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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 busy sunscreen aisle can leave parents confused about which lotions, sticks or sprays to buy for their kids.Complicating matters are varying recommendations for the average consumer: The US Food and Drug Administration recommends buying products labeled with at least SPF 15, and the American Academy of Dermatology puts the bar at SPF 30.Several consumer guides provide product rankings using their own criteria, including Consumer Reports and the Environmental Working Group, whose guide to roughly 650 products was released Tuesday."Sunburn during early life, especially childhood, is very dangerous for all skin cancers but especially malignant melanoma," said Dr. Eleni Linos, an associate professor of dermatology at the University of California, San Francisco.These sunburns "are actually much more dangerous than sunburns later on," she added. "That's why we need to really protect our kids."  916

A Clarksville teacher was charged with assault after an incident with a student during a field trip to Nashville was reported to police.According to an affidavit from Metro Nashville Police, Robert Neitzke – a teacher at Clarksville Academy – was arrested after he allegedly grabbed a student by his throat and pushed him against a wall.The alleged incident happened on March 3 while a group of students were staying at the Renaissance Hotel in Nashville. The police report said that Neitzke was the only adult on the trip.Around 11 p.m., Neitzke was reportedly trying to give students instructions for the next day and had to stop several times to get their attention. That’s when one of the students asked, “can we hurry this up,” and Neitzke allegedly approached the student and started to grab him. Police said Neitzke then said “it would be funny if your head hit the wall” before backing up and then grabbing the student by the neck before pushing him against the wall.The student told officers that he was able to say "get off me" and push him back. He told police that while he had no visible injuries, the squeezing of his neck caused “some discomfort.”Several other students were interviewed and all gave a very similar account of the incident, according to the report. Neitzke was placed on administrative leave and has since resigned. Clarksville Academy released the following statement, in-part:  1448

A local teen helping other teens is the latest recipient of the 10News Leadership Award.Chloe Gubbay thought she was being interviewed for a news segment on teen volunteers. Chloe started the Teen Giving Club at her school and has even helped other schools start similar volunteer clubs. 300

A California judge halted Stormy Daniels' lawsuit against Michael Cohen for 90 days while the criminal investigation of President Donald Trump's personal attorney moves forward in New York.Cohen had asked to halt the lawsuit because he would assert his Fifth Amendment right not to incriminate himself while the criminal investigation continues. He said he wouldn't be able to fully respond to questions that arose in Daniels' lawsuit.In short, the lawsuit put Cohen in the hot seat at the same time he's fending off the criminal probe.Because Cohen was the "alleged mastermind" behind a hush agreement and settlement payment with Daniels over her alleged affair with Trump, Judge James Otero wrote, he would have to choose whether he would take the Fifth or defend himself on "every major aspect" of the details in the case.Otero further said he believes Cohen could be indicted. 888

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