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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 family celebrating a birthday in the Wisconsin Dells ended up with bed bug bites for souvenirs.When Aisha Carr and the group of young girls checked into the resort they had big expectations. They wanted to have some fun, but they also wanted some clean comforters and not to be eaten alive by bedbugs.They woke up to the bites Saturday morning at the Baker’s Sunset Bay Resort."I started feeling around and I just so happened to scratch my arm and I felt like lines of bites," Carr said.Photos show Carr and some of the girls swelling up everywhere, covered in ugly red bedbug bites. The front desk was then immediately called."Our trip was pretty much ruined from that point,” Carr said, “It's just disheartening and upsetting. It was very humiliating."Scripps station WTMJ in Milwaukee reached out to the resort and an employee confirmed the bedbug case over the phone, saying Carr was provided compensation for her stay.She said they have an extremely clean resort, but with people coming and going all the time they believe someone brought them in.Carr said after going there for the past 12 years that may have been her last trip."Just all around a bad experience," she said. "It's no excuse for it, it's a zero tolerance."The employee at the resort added that a professional pest control company came to the resort Monday to treat the room. Carr said she has been using over the county allergy medicine to treat the bites.The creepy crawlers can be hard to spot and it's best to find the problem early. The EPA has some tips on what to look for. First, look for rusty or red-colored stains on bed sheets or mattresses. Secondly, the bugs also like to hide in seams of furniture and appliances so check there.WTMJ also reached out to the Sauk County Health Department and they said there have been no complaints relating to this resort since 2009.  1898

A federal appeals court on Friday overturned the death sentence of Dzhokhar Tsarnaev in the 2013 Boston Marathon bombing. The three-judge panel of the 1st U.S. Circuit Court of Appeals in Boston issued the decision more than six months after arguments were heard in the case. Tsarnaev’s lawyers had argued that intense media coverage had made it impossible to have a fair trial in Boston. The April 15, 2013, attack killed three people and injured more than 260 others. Tsarnaev was convicted on 30 charges, including conspiracy and use of a weapon of mass destruction. 577

A former California police officer has been identified as the so-called Golden State Killer believed to have committed 12 killings and at least 50 rapes across California in the 1970s and 1980s, authorities said Wednesday.Joseph James DeAngelo, 72, was arrested after investigators matched a discarded DNA sample from his home to evidence collected at some of the crimes, according to law enforcement officials at a news conference outside the crime lab where the key break in the case was uncovered."We all knew that we were looking for a needle in a haystack," Sacramento District Attorney Anne Marie Schubert said."It is fitting that today is National DNA Day. We found the needle in the haystack and it was right here in Sacramento."DeAngelo was arrested without incident this week in connection with a crime spree that spanned a decade and at least 10 counties throughout California, officials said. His name emerged in connection with the crimes last week."When he came out of his residence, we had a team in place that was able to take him into custody. He was very surprised by that," Sacramento County Sheriff Scott Jones said.DeAngelo, who faces capital murder charges, is being held without bail in Sacramento."All too often we forget to talk about the victims and today we at least brought the first step towards closure for those victims of these horrendous crimes," Jones said.The suspect is a former Auburn, California, police officer who was fired in 1979 for shoplifting a can of dog repellent and a hammer from a drugstore, according to Jones. He worked as a police officer in Exeter and Auburn between 1973 and 1979."Very possibly he was committing these crimes during the time he was employed as a peace officer and obviously we'll be looking into weather it was actually on the job," Jones said.Exeter Police Chief John Hall said, "It is absolutely shocking that someone can commit such heinous crimes, and finding out someone in a position of trust could betray that is absolutely unbelievable."The Auburn Police Department said it will "do everything within its power to support this investigation and any prosecution that follows.""We will pull out all the stops for our Sacramento-area law enforcement partners in this horrific and historic case."From 1976 to 1986, DeAngelo's alleged crimes sowed fear across the state, where the suspect was also known as the "East Area Rapist" and "the Original Night Stalker."Kevin Tapia, who has lived near Deangelo for 20 years, said the suspect was often heard yelling in his home but, in recent years, had become a recluse."He's not like an overly creepy person, but he definitely, you know, kept to himself and kind of was ... a little different," Tapia told HLN. "It was definitely some concern."Jane Carson-Sandler told HLN on Wednesday that she used to live in Citrus Heights -- where DeAngelo was arrested and resided -- when a man broke into her home and raped her while she and her 3-year-old son were tied."When I think back about all of the lives that he destroyed and all of the folks that he has affected over all of these years, I can't help to get angry," she said. "I want to punch him."Carson-Sandler became the first recorded rape victim on June 18, 1976. In an HLN documentary on the case, she said she was dozing in bed with her son after her husband left for work. Then, she was abruptly awoken.A masked man stood in the bedroom doorway, holding a large butcher knife and shining a flashlight at her face.He bound her and her son with shoelaces and blindfolded and gagged them with torn sheets. After moving her son off the bed, he unbound Jane's ankles."And then I knew what he was there for," she said in the HLN documentary, in which she didn't share her last name.That first rape sparked the hunt for the man who authorities say went on to commit rapes and killings in California over the next decade.It's been more than 40 years since his first recorded attacks, which began in and around Sacramento in Northern California. No suspects were caught or even identified in the case. Police only had minor details about his looks, along with a sketch from an almost-victim.In recent years, there was renewed interest in the case. This year, a book and a series from HLN were released, hoping to shed more light on the case.When the Sacramento-area rapes were first being reported, it was always by women who were alone or with their children. But by 1977, a year after Jane's attack, the list of victims had expanded to couples in their homes.Police believe the East Area Rapist killed Brian and Katie Maggiore after the couple -- who were walking their dog at the time -- spotted him before he broke into a home in Rancho Cordova, California, just outside Sacramento, in February 1978. Those were his first known homicides."We thought he would never stop, but then two months after the Maggiore homicides, the East Area Rapist left our jurisdiction. It was like he disappeared in thin air," said Carol Daly, a retired detective from the Sacramento County Sheriff's Department.That's when a serial attacker began terrorizing Santa Barbara County, California -- more than 300 miles south of Sacramento. Police didn't realize it at the time, but the attacker's crimes fit the same pattern as Sacramento's East Area Rapist. He attacked women and couples across Southern California from December 1979 to May 1986, and became known there as the Original Night Stalker."These cases are some of the most horrific I've had to investigate," said Erika Hutchcraft, an investigator for the Orange County District Attorney's Office. "They're not a one-time, you know, crime of passion, but these are almost passionless crimes. Very cold, very violent."Even with such distance between Sacramento and Southern California, detectives in the north who heard about the Original Night Stalker believed he was the same perpetrator as the East Area Rapist."Over the years, we heard of homicides down in Southern California, and we thought it was the East Area Rapist," said Larry Crompton, retired detective for Contra Costa County Sheriff's Department. "But he would not leave fingerprints, so we could not prove, other than his M.O., that he was the same person. We did not know anything about DNA."Once DNA tests were available to investigators, they were able to confirm the same man committed three of the attacks that had previously been blamed on the so-called East Area Rapist, according to Paul Holes, who investigated the case for the Contra Costa County District Attorney's Office."That's when I reached out to Orange County" in Southern California, he says, "just to see, you know, if the East Area Rapist DNA was a match with the Original Night Stalker."In 2001, DNA evidence determined the East Area Rapist was the same offender as the Original Night Stalker.In 2016 -- 40 years after his first attack -- the FBI offered a ,000 reward for any information that could lead to his arrest and conviction."The sheriff's department never gave up on this investigation," Detective Paul Belli of the Sacramento County Sheriff's Department said at the time. "This person ruined a great number of lives, and he should be held accountable." 7255

A California teacher was arrested Wednesday after a video posted to Reddit shows her cutting students' hair while singing the "Star-Spangled Banner."Margaret Gieszinger, 52, was arrested and changed with abandonment and neglect of children.According to NBC News, Gieszinger is a teacher at University Preparatory High School in Visalia, California. The video shows Gieszinger in a classroom, cutting chunks of hair from a male students' head and throwing it behind her as she sings the national anthem.After cutting the boys' hair, she threatens to cut other students' hair.The College of the Sequoias Chief of Police confirmed to NBC News that the video was the reason for the arrest.Gieszinger is currently being held in the Bob Wiley Detention Center in Tulare County, California on 0,000 bond. She has a court appearance scheduled for Friday.  898