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SYLMAR, LOS ANGELES (KGTV) -- Crews are battling a rapidly-spreading brush fire in northern Los Angeles County late Thursday night amid a statewide Red Flag Warnings.News station ABC7 is reporting that the 15-acre blaze, named Saddleridge Fire, is burning near homes and power lines.The fire erupted around 10 p.m. near the westbound 210 Freeway near Yarnell Street, according to the Los Angeles Fire Department.Flames stopped traffic along the 210 when the fire jumped from the westbound side to the eastbound side. Motorists are advised to avoid the area.Firefighters are facing strong Santa Ana winds which fueled several fires up and down California on Thursday.The Los Angeles Fire Department announced evacuations in the city of Sylmar."There are currently evacuations underway being directed by firefighters in the neighborhood affected," fire officials said.DEVELOPING: This story will be updated as more information becomes available.Firefighters battling multi-acre fire in #Sylmar. Multiple structures are threatened and evacuations underway near Saddle Ridge Road. https://t.co/HEXBHBXFIg— ABC7 Eyewitness News (@ABC7) October 11, 2019 1156

Starter credit cards, aimed at those who are new to credit, have been around since at least the 1970s — and they used to be much easier to qualify for.Card issuers once were able to lure young adults, particularly students, with a variety of incentives that federal regulations now prohibit under the Credit Card Act of 2009.“When you started college prior to the Card Act, you could get a Frisbee and a credit card at the same time, or a chance to win a computer and a credit card,” said Rod Griffin, senior director of public education and advocacy at Experian, a credit reporting agency.Credit card eligibility requirements are stiffer now, especially amid the COVID-19-related downturn, as banks tighten lending standards to mitigate risk. It all adds up to more obstacles for those seeking to start the clock on their credit history. About 20% of the U.S. adult population doesn’t have a scorable credit file with the three major credit bureaus, according to a report by the Consumer Financial Protection Bureau.Still, qualifying for a starter card is not impossible, and more options exist today.Eligibility for starter credit cardsThe same CFPB report also notes that credit cards are the most common way to establish a credit file for all income levels and age groups.But age matters in terms of your eligibility for a starter card.IF YOU’RE UNDER 21Applicants generally have to be 18 to apply for a credit card on their own. Applicants under 21 can only report independent personal income, including regular allowances. If you’re a student, you may also report scholarships and grants.“I got the Discover student credit card on the first try,” said Karumi Narasaki, a 20-year-old student based in Indiana and creator of the YouTube channel Rumi’s Life. When she applied for the card, she says she included part-time income from two jobs and school aid received to cover books, rent and food.IF YOU’RE OVER 21Once you turn 21, income restrictions loosen slightly. You can include any income to which you have reasonable access, such as the income of a partner or a spouse, for instance. Income is still a necessary requirement to demonstrate your ability to make payments on borrowed amounts. Other requirements may also exist, depending on the card.If you can’t meet the income requirement at any age, a co-signer could help you build credit with a credit card. You’ll get your own credit card and account, but the co-signer assumes responsibility for the bill if you can’t pay it. Not many issuers allow co-signers on credit card applications these days, but there are still some that do.Types of starter cardsThe ideal starter card should have no annual fee and report your payment history to the three major credit bureaus: TransUnion, Equifax and Experian. These bureaus compile the credit reports that form the basis of your credit scores.Creditors review your credit scores to determine the likelihood that you’ll pay them back. A good FICO credit score of 690 or higher can make it easier to get an apartment, set up utilities and access better interest rates on credit cards or loans, for example.Starter card options may include:AUTHORIZED-USER CARDSCredit cards for authorized users are tied to a primary cardholder’s account. You are issued a card with your name on it, but the primary cardholder is responsible for making the payments. If that person uses his or her credit card wisely, it could reflect well on your own credit history, but double-check with your issuer.“It’s still recommended if you’re going to become an authorized user that you ask the lender if they actually report the account for you,” Griffin said. “If they don’t, it’s not going to help you build a credit history.”SECURED CARDSSecured credit cards are easier to qualify for because they require a cash deposit as collateral, reducing the risk to the issuer. The deposit amount usually determines your credit limit.With a good payment history, you eventually get your deposit back when you close the account or upgrade to a traditional “unsecured” credit card with the same issuer.STUDENT CREDIT CARDSStudent credit cards may require enrollment at a college or university. They also may require that you have at least some existing credit history. You can find exceptions, though.Some student cards may even pack helpful, student-friendly features like waived late payment fees or incentives. Rewards on student cards are uncommon, but some options exist.“I also considered applying for a secured card initially, until I found out there’s a Discover card,” Narasaki said. “It had cash back, which is unlike any of the other cards that I looked up, so I thought it was a pretty beneficial card and it had a lot of perks.”ALTERNATIVE-UNDERWRITING CARDSAlternative-underwriting credit cards have joined the market in recent years with some game-changing approaches. Most of these cards don’t charge a security deposit, and many can use factors other than the traditional FICO scoring model to assess your creditworthiness.If you don’t have a credit history, issuers of these cards may instead look at your employment, income, spending or savings to determine your ability to pay. As a result, they may require government-issued documents, bank account information, employment verification requirements and other details as part of the application process.In some cases, you may not even need a Social Security number to apply, which is helpful for newcomers to the U.S. who have limited options.Starter card alternativesEven with more starter card options on the market, the eligibility requirements may still leave some applicants out. But credit cards aren’t the only way to build a credit history. Some services make it possible to report certain bill payments to the credit bureaus to establish a credit file.For instance, rent-reporting services can record rent payments on credit reports for a fee. Experian Boost records cell phone and utility payments on Experian credit reports for free.You can also consider applying for a credit builder loan.More From NerdWalletIf Credit Card Relief’s a No-Go, Check Out Debt ManagementFor Homeowners, Saving a Down Payment Is Only the Start6 Great Recession Money Lessons That Still Apply TodayMelissa Lambarena is a writer at NerdWallet. Email: mlambarena@nerdwallet.com. Twitter: @LissaLambarena. 6346

SUTHERLAND SPRINGS, Texas (KGTV) -- At least 26 people are dead and dozens more injured after a shooting at a church in Texas Sunday morning, according to ABC News.KSAT identified the shooter as Devin Kelley of New Braunfels, Tex. He reportedly fled the scene and is dead after a brief pursuit. ABC News reported Kelley has no known ties to terrorism.The shooting took place at First Baptist Church in Sutherland Springs, which is located about 35 miles east of San Antonio, according to ABC affiliate KSAT.RELATED: Who is Devin Kelley, Texas church suspect?A witness reported seeing a man walk into the church around 11:30 a.m. and open fire.The victims ranged from 5 to 72 years old. Among them is 14-year-old Annabelle Renee Pomeroy according to her father, Frank Pomeroy, who is a pastor at the church.At least six helicopters were on scene to transport victims. Watch a Facebook Live from the scene by clicking play below:  956

TAMPA, Fla. – A Tampa boy received a big surprise from his hero for his third birthday.City of Tampa worker Leroy Lentz says each morning he goes out to collect waste, Marlon waits for him to greet him with excitement.The two have become good friends and for Leroy, their chats and waves never fail to brighten his day.To show appreciation for Marlon, Leroy and Tampa’s Management Department teamed up to bring a socially-distant party over to the little boy’s neighborhood. On Tuesday, the community held a birthday parade to celebrate Marlon, and Leroy was able to surprise the little boy with cake and a toy garbage truck.“The Department really appreciates those customers who take time to say hello and thank you. Recognizing the impact these essential workers have in our community is so appreciated,” Mayor Jane Castor’s office said in a statement. “We are thrilled to give Marlon a birthday to remember.”Below is the video of the festivities: This story originally reported by KJ Hiramoto on abcactionnews.com. 1029

Sunscreen does a good job of protecting our skin, but it may not be so good for marine life.Research studies have found that chemicals found in some popular sunscreen products are harmful to ocean ecosystems. And now, after state lawmakers passed a bill Tuesday, Hawaii is set to become the first state in the US to ban the sale of sunscreens that contain oxybenzone and octinoxate.The chemicals that help us by filtering UV rays are causing severe damage to Hawaii's marine environment, according to a study by Haereticus Environmental Laboratory, a nonprofit scientific organization. They show up in coastal waters after beachgoers swim in the ocean and via discharges from wastewater treatment plants.The study found that the chemicals seep into young coral and contribute to coral bleaching, which occurs when an increase in sea temperatures kills the algae that grows inside coral, turning reefs white and eliminating nutrients that sustain other marine life.About 14,000 tons of sunscreen enter the world's reefs every year, according to a 2015 paper published in the journal Archives of Environmental Contamination and Toxicology.Hawaii's legislation?prohibits the sale and distribution of any sunscreen that contains the two chemicals -- oxybenzone and octinoxate -- without a prescription from a licensed physician.WATCH: Discover how scientists and government officials are trying to rescue coral reefs"Hawaii is the first state in the nation to pass a measure of this magnitude. The world was watching. We delivered. Preserve and protect our ocean environment!" said state Sen. Will Espero on Twitter after the bill passed in his chamber.The bill now goes to the office of Hawaii Governor David Ige. If he signs it, the law would go into effect January 1, 2021.In an effort to protect Hawaii's reefs, Hawaiian Airlines last month began offering passengers free samples of natural sunscreens without those ingredients.The airline is also encouraging its passengers to learn more about Hawaii by showing a 11-minute documentary on each flight about the environmental challenges affecting reefs. 2131

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