1) BadCreditManagement.com
As you stated, the domain is a little long. That's not too much of a problem since the domain's words can be easy to remember. The "bad" part of the domain confuses me, I'm not sure if you're saying the credit management site is bad, or if it's about someone that's bad at managing their credit. Generally, "bad" isn't the best word to use in finance-related or business-related domains. Low $xx.
2) BestRefi.net
I will agree with you that .net isn't the best possible extension for this domain. It's still easy to remember, I'm not sure what happened to the rest of "refinance" but it's more of a catchy name. Low-mid $xx.