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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.. Canceling cards does not help a credit score (The Norman Transcript) - By Marshall LoebMarketWatchNEW YORK -- Is your credit score, that three-digit number that purports to mea . To raise your credit score, pay off cards, don't cancel them (The Buffalo News) - NEW YORK - Is your credit score, that three-digit number that purports to measure the health of your credit history, not as high as you'd like it to be?. 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.. 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.. 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.. Search Continues For Suspected Credit Card Thief (WHIO-TV 7 Dayton) - SUGARCREEK TOWNSHIP, Ohio -- Police in Sugarcreek Township continue to look for a man who went shopping with several stolen credit cards. Investigators said the man used the cards at the Target store on Feedwire Road. They said he was caught buying a DVD and a digital camera.. Six ways to improve (and understand) your credit score (WDBJ 7 Roanoke) - Should I Refinance My Home To Pay Credit Card Debt? A mortgage refinance can be a good way to pay off your credit cards and lower the interest rate on your debts. But weight the pros and cons before making a decision.. Tracking your credit score (The San Luis Obispo Tribune) - The use of credit reports — a report card of one’s financial health — has become so pervasive that it is now a critical component to renting an apartment or even getting a job. It can translate into a low interest rate on a home loan or thousands of dollars a year in additional finance charges.. Business Credit Vital to Getting a Business Loan According to Latest SBA Study (PR Web via Yahoo! News) - Las Vegas, NV (PRWeb) December 1, 2006 -- In a recent survey conducted by Business Credit Services - a Nevada based consulting firm, 86% of small business owners were unaware there is a credit report for their business in addition to their individual credit report..