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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 Cirque du Soleil performer who fell Saturday night during a performance in Tampa has died, a Tampa General Hospital spokeswoman said. The acrobat who died has been identified as Yann Arnaud, according to a statement released by Cirque de Soleil's Volta."It is with immense sadness that Cirque du Soleil Entertainment Group reports that a tragic accident occurred last night, March 17, during a performance of its show VOLTA, in Tampa, Florida," the statement began. Arnaud, a longtime aerialist, was performing "the aerial straps number" when he fell onto the stage, according to the Cirque du Soleil statement. First responders moved in quickly to administer medical aid. Arnaud was taken to Tampa General Hospital, where he later died of his injuries. "The entire Cirque du Soleil family is in shock and devastated by this tragedy. Yann had been with us for over 15 years and was loved by all who had the chance to know him. Over the coming days and weeks, our focus will be on supporting Yann's family and our employees, especially the VOLTA team, as we go through these difficult times together," said Daniel Lamarre, President and CEO of Cirque du Soleil Entertainment Group.Cirque du Soleil officials are gathering more information the event, the statement said. "We are offering our full and transparent collaboration to the authorities as they look into the circumstances of this accident," the statement added.The last 2 shows of Volta scheduled for Sunday were canceled. All purchases through Cirque du Soleil website or call center will be automatically refunded on the credit card used for the original purchase. For tickets purchased through one of its partners, customers should contact the original point of sale for a refund. For customer's service inquiries, visit www.cirquedusoleil.com/volta or call 1-877-924-7783.Witnesses said that a ribbon dancer who had swung out over the audience slipped as he was swinging back and fell to the stage.  He was unresponsive when medical personnel rushed to attend to him. 2099

A Lexington man is accused of using other people's identities to buy luxury cars and lease apartments in Kentucky and Florida.39-year-old Kenneth Mobley was apprehended earlier this month as part of investigations by Lexington Police and the Kentucky State Police-Vehicle Investigations Unit. 300

A federal judge on Thursday erupted at the Trump administration when he learned that two asylum seekers fighting deportation were at that moment being deported and on a plane to El Salvador.DC District Judge Emmet Sullivan then blocked the administration from deporting the two plaintiffs while they are fighting for their right to stay in the US -- reportedly excoriating the administration and threatening to hold Attorney General Jeff Sessions in contempt.The government raced to comply with the court's order, and by Thursday evening the immigrants had arrived back in Texas after being turned around on the ground in El Salvador.Sullivan agreed with the American Civil Liberties Union that the immigrants they are representing in a federal lawsuit should not be deported while their cases are pending.The emergency hearing in the case turned dramatic when attorneys discovered partway through the hearing that two of their clients were on a plane to El Salvador.During court, Sullivan was incensed at the report that one of the plaintiffs was in the process of being deported, according to the ACLU and The Washington Post. Sullivan demanded to know why he shouldn't hold Sessions in contempt, according to the Post and the recollection of lead ACLU attorney Jennifer Chang Newell.Chang Newell said the administration had pledged Wednesday that no one in the case would be deported until at least midnight at the end of Thursday. But during a recess in the proceedings Thursday, she got an email from attorneys on the ground in Texas that her client, known by the pseudonym Carmen, and Carmen's daughter had been taken from their detention center that morning and deported. After investigating during recess, she informed government attorneys and Sullivan what had happened."He said something like, 'I'm going to issue an order to show cause why I shouldn't hold the government in contempt, I'm going to start with the attorney general,' " Chang Newell said, explaining that Sullivan was suggesting he would issue an order that would require the government to explain why they didn't deserve to be held in contempt. Such an order has yet to be issued by the court.He ordered the plane turned around or the clients brought back immediately, the ACLU said."This is pretty outrageous," Sullivan said, according to the Post. "That someone seeking justice in US court is spirited away while her attorneys are arguing for justice for her?""I'm not happy about this at all," he continued, adding it was "not acceptable."The lawsuit was brought by immigrants only referred to by their pseudonyms in court: Grace, Mina, Gina, Mona, Maria, Carmen and her daughter J.A.C.F. and Gio.After the hearing, Sullivan issued an emergency order halting the deportation of any of the immigrants as he considers whether he has broader authority in the case.Sullivan also ordered that if the two being deported were not returned, Sessions, Homeland Security Secretary Kirstjen Nielsen, Citizenship and Immigration Services Director Lee Francis Cissna and Executive Office for Immigration Review Director James McHenry would have to appear in court and say why they should not be held in contempt.The lawsuit brought by the ACLU is challenging a recent decision by Sessions to make it nearly impossible for victims of domestic violence and gangs to qualify for asylum in the US. That decision was followed by implementation guidance from the Department of Homeland Security that almost immediately began turning away potentially thousands of asylum seekers at the southern border.According to their lawsuit, Carmen and her young daughter came to the US from El Salvador after "two decades of horrific sexual abuse by her husband and death threats from a violent gang." Even after Carmen moved away from her husband, he raped her, stalked her and threatened to kill her, the lawsuit states. Further, a gang held her at gunpoint in May and demanded she pay a monthly "tax" or they would kill her and her daughter. Carmen knew of people killed by their husbands after going to police and by this gang and thus fled to the US.But at the border, the government determined after interviewing her that she did not meet the "credible fear" threshold required to pursue an asylum claim in the US, and an immigration judge upheld that decision.The ACLU is using Carmen's story and the similar experiences of the other immigrants to challenge Sessions' ruling on asylum. 4473

A gunman armed with a .38 revolver and a shotgun walked into Santa Fe High School in Texas on Friday and killed 10 people, according to authorities.Two days later, Texas Gov. Greg Abbott is still touting a shotgun giveaway on his website.The entry period for the drawing began on May 1 -- before the shooting in Santa Fe -- and ends on May 31.Participants in the giveaway enter with a chance to win a 0 certificate that can be redeemed at a licensed gun dealer in Central Texas. Entrants must be Texas residents, per the governor's campaign website, and at least 18 years old. They must also be legally allowed to buy a pump-action shotgun.Abbott's office did not immediately respond to a request for comment about the shotgun giveaway.Abbott's campaign has also advertised the giveaway on other campaign materials.Vikki Goodwin, a candidate for the State House District 47 in west Travis County, was door-to-door campaigning on Saturday afternoon when she came across a door hanger advertising the giveaway."I was just astounded that he was giving away a shotgun," Goodwin told CNN. "The timing of it just seemed really bad."Goodwin notes she only saw the door hanger on one house and didn't know how long it had been there. "I thought, 'Surely they didn't just put this on the door and say they're giving away a shotgun right after 10 people have died as a result of another school shooting,'" she said.The Austin chapter of March for Our Lives -- the gun control initiative started by students in Parkland, Florida, after their own school shooting -- blasted the governor on Twitter for the giveaway. The group demanded he take the page on his website down."To put it bluntly, we find this a disgusting display of disregard of the toll gun violence takes and an absolute failure to respect your constituents in the wake of the #SantaFe shootings," the chapter said on Twitter."Having a raffle of a shotgun, considering that shotgun is what was used just two days ago to kill 10 of my peers, I frankly think that's disgusting what Gov. Abbott is doing,"Jack Kappelman, a high school senior and an organizer for Austin March for Our Lives, told CNN.The giveaway made Abbott's recent call for a roundtable discussion to curb gun violence illegitimate, said Kappelman.Dimitrios Pagourtzis, the suspected 17-year-old shooter, is currently being held on charges of capital murder and aggravated assault of a public servant.According to a probable cause affidavit signed by the Galveston County Sheriff's Office, Pagourtzis told officers he used a Remington 870 shotgun and a .38-caliber pistol in the shooting.Abbott told reporters on Friday the weapons were legally owned by Pagourtzis' father. His family released a statement on Saturday, saying they were "as shocked and confused as anyone else by these events that occurred.""We share the public's hunger for answers as to why this happened, and will await the outcome of the investigation before speaking about these events," the statement said.It's not the first time Abbott has held a giveaway for a shotgun. According to MySanAntonio.com, Abbott also hosted a raffle in October 2015 during his first year as governor. 3208

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