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(ARA) - With the economy reeling and home loan rates at a nine-month high, lenders are scrutinizing everyone’s credit history like never before. Yet, many Americans don’t realize the impact of late payments on their credit score and their finances.

Darla LaValle sued over credit balance (The Beaver County Times)
State Sen. Gerald LaValle s wife, Darla, already facing criminal charges for allegedly stealing money from a Rochester nonprofit she formerly directed, has been sued for failing to pay more than $8,000 in credit card charges.

Credit crunch hits small businesses (CNN Money)
Stephani Smith’s Maui-based healthy meals delivery company had been thriving since 2004, but needed financial assistance to expand its marketing efforts and Web exposure.

Choking On Credit Card Debt (Forbes)
It’s easy to get and hard to shake but with some discipline you can dig yourself out of credit card debt.