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Bad Credit? FICO Score Under 650? Yes, You Can Still Refinance (Waynesboro Record Herald) - (ARA) - If you have bad credit or a low FICO score, you're no doubt doing everything possible to turn things around. But if you have an adjustable rate mortgage (ARM), paying off your debts and cleaning up your credit is about to get a whole lot harder.. Getting a Mortgage with Bad Credit (Evening Times) - (ARA) - Having bad credit is not the end of the world and it's not impossible to get a loan. Generally, credit scores below 600 are considered sub-prime and the lower your credit score, the harder it will be for you to secure a mortgage.. Bad Credit and Home Refinance (Pekin Times) - (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 (Benton Evening News) - (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 Loans (Rebuz) - If you have defaulted on a loan or missed a credit card payment, you could easily be regarded as a bad credit risk by financial companies.. South Africa: Deluge of New Credit Cards Both Good And Bad News (AllAfrica.com) - A SURGE in credit card debt and strong growth in the number of available credit cards on the market could lead to growing bad debts at banks next year and the need to provide debt counselling for over-indebted customers, says the National Credit Regulator.. Credit Repair: Beyond the Fair Credit Reporting Act (Carmi 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.. Fair Finance takes leaf out of bank book to give credit where it is due (FT.com via Yahoo! News) - A decade ago, Faisel Rahman was camped out in a tree as part of the guerilla campaign to prevent the Newbury bypass being built.. Mandiri to sell $1.6 billion in bad loans (International Herald Tribune) - Bank Mandiri, the largest lender in Indonesia, plans to auction off by 2008 about 15 trillion rupiah, or $1.6 billion, of bad loans owed by small borrowers in order to help reduce delinquent debt and increase profit.. Singing a Holiday Tune or a Debt Dirge? (The Motley Fool via Yahoo! News) - For many people, the season of giving is also the season of guilt. It's a miserable feeling to be shopping for holiday gifts with a credit card that already has a big balance hanging over your head. It's a helpless feeling of drowning, with the shore nowhere in sight..