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  • Bad Credit Car Loans For Borrowers With Horrible Credit: Thousands of borrowers with bad credit are approved everyday for the automobile financing that they need. Do you have bad credit? Do not let your bad credit stand in the way of owning the car, truck, SUV, motorcycle or other vehicle that you need. The...

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  • Lenders slash credit for responsible borrowers - USATODAY.com: This group also isn't terribly profitable for lenders because it pays few credit card fees, says John Ulzheimer, president of consumer education for Credit.com. Though these consumers are less likely to default, lenders still must set aside reserves in case the loans go bad. When lenders close accounts or slash limits, it can increase the proportion of available credit consumers are using, which can hurt their credit scores and make it harder to get other loans. Generally, people who use a high proportion of credit are significantly more likely to default on loans than those who don't, Fair Isaac says. Available credit is a key component of the widely used FICO score, which ranges from 300 to the top rating of 850. As more lenders tighten up on credit, consumers can't afford to be complacent about their scores, Ulzheimer says. By the end of 2010, banks will slash $2.7 trillion of credit on cards, estimates bank analyst Meredith Whitney.

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