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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

announced it was suspending operations and delaying the start of its season amid the coronavirus pandemic, Little League baseball announced it was following suit.Little League, the organization that oversees more than 6,500 baseball and softball programs around the world 274

— a climate think tank based in Melbourne, Australia — says that human civilization is at risk of collapsing by 2050 due to climate change. The report has been endorsed by a former Australian defense chief and senior royal navy commander.The analysis says 257

— and the group expects that gas prices will continue to drop in the coming weeks.According to a press release, AAA projects that the national average for gas prices could fall to .75 a gallon at some point in April.It's the first time since 2016 that the average price or a gallon of gas dipped below .As of Tuesday, Oklahoma had the cheapest gas prices in the country, with an average of .55 a gallon. The only states where the average has price was above .75 a gallon are Hawaii (.36) and California (.05).The COVID-19 pandemic has devastated the demand for oil, as prices of crude oil have plummeted to a barrel — the lowest prices for oil since 2002. More people self-quarantining means fewer people using gasoline to travel, whether by car or plane. The economic downturn is also slowing the amount of cargo on the road and in the air."AAA expects gas prices to keep dropping as cheap crude combines with the realities of people staying home and less demand for gas," AAA spokesperson Jeanette Casselano said.Earlier this month, a gas station in Kentucky made national headlines when it sold gas for less than a gallon. The station quickly ran out of its supply of gasoline. 1201

RELATED: Ridgecrest's earthquakes didn't happen along the San Andres faultThe chance of a magnitude 5 or higher quake is 96%, with as many as 144

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