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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 consumer advocacy group is warning parents of what it calls "dangerously high" levels of a chemical called boron in popular slime toys marketed to children -- although an expert disputed the findings and said the warning is overblown.The warning was contained in the annual report by the?US Public Interest Research Group Education Fund. The "Trouble in Toyland" safety survey was published Tuesday ahead of the major holiday shopping season.The group noted "toys are safer than ever before," but that more work needs to be done to make them safer. PIRG's report highlighted the potential hazards of slime, toys with possible choking hazards and ones that could violate children's privacy by sharing data."With hundreds of new toys hitting the market every year, our survey of only 40 toys suggests there may be other potentially dangerous toys slipping through existing protections or worthy of further investigation," the group said.The group singled out six popular slime products for what it described as containing "dangerously high boron content." Boron is a nonmetallic element, and compounds of it, such as borax, have been used in products for decades, ranging from detergents to roach poison. The US PIRG Education Fund said it found that "significant concentrations of boron, as high as 4,700 parts per million (ppm) in popular slime toys.""Young kids are known to put everything in their mouths and when it comes to slime that could have serious consequences," said Adam Garber, the lead author of the report. "These high levels of boron can cause nausea, vomiting and long term reproductive health issues. Parents should closely monitor their kids when playing with this toy and call poison control if any is eaten."Garber added, "We should protect children by ensuring every package has appropriate labels moving forward and determine health-based standards to ensure children don't end up in the emergency room from their holiday gift."The United States does not have established standards on limits for boron in products. The Centers for Disease Control and Prevention says exposure to large amounts of boron -- about 30 grams of boric acid -- "over short periods of time can affect the stomach, intestines, liver, kidney, and brain and can eventually lead to death." Fatal doses for children are estimated to be 5 to 6 grams, according to the?Environmental Protection Agency.PIRG noted the European Union has a limit of 300 ppm for boron and that there should be a "full-fledged investigation to determine if limits should be established" in the US. "Policymakers should continue to evaluate new threats, such as boron, and ensure the Consumer Product Safety Commission has the funding and authority to protect the public," the report said.However, Rick Sachleben, a member of the American Chemical Society who has experience with boron, said it's important to distinguish the fact that "all forms of boron are not equally toxic." He said sodium borate, the known component used in slime, has "very low toxicity.""You'd almost have to do something beyond reason to make it toxic," he said, adding that a child would need to eat "multiple containers" before it reached toxic levels."The health risks are relatively low and can be controlled by telling your kid: 'If you eat the slime, I'm not going to buy you any more," Sachleben said.Sachleben wasn't the only one to take issue with the PIRG report.Wonder Workshop CEO Vikas Gupta told CNN that information about his company's product in the report was categorically false. The PIRG report, citing an investigation by the Mozilla Foundation, said Wonder Workshop's Dash robot "shares your information with third parties.""That is absolutely incorrect," Gupta said. "We don't collect any personal identifiable information from children, and we do not share any information from the apps or the software or robots to any third-party ever. None of that happens."Amazon, which had its Amazon Fire HD Kids Edition cited for its possible sharing of data, said the product is in full compliance with the Children's Online Privacy Protection Act. "We do not share children's data with third parties," Amazon said in a written statement.The report also said another popular toy -- the Hatchimals Fabula Forest; Hatching Egg with Interactive Tigrette -- had "no choking hazard label" in its listing on Walmart.com, although the photograph of the product has a choking warning on the front of the box.Garber said that wasn't good enough, that the "law requires online sites to provide warning labels directly on the site, not just on pictures or on the packaging, so parents are warned prior to purchase."According to PIRG, the Consumer Product Safety Commission has recalled more than 40 children's products in the last year, totaling more than 2.7 million units.Balloons cause more choking deaths among children than any other toy, according to the PIRG report. The group found three balloon packages that are either marketed to young children or are not labeled properly with choking hazard warnings.The six slime products mentioned in the report were:-- Kangaroos Original Super Cool Slime, which was found to contain "4700 ppm boron concentration. The EU limit is 300 ppm."-- Kidsco Glow in The Dark Slime with "4600 ppm boron concentration."-- Toysmith Jupiter Juice Slime with "1900 ppm boron concentration."-- iBaseToy Fluffy Slime with "1500 ppm boron concentration."-- Haniex Soft Magic Crystal Slime with "1400 ppm boron concentration."-- Meland Fluffy Slime with "1100 ppm boron concentration."Garber said 5 grams of boron could prove fatal for a child, although "health impacts with boron appear at much lower levels" than that. He acknowledged "you'd likely have to ingest multiple containers to reach the fatal level" of boron, but he doesn't believe that should be the standard. 5896

A former Jupiter, Florida police sergeant was fired after an investigation found he performed sex acts while on duty, is now suing the town of Jupiter.Jason VanSteenburgh is suing the town for negligent supervision as well as retaliation and discrimination, after he says he was sexually harassed by then Major Amy Walling.Walling was fired at the same time as VanSteenburgh, for engaging in those sexual acts with the sergeant, while he was on duty.Investigators said videos taken during the acts were part of evidence. In his lawsuit, VanSteenburgh admits he engaged in a sexual relationship with his supervisor, Walling in 2013. But he says "she used her power as major to discipline him for personal matters/disputes and put his position on the SWAT team at issue."VanSteenburgh said he ended his relationship with Walling in 2016 when "she began to stalk him and sexually harass him in the workplace, despite his objections." VanSteenburgh says he was fearful of complaining about her."This fear was confirmed when Chief Kitzerow made a comment to VanSteenburgh that he would 'always back his command staff,'" the lawsuit claims.He says despite his objections, Walling then sent him a half-naked photo of herself in his shirt. She also allegedly "bought a home near his home and an identical vehicle to that of his fiancee."VanSteenburgh said he complained to the chief, deputy chief, human resources and other majors multiple times but was told not to worry. He claims "Walling was told to stay away by command staff," but she didn't.VanSteenburgh then says he was removed from the SWAT team and placed on administrative leave. Eventually, he was fired but claimed Walling was given the chance to fight for her job when he wasn't.Jupiter police investigators found that VanSteenburgh engaged in sexual acts in July 2015, after they said a video produced by Walling confirmed all of this.He was also found to have sent a half-naked photo while on duty and in uniform in 2015.Investigators found Walling engaged in that sexual act in July 2015, and also sent naked photos of herself.Both permanently lost their jobs in 2017.  2197

A chicken processing plant in central California will close for about a week starting Tuesday for deep cleaning and to test every employee for COVID-19 after at least eight employees have died from the virus.The Foster Farms Livingston Poultry Complex in Merced County was declared an outbreak site at the end of June, and county health officials have been working with the company to implement safety measures before the shutdown was ordered.In addition to the eight employees who have died, 392 have tested positive for COVID-19.“We agree that the best approach to ensuring the future safety of our Livingston plant workers is to begin anew with a clean slate,” a statement from the company reads. The plant will close Tuesday, September 1 and reopen September 7.“During this downtime, the company will complete two rounds of deep cleaning and two rounds of COVID-19 testing covering all 1,400 plant employees,” the company states.The plant was originally ordered to shut down last week, but after conversations with the US Department of Agriculture and county health officials, the closure was moved to September 1, according to local media reports.“MCDPH allowed Foster Farms additional time before closure due to the massive coordination efforts required to prepare the facility for appropriate disinfection and safe removal of poultry,” the county said in a press release.Merced County Department of Health says all employees will need to test negative twice within seven days in order to return to work at the plant.In addition, the health department says Foster Farms needs to make changes to their social distancing of employees on-the-job, expanded break areas, proper personal protection equipment for employees and “other hygiene measures.”“We further agree with the Merced Public Health Department that opportunities exist to enhance social distancing, add to professional healthcare staffing that will oversee COVID-19 programs, and improve COVID-19 related employee communication,” Foster Farms stated. 2025

A car crashed into security barriers outside the UK's Houses of Parliament during rush hour Tuesday morning, injuring several people in what police are treating as a terrorist incident.The man's car collided with several cyclists and pedestrians before crashing into the barrier shortly after 7:30 a.m., police said.The driver, a man in his late 20s, has been arrested on suspicion of terrorist offenses and remains in custody in a south London police station.It appears to have been a deliberate act on an iconic London building, and as such, was being treated as a terrorist incident, said Metropolitan Police Assistant Commissioner Neil Basu during a news briefing later Tuesday.Police were still working on formally identifying the man, who is "not cooperating," said Basu, adding that the driver was not thought to have been known to MI5 or counter-terrorism police.There was not believed to be a further danger to Londoners or the wider UK related to the morning's crash, Basu said. 996