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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

after shooting and killing his wife because she'd had dementia, according to the Venice Police Department.Wayne Juhlin shot and killed his 80-year-old wife in their Monday night, according to police.Juhlin told police that "he intended on turning the gun on himself and taking his own life after killing his wife, but the gun malfunctioned."After the gun prevented him from carrying out his suicide, Juhlin eventually called 911 to reported that his wife was dead.Juhlin was arrested and charged with first-degree premeditated murder. He is currently at the Sarasota County Jail.This story was originally published by 620

Would the NFL push pause on the season or reconsider bubbles? We asked Dr. Allen Sills. pic.twitter.com/B6KsoTi5yT— Judy Battista (@judybattista) October 7, 2020 169

Political Analyst John Dadian said this trip isn't just for the President, "we assume that he's going to run for President in 2024 so all of these contacts he's making throughout the country, even here in California are going to help him in his personal future."On Friday, Pence plans to visit the Donna 306

YOSEMITE NATIONAL PARK – A hiker died after falling from Half Dome at Yosemite National Park Monday, according to KABC.The hiker fell from the Half Done cables while hiking with another person during a thunderstorm around 4:30 p.m. Monday.The National Park Service says the death is the first fatality at that particular spot since 2010. It’s also the first time a visitor died this year.The identity of the hiker hasn’t been released and no further details are being made available at this time. 514