaling that the central bank may raise the cost of borrowing and curb loans in the fourth quarter.. The Craze For CMB (Forbes) - Investor demand for shares in China's banks shows no sign of abating as China Merchants Bank comes to market in Hong Kong.. Kenya: Banks Climb Mountain of Bad Loans (AllAfrica.com) - With the phenomenal growth of the loans and advances book, it's surprising that the total non-performing loans (NPL) did drop in the first five months of the year..