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TALLAHASSEE, Fla. — Attorneys for a former state health employee whose home was raided earlier this month have filed a lawsuit against the Florida Department of Law Enforcement, saying the Dec. 7 execution of a search warrant "was a sham to punish" her for not altering COVID-19 data.The 19-page lawsuit, filed Sunday in Leon County court, is seeking damages and a jury trial on behalf of Rebekah Jones."They entered her home with guns drawn, terrorizing her family," attorneys for Jones said in the lawsuit against the FDLE and Commissioner Rick Swearingen.The lawsuit alleges that Jones' "termination from the Florida Department of Health after refusing to falsify data generated a great deal of media coverage, much to the dismay of the state."In the hours after the raid, Jones posted a 31-second video clip on her Twitter account that showed her opening the door as agents made their way inside with their guns drawn. Jones claimed that they pointed a gun at her and her children. 993
Starter credit cards, aimed at those who are new to credit, have been around since at least the 1970s — and they used to be much easier to qualify for.Card issuers once were able to lure young adults, particularly students, with a variety of incentives that federal regulations now prohibit under the Credit Card Act of 2009.“When you started college prior to the Card Act, you could get a Frisbee and a credit card at the same time, or a chance to win a computer and a credit card,” said Rod Griffin, senior director of public education and advocacy at Experian, a credit reporting agency.Credit card eligibility requirements are stiffer now, especially amid the COVID-19-related downturn, as banks tighten lending standards to mitigate risk. It all adds up to more obstacles for those seeking to start the clock on their credit history. About 20% of the U.S. adult population doesn’t have a scorable credit file with the three major credit bureaus, according to a report by the Consumer Financial Protection Bureau.Still, qualifying for a starter card is not impossible, and more options exist today.Eligibility for starter credit cardsThe same CFPB report also notes that credit cards are the most common way to establish a credit file for all income levels and age groups.But age matters in terms of your eligibility for a starter card.IF YOU’RE UNDER 21Applicants generally have to be 18 to apply for a credit card on their own. Applicants under 21 can only report independent personal income, including regular allowances. If you’re a student, you may also report scholarships and grants.“I got the Discover student credit card on the first try,” said Karumi Narasaki, a 20-year-old student based in Indiana and creator of the YouTube channel Rumi’s Life. When she applied for the card, she says she included part-time income from two jobs and school aid received to cover books, rent and food.IF YOU’RE OVER 21Once you turn 21, income restrictions loosen slightly. You can include any income to which you have reasonable access, such as the income of a partner or a spouse, for instance. Income is still a necessary requirement to demonstrate your ability to make payments on borrowed amounts. Other requirements may also exist, depending on the card.If you can’t meet the income requirement at any age, a co-signer could help you build credit with a credit card. You’ll get your own credit card and account, but the co-signer assumes responsibility for the bill if you can’t pay it. Not many issuers allow co-signers on credit card applications these days, but there are still some that do.Types of starter cardsThe ideal starter card should have no annual fee and report your payment history to the three major credit bureaus: TransUnion, Equifax and Experian. These bureaus compile the credit reports that form the basis of your credit scores.Creditors review your credit scores to determine the likelihood that you’ll pay them back. A good FICO credit score of 690 or higher can make it easier to get an apartment, set up utilities and access better interest rates on credit cards or loans, for example.Starter card options may include:AUTHORIZED-USER CARDSCredit cards for authorized users are tied to a primary cardholder’s account. You are issued a card with your name on it, but the primary cardholder is responsible for making the payments. If that person uses his or her credit card wisely, it could reflect well on your own credit history, but double-check with your issuer.“It’s still recommended if you’re going to become an authorized user that you ask the lender if they actually report the account for you,” Griffin said. “If they don’t, it’s not going to help you build a credit history.”SECURED CARDSSecured credit cards are easier to qualify for because they require a cash deposit as collateral, reducing the risk to the issuer. The deposit amount usually determines your credit limit.With a good payment history, you eventually get your deposit back when you close the account or upgrade to a traditional “unsecured” credit card with the same issuer.STUDENT CREDIT CARDSStudent credit cards may require enrollment at a college or university. They also may require that you have at least some existing credit history. You can find exceptions, though.Some student cards may even pack helpful, student-friendly features like waived late payment fees or incentives. Rewards on student cards are uncommon, but some options exist.“I also considered applying for a secured card initially, until I found out there’s a Discover card,” Narasaki said. “It had cash back, which is unlike any of the other cards that I looked up, so I thought it was a pretty beneficial card and it had a lot of perks.”ALTERNATIVE-UNDERWRITING CARDSAlternative-underwriting credit cards have joined the market in recent years with some game-changing approaches. Most of these cards don’t charge a security deposit, and many can use factors other than the traditional FICO scoring model to assess your creditworthiness.If you don’t have a credit history, issuers of these cards may instead look at your employment, income, spending or savings to determine your ability to pay. As a result, they may require government-issued documents, bank account information, employment verification requirements and other details as part of the application process.In some cases, you may not even need a Social Security number to apply, which is helpful for newcomers to the U.S. who have limited options.Starter card alternativesEven with more starter card options on the market, the eligibility requirements may still leave some applicants out. But credit cards aren’t the only way to build a credit history. Some services make it possible to report certain bill payments to the credit bureaus to establish a credit file.For instance, rent-reporting services can record rent payments on credit reports for a fee. Experian Boost records cell phone and utility payments on Experian credit reports for free.You can also consider applying for a credit builder loan.More From NerdWalletIf Credit Card Relief’s a No-Go, Check Out Debt ManagementFor Homeowners, Saving a Down Payment Is Only the Start6 Great Recession Money Lessons That Still Apply TodayMelissa Lambarena is a writer at NerdWallet. Email: mlambarena@nerdwallet.com. Twitter: @LissaLambarena. 6346
Survivors of alleged sexual abuse at the hands of priests nationwide are set to announce a federal class-action lawsuit aimed at the United States Conference of Catholic Bishops.In the lawsuit, the group and their attorneys say the Conference "knowingly concealed" the identities and actions of known abusers. So they're calling for the bishops to release the names and files of every known accused priest in the country.They're due to make the announcement at 1:00 Wednesday afternoon in Baltimore, where those bishops are for the final day of their annual meeting. 574
TAYLOR, Mich. (AP) — When it comes to the middle finger, police might need a thicker skin.A federal appeals court says a Michigan woman's constitutional rights were violated when she was handed a speeding ticket after giving the finger to a suburban Detroit officer in 2017. The decision means a lawsuit by Debra Cruise-Gulyas can proceed.In a 3-0 decision Wednesday, the court said Taylor Officer Matthew Minard "should have known better," even if the driver was rude.Minard stopped Cruise-Gulyas and wrote her a ticket for a lesser violation. But when that stop was over, Cruise-Gulyas raised her middle finger.Minard pulled her over again and changed the ticket to a more serious speeding offense.Cruise-Gulyas sued, saying her free-speech rights and her rights against unreasonable seizure were violated. 816
Talk about the ultimate "Fixer Upper."It was revealed Tuesday morning that HGTV is the new owner of 11222 Dilling St. in North Hollywood, California, also known as the iconic house used for the exterior shots of the beloved 1970s series "The Brady Bunch."David Zaslav, chief executive officer of HGTV's parent company Discovery, made the announcement during the company's second-quarter earnings call, a spokeswoman told CNN."One example of our new project for HGTV will speak to those 'Brady Bunch' fans on the call. ... You may have heard that the house from the iconic series was recently on the market in California," Zaslav said. "I'm excited to share that HGTV is the winning bidder and we'll restore the home to its 1970s glory as only HGTV can. More detail to come over the next few months, but we'll bring all the resources to bear to tell safe, fun stories with this beloved piece of American TV history." 923