This column was originally published on RealMoney on Jan. 29 at 11:58 a.m. EST. It's being republished as a bonus for TheStreet.com readers. For more information about subscribing to RealMoney, please click here .

If everything is so horrible in mortgage land and credit card land, does someone want to tell me why anyone would want Countrywide ( CFC) or MasterCard ( MA)?

But Countrywide is the subject of buyout chatter by Bank of America ( BAC), which doesn't need to double-down on mortgages. Yet that's just what B of A would be doing if it does the deal.

We're supposed to be so fearful of credit cards, yet there's been one of the most furious big rises that I have ever seen in MasterCard.

Countrywide's got models that tell me if you know how to lend to the subprime market, you are not in trouble In fact, you are in clover. MasterCard's price action says that the consumer is spending and not stretched.

When I see these moves I keep thinking, "Don't freak out on these two issues because the ultimate tells of the groups are ramping." That's just a great defense when the bears go nuts with these issues.

Random musings: I've found your new favorite tool: TheStreet.com Ratings Screener . Use it to find exactly the stock you're looking for -- c'mon, I know you resolved that this is the year you get more involved in stocks. This is the easiest way yet to make sense of a universe of more than 6,000 names. It's all here, sorted by market cap, rating and more.
At the time of publication, Cramer had no positions in any of the stocks mentioned in this post.

Jim Cramer is a director and co-founder of TheStreet.com. He contributes daily market commentary for TheStreet.com's sites and serves as an adviser to the company's CEO. Outside contributing columnists for TheStreet.com and RealMoney.com, including Cramer, may, from time to time, write about stocks in which they have a position. In such cases, appropriate disclosure is made. To see his personal portfolio and find out what trades Cramer will make before he makes them, sign up for Action Alerts PLUS. Watch Cramer on "Mad Money" weeknights on CNBC. Click here to order Cramer's latest book, "Mad Money: Watch TV, Get Rich," click here to order his book, "Real Money: Sane Investing in an Insane World," click here to get his second book, "You Got Screwed!" and click here to order Cramer's autobiography, "Confessions of a Street Addict." While he cannot provide personalized investment advice or recommendations, he invites you to send comments on his column by clicking here.

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