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A low credit score doesn’t have to stand in your way if you want to get a personal loan to cover an emergency or consolidate your debts.Borrowers with bad credit, which is a FICO score below 630, may need to put in some extra work to qualify for a personal loan. But taking these steps can not only help you get approved, they could also get you a cheaper interest rate.Clean up your credit, shrink your debtBefore you apply for a personal loan, get a copy of your credit report to see what the lender will see on it, says Adrienne Ross, a Washington-based certified financial planner. You can get one free copy of your report from all three major credit bureaus at annualcreditreport.com.The details on your credit report can show you why your score is low and signal how to address the issues before a lender sees it.For example, a past-due account is likely a red flag to a lender, but you’ll have a better chance of qualifying if you can spot it and make the payment before you apply, Ross says.Lenders also consider the percentage of your monthly income that goes toward debt payments, called your debt-to-income ratio. You’ll need a DTI below 50% to qualify with most lenders, and lower is often better.If you don’t urgently need the loan, pay down debt before you apply, Ross says. Not only will lower outstanding balances reduce your DTI, they will also lower your credit utilization, which is the amount of your available credit you use and a main factor in your credit score calculation.Add a co-signer or collateralA quicker solution may be to choose a lender that allows you to add a co-signer. A willing friend or family member with good credit and strong income can help you get approved, says Thomas Rindahl, a CFP with TruWest Wealth Management Services in Arizona.Tread lightly with co-signed loans, he says, because the person you add to your application will be required to pay the loan if you can’t.Some lenders may also offer secured personal loans that require you to pledge something you own such as a vehicle or savings account, he says. Borrowers with fair or bad credit may have a better chance of qualifying and getting better rates with a secured loan, but the lender can seize the collateral if you don’t make your payments.Make a repayment planChoose a lender that reports your loan payments to the credit bureaus, as this can help you build credit, Ross says. This means the next time you borrow money or apply for a credit card, you could get a lower rate.But because lenders report both on-time and missed payments, your ability to make them will determine if your credit improves or worsens.Be prepared to ask questions about rates, terms and extra fees so you understand exactly what you’ll owe each month and when you’ll owe it, Ross says. Knowing that will help you make a plan to manage your payments.Even with a solid payment plan, you could end up late on one or two payments along the way. Since lenders don’t immediately report late payments to the credit bureaus, Ross says, make the payment as quickly as possible to avoid the hit to your credit.Compare lendersComparing offers from online lenders, banks and credit unions can help you find the best rate and features for your situation.Some online lenders offer personal loans specifically for borrowers with low credit scores. Look for reputable lenders that cap their annual percentage rates at 36%, which consumer advocates and financial experts say is the highest rate an affordable loan can have.Bad-credit borrowers will likely qualify for rates close to a reputable lender’s rate cap, but nowhere near the 300% or higher APRs that payday lenders offer.Online lenders may also let you pre-qualify with a soft credit check, allowing you to see what rate and loan amount you could get without hurting your credit score. Many banks and credit unions require borrowers to formally apply to see their offer, triggering a hard check that can cause a temporary dip in your score. Some online lenders can also fund a loan the same or next day, while a bank could take a week or more.On the other hand, your community bank or credit union may be more willing to consider the circumstances if a recent misunderstanding or years-old issue is keeping your credit score down, Rindahl says.“An online lender might have competitive rates, and it might be easy because you can do your application at home, but if you don’t fit their algorithm, you don’t fit their algorithm,” he says. “Your local institution, whether it’s a credit union or bank, is much more likely to look at the person as a whole,” he says.More From NerdWallet4 Steps to Pre-Qualify for a Personal LoanBoost Your Chances of Getting Your Personal Loan ApprovedHow to Get a Personal Loan in a COVID-19 EconomyAnnie Millerbernd is a writer at NerdWallet. Email: amillerbernd@nerdwallet.com. 4850

A federal judge ruled that Detroit police officers cannot use batons, shields, gas or bullets against protesters for at least the next two weeks.U.S. District Court Judge Laurie Michelson issued a ruling Friday night partially granting a temporary restraining order in the lawsuit filed by activist group Detroit Will Breathe against the City of Detroit and Detroit Police Department.In the order, Michelson ruled that the city cannot use "striking weapons, chemical agents, or rubber bullets" against the protesters who do not pose a physical threat to the safety of the public or the police. Officers also cannot use chokeholds against the protesters."The Court recognizes that police officers are often faced with dangerous and rapidly evolving situations while trying to enforce the law and maintain the safety of the public. And it is important that police officers have non-lethal options to use to protect themselves and the public when necessary," Michelson wrote. "And any possible benefit police officers could gain from deploying chemical agents, projectiles, or striking weapons against demonstrators who pose no threat and are not resisting lawful commands is outweighed by the irreparable harm peaceful protestors would face."Michelson ruled in part that police officers using excessive force does violate the protesters First and Fourth Amendment rights.Citing different videos as evidence, Michelson wrote it "establishes that at least some Plaintiffs have a likelihood of success on their claims that the DPD used excessive force against them."This article was written by WXYZ. 1602

A couple arrested in Mexico while pushing a baby stroller filled with human body parts may have killed up to 20 women, according to the chief investigator on the case.The man and woman were detained Thursday in the Mexico City suburb of Ecatepec on suspicion of murdering 10 female victims. However, the male suspect has since claimed that they are responsible for twice as many deaths.Police arrested the pair, identified only as "Juan Carlos N." and his wife "Patricia "N.," during an investigation into the disappearance of three women and a two-month-old baby. The man gave detailed accounts of the original 10 deaths. He also told police that he and his wife had killed a further 10 people, according to State of Mexico Prosecutor Alejandro Gomez and reported by AFP.Police found eight plastic buckets full of dismembered body parts and cement in the couple's house, Gomez revealed in a Facebook post on Sunday. More remains were found in a refrigerator, wrapped in plastic bags. Tests are now being carried out on the grisly evidence. 1048

A comedian pretending to be Sen. Bob Menendez for a bit says he got through to the President, who called him back from Air Force One."I am shocked ... I mean we did this as a goof, I'm a comedian," said John Melendez, better known as Stuttering John. "I just could not believe that it took us an hour and a half to get Jared Kushner and Donald Trump on the phone from Air Force One."At the start of the purported call, the voice that sounds like Trump congratulates who he thought was Menendez on his acquittal in a federal corruption case, saying, "You went through a tough, tough situation, and I don't think a very fair situation. But congratulations."The two also discuss the upcoming Supreme Court vacancy, according to the audio on the podcast. The voice that sounds like Trump promises the fake Menendez he'll nominate a new justice in "10 to 14 days.""All they had to ask me is what party affiliation is Sen. Menendez, or what state is he a senator of, and I would not have known. But they didn't ask me any of this," Melendez told CNN.Melendez told CNN that they initially called the White House and were honest about their identity, but the White House said Trump was busy and hung up.So they called again, but this time as "Shawn Moore," a fake assistant to Menendez."I changed my voice to an English accent. I do the worst English accent in the history of English accents. So I said, 'Yeah, this is Shawn Moore, Sen. Menendez's assistant, and we'd like to talk to the President.' They said they'd call me back, and then they called back on cellphone," Melendez recalled.According to audio that aired on Melendez's podcast, Trump called while flying on Air Force One on his way back from his rally in Fargo, North Dakota, on Wednesday night."Donald picks up the phone and I started talking to the President. I never said to Donald that I was Sen. Menendez. I was just talking in my Long Island accent. The thing is, you hear my bad Long Island accent and a voice that Donald has talked to so many times," Melendez said."The President wants to be accessible to members and likes engaging them and wants them to have the opportunity to connect. The downside of that is sometimes the channels are open too widely and mistakes like this happen," a White House official said about the incident.A source said someone in the White House Legislative Affairs Office reached out to Menendez's office Thursday morning about the phone call. The source said the New Jersey Democrat's staffers were very confused and didn't know what it was about. They haven't talked to the White House since the recording came out.Another White House aide also acknowledged the call happened. This aide said White House legislative director Marc Short apparently shot down the call initially. But the aide said senior adviser Jared Kushner "patched the call through anyways.""As someone who has spent my entire career trying to convince Republicans to join me in reforming our nation's broken immigration system, I welcome any opportunity to have a real conversation with the President on how to uphold the American values that have guided our family-based immigration policy for the past century. Tearing children apart from their mothers is not part of our proud history. Thus far, this White House has only sabotaged every good-faith effort to find bipartisan common ground on immigration," Menendez said in a statement. 3413

A Charlotte County, Florida mom was arrested Wednesday morning after she accidentally ran into her son in the drop-off area of the Port Charlotte High School parking lot.According to the Charlotte County Sheriff's Office, 49-year-old Nadine Williams has a suspended license and gave false identification at the scene.  Williams' son was taken to the hospital with minor injuries.Deputies said they found Williams had a suspension for unpaid traffic fines and a failure to maintain insurance. They also said they found a citation for driving without a license just days before the incident Wednesday morning. When deputies asked her about the suspension, they said she told them she knew she was suspended, but she had to drive because it wasn't "like I'm murdering or raping."  815

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