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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

-- create a moment that raises their standing outside of the top four?The timing is important, too. Not only is the debate the second to last contest on the calendar before the Iowa caucuses, but the candidates will debate the day after the House of Representatives voted to 276

based on the agency's religious or moral beliefs. It was the first bill to be heard at the beginning of the 2020 legislative session on Tuesday.It passed in the senate with 20 votes for the bill and six against.The bill would prohibit private licensed child-placing agencies from being required to perform, assist, consent to, refer or participate in child placement for foster care or adoption that would violate the agency's written religious or moral convictions. The private adoption agencies can't be denied an application for a license by the Department of Children's Services or any state or local grant, contract or government program on the basis of its objection due to moral convictions."This bill simply protects children to be placed in homes that agree with their stated religious and moral convictions," Sen. Paul Rose (R-Tipton) said.The bill also says private adoption agencies will be protected from civil action for damages or civil relief due to its refusal to participate in a placement that violates its moral convictions.Critics of the bill say it targets LGBT families and will be seen as unfavorable to businesses and events that want to come to Nashville."They've specifically said that in the recent past — the last six months — a number of conventions have inquired about this bill and about similar bills," Sen. Steve Dickerson (R-Davidson County) said. He voted "no" on the bill. "They have articulated they will not book future events in our state that will effect Knoxville, Memphis, Chattanooga and, of course, Nashville, predominantly," he said.The vote came after a lengthy discussion that included Senate Speaker and Lt. Governor Randy McNally R-Oak Ridge) leaving his chair to debate the issue on the House floor.CEO of the Nashville LGBT Chamber of Commerce Joe Woolley called the bill unnecessary and disappointing. He said it wouldn't stop same-sex couples from adopting children, and he had concerns about the possible economic impact."This is just blatant discrimination," Woolley said. "It makes Tennessee look like a place that isn't welcoming for people to come raise a family and work."Woolley added the chamber would continue to help connect same-sex couples with agencies that will allow them to adopt children.David Fowler, the President of the conservative Family Action Council of Tennessee, was at the Tennessee State Capitol for the vote. He said he was surprised the bill passed and believes it will have a limited impact."I don't think the bill did as much as some Christian organizations thought it did," Fowler said. "It also didn't do as much as some opposed to the bill thought it did."Fowler said the Religious Freedom Protection Act already allows adoption agencies to turn down same-sex couples due to religious beliefs.House Bill 0836 passed in Tennessee's House of Representatives last April. The Senate bill now heads to the desk of Republican Governor Bill Lee for his signature. 2948

also reported a scam in North Carolina through Venmo, which cost a person 0.Experts do warn that you shouldn't operate the app without a multi-factor authentication, such as a thumbprint or a PIN code. Plus, while you're at it, get off of bluetooth."They can hack into the phone via the bluetooth portal and then through that portal, have access to any application that you have," Joseph Martinez, a professor of information security, said.Experts also suggest linking your account to a credit card instead of a debit card so you have more protection.The bottom line, avoid the auto login, and make sure to lock down your app so you don't waste your money. 661

buried under snow a mile away from their car, police say.Detectives say 74-year-old Richard Alexander, and his wife, 79-year-old Elizabeth Alexander, likely died of hypothermia.Neighbors Mike and Diane Haas found the couple Friday. They say they saw two figures as they left their house around 1 p.m.. As they approached, they hoped for the best.“He wondered if they were sleeping, so he got out and yelled at them and they didn’t respond,” Diane Haas said.“I said 'Sir, sir!' And of course they didn’t respond," Mike Haas said. "It came pretty obvious pretty quick, their skin color and other details that they were deceased. So we immediately called 911 and made sure not to touch anything."Detectives with the Yavapai County Sheriff’s Office said the Alexanders lived nearby. Their car got stuck last week in a storm that dumped 10 inches of snow on Ash Fork.“Eventually they decided to leave their vehicle,” Mike Haas said. “They were headed to our house we believe. But 100 yards short."The YCSO says a preliminary finding shows no evidence of foul play.For the Haases, it is emotional to think the couple was suffering so close, while they were celebrating Thanksgiving.“It’s sadness,” Mike Haas said. “You wish you could’ve helped. You could’ve saved a life perhaps. Maybe two lives.”According to the Haases, they found Richard Alexander laying on top of his wife, possibly trying to keep her warm.“It’s terrifying to think that she might’ve been alive under her husband,” Mike Haas said.The Haases say the tragedy is a reminder to always be prepared during extreme weather.“If they hadn’t left their car, I really believe somebody would’ve checked on them. People drove by them but everybody assumed this was somebody who got their car stuck, they called and got rescued. Nobody would’ve ever thought that they were out here struggling,” Diane Haas said.This story was originally published by Zach Crenshaw on 1920