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Your credit score. It's the magic three-digit number that offers you access to a world of opportunity, like renting a fabulous apartment, or snagging a cheaper rate on a home mortgage or a car loan.Yet one in five Millennials have never even checked their credit score, according to new data by LendEDU, an online marketplace for student loan refinancing.But if you're not planning on making any major purchases, do you really need good credit?Most people are familiar with the notion of presenting your credit score when you lease a car or rent an apartment. But everything from your deposit requirements set by utility companies to the premium you pay for your insurance can be affected by your credit score, according to Jeff Richardson, a credit expert at VantageScore."A low credit score can mean the difference of thousands and thousands of dollars," says Richardson.Here are three ways you may be really mismanaging your credit:1. Getting sloppy with contractsYou're nearing the end of a car or apartment lease, and the end is in sight. But forgetting to pay that final utility bill before moving, or defaulting on your apartment lease, can land your credit score in hot water, says John Ulzheimer, a credit expert at The Ulzheimer Group."Not paying final utility bills is a particularly important to be wary of since young people tend to be more nomadic than older people," he says.You can also end up with a lower credit score by running up excessive mileage on a car lease or failing to pay for damage to an automobile or an apartment."These are the terms that are often overlooked by younger credit users and jump up to bite them in the form of a large lump sum required payment," he says.2. Overdoing it with credit card applicationsIt can be tempting to apply for retail credit cards to save some money on your shopping purchases, but failing to space out applications can temporarily damage your credit score, according to Ulzheimer.He notes that young people should be particularly cautious over the holidays, when many retailers urge people to take advantage of big discounts for holiday sales.Every time you apply, the creditor will run a credit check before they approve you for a new card.Not only are the credit checks a temporary drag on your score, but opening new cards can drag down the average age of your credit history, another factor that weighs on your score."[Retail cards] result in several new credit inquiries and new accounts, and both of those can hurt your credit scores," he says.3. Avoiding credit altogetherThese days, it feels increasingly easier to avoid using credit cards. Apple Pay, Paypal, Venmo and prepaid debit cards have vastly changed the way people make financial transactions."Back in the day there were very little options outside of a general use credit card," says Richardson.Today, however, young people can't even access credit cards until they have proof of income, as a result of the Credit Card Act of 2009. That is causing many people to delay building their credit score -- a mistake that may haunt them as they try to make larger purchases later in life, according to Richardson."Unless you're going to write a check to buy a car or house, you're going to need some sort of credit," he says. "Credit avoidance is simply not credit management." 3329

According to an affidavit from Metro Nashville police, those bags belonged to 57-year-old Somphone Temmeraj. He flew to Nashville from Seattle. Around 7 p.m. Monday, both a K-9 and officers smelled a strong odor of marijuana coming from three bags and saw a man come to pick them up. 285

and a shoe, according to court documents. The Marion County Prosecutor's Office released the probable cause charging documents Wednesday, which detail the argument that escalated into a domestic violence incident July 5. Court documents allege Portwood and her boyfriend, Andrew Glennon, were going to see fireworks with their 1-year-old son at Geist Bridge when they got stuck in traffic and she became angry. The boyfriend told police that he dropped Portwood off at their home so she could "cool off" and took their son for a drive. When he returned home he said Portwood attacked him with a shoe so he left the house again. About three hours later, the boyfriend told police he came back home with a gift and food for Portwood and she came at him again while he was holding their son. In those court documents, the boyfriend claims Portwood threatened to kill herself and grabbed a handful of Klonopin and "tossed it back like it was nothing." When the boyfriend threatened to call for help she "regurgitated the pills."After that incident, the boyfriend claims Portwood came at him with a machete and he locked himself and their son into another room. He called for help as Portwood began hitting the door with the machete and kicking it until she broke the handle. Portwood broke down before police arrived and they had to call for backup after she began yelling at the officer. Portwood denied the incident with the pills and the machete but admitted to hitting her boyfriend while he was holding their son. 1517

if he were elected president.When asked about his plan for a mandatory gun-buyback program for assault rifles during Thursday's presidential debate, O'Rourke responded by saying "hell, yes, we're going to take your AR-15." O'Rourke tweeted the phrase following the debate.Texas State Rep. Briscoe Cain (R-Deer Park), responded to O'Rourke's tweet by saying "My AR is ready for you Robert Francis." Cain later deleted the tweet.O'Rourke responded to Cain's tweet by calling it a "death threat." 496

citing an official autopsy released Friday.Skaggs was found dead in his hotel room on July 1 after he was late arriving to the stadium in Arlington, Texas. Skaggs had pitched just two days earlier. The Skaggs family released a statement to the Los Angeles Times: "We are heartbroken to learn that the passing of our beloved Tyler was the result of a combination of dangerous drugs and alcohol. That is completely out of character for someone who worked so hard to become a Major League Baseball player and had a very promising future in the game he loved so much.“We are grateful for the work of the detectives in the Southlake Police Department and their ongoing investigation into the circumstances surrounding Tyler’s death. We were shocked to learn that it may involve an employee of the Los Angeles Angels. We will not rest until we learn the truth about how Tyler came into possession of these narcotics, including who supplied them. To that end, we have hired attorney Rusty Hardin to assist us.”According to the CDC, fentanyl is 50 to 100 times more potent than morphine. Vomiting is considered one of the side effects of fentanyl, especailly when mixed with alcohol. 1178