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Pala Mesa, CA (KGTV) -- We are learning more about the bus company involved in Saturday's fatal crash along Interstate 15. An Executive Lines charter bus flipped over, killing three and sending nearly 20 people, including a 5-year-old boy, to the hospital. Federal records show Executive Lines has been cited for several maintenance issues in the last two years. 10News looked into Executive Lines, a company out of El Monte in Los Angeles County. They specialize in charters from Los Angeles to San Ysidro, with many of their passengers heading to Tijuana International Airport. Saturday's charter bus, carrying 21 passengers plus the driver, was headed toward San Ysidro before it crashed on I-15 near Pala Mesa. "The vehicle lost control, veered to the right, obviously traversed this shoulder, and eventually overturned," Officer Mark Latulippe of the Oceanside California Highway Patrol [CHP] said. Witnesses said several passengers were ejected from the bus. CHP confirmed that likely none of them were wearing their required seatbelts. Three of them were pronounced dead on the scene, and nearly 20 were transported to various hospitals. According to the Federal Motor Carrier Safety Administration [FMCSA], in the last two years, none of the Executive Lines buses were involved in crashes. But out of 19 vehicle inspections for their seven-vehicle fleet, 13 of the checks came back with a total of 26 vehicle maintenance violations. That puts them in the 48th percentile, meaning nearly half of all bus companies have better on-road performance than Executive Lines. 10News also looked into the inspection history of the exact Charter bus that crashed Saturday. We found that after a November 5, 2019 inspection, this very bus was cited with two Federal maintenance violations:93.78 393.78 No Windshield Wipers Inoperative/Defective 393.95B 393.95(b) No No Spare Fuses As RequiredIt is unclear if the company fixed the violations before Saturday's crash. But it is worth mentioning that roads were slick at the time of the accident because of the rain. Executive Lines did not respond to our request for comment. 2129

Pandemonium erupted Sunday night in Atlanta at a Lil Wayne concert that ended with at least a dozen people receiving minor injuries, police said.People tried to flee after somebody in the crowd reportedly yelled that gunshots had been fired, Atlanta Police Public Affairs Officer Jarius Daugherty told CNN.Some concertgoers reported they hurt their ankles and were cut trying to jump fences.Video from the event posted on social media showed concert goers fleeing in a panic.Police responded and cleared out the Georgia Freight Depot in the Old Fourth Ward area.Daugherty told CNN police have found no evidence of gunshots.Lil Wayne, one of hip hop's biggest stars, was only a few songs into his set. 708

People are taking a lot more road trips because their traditional travel plans have been canceled due to COVID-19.Many are renting RVs for the first time. RV rental website Outdoorsy said in May and June, 93% of their bookings were first timers.“The first thing I would say is don’t worry, you know a lot of the worry is up in your head, because these recreational vehicles looking larger and scary and intimidating to drive," said Jennifer Young, co-found and CMO of Outdoorsy.Young says owners renting on the website are willing to walk an RV newbie through the entire process. If you don't want to drive one, they can come to you and set it up.Insurance is covered for everyone when you rent online.First time renters should really focus on researching where they want to stay.“There are thousands and thousands of private RV parks, national parks, state level parks and BLM lands, free camping space available,” said Young.Depending on where you stay, there may be a fee. In terms of pricing, the average RV rental on Outdoorsy is around 1 per night.You usually only drive on the first and last day, so you're not spending a ton on gas. You can pack food to keep costs down.And to no surprise, those surveyed by Outdoorsy said they felt less stressed and the kids were happier on a road trip.“Spending time outside quite literally is the antithesis of being cooped up,” said Young. “Most of the time you spend when you're traveling is on the hikes exploring new places, checking out a river or a stream, going to a nearby town and just hanging out for the day.”Another popular option now is car camping, essentially packing up a smaller rented vehicle or your own car and sleeping outside. Borrowing or renting camping gear is another way to trim costs. 1768

People who care about their credit scores tend to obsess about some things they probably shouldn’t, such as the possibility they might have too much credit.Let’s bust that myth right upfront: The leading credit scoring formulas, FICO and VantageScore, don’t punish people for having too many accounts. And right now, having access to credit could be a lifeline.In June, the median duration of unemployment was nearly 14 weeks, according to the U.S. Bureau of Labor Statistics. “Median” is the halfway point, which means half of the unemployed had been out of work longer. After the Great Recession, the median length of unemployment peaked at 25 weeks.Most households don’t have enough emergency savings to get through extended unemployment. Access to credit ultimately could be what staves off eviction, keeps the lights on and puts food on the table.Obviously, you can have too much credit if it would tempt you to spend recklessly. And the more accounts you have, the easier it might be to forget a payment — which can be devastating to your scores — or fail to detect signs of fraud.But that doesn’t mean you should worry about applying for the credit you need in the misguided notion that having too much credit is bad for your scores.“It’s not about the number of accounts,” says Ethan Dornhelm, FICO’s vice president of scores and predictive analytics. “It’s about how those accounts are handled.”It’s not how many cards, but how you use themBefore the advent of modern credit scores in the 1980s, lenders did worry that people who had access to a lot of credit would suddenly run up big balances, then default, says credit expert John Ulzheimer, who formerly worked for FICO and for Equifax, a credit bureau. But data scientists have since learned otherwise. People who had been responsible with credit in the past tend to continue being responsible.“I’ve got a gajillion credit cards,” Ulzheimer says. “I could charge up every single one of my cards tomorrow, but I’m not going to do that.”Although you can’t have too much credit, you can have too much debt. Having big balances relative to your credit card limits, or a bunch of cards with balances, can definitely hurt your scores, credit scoring experts say.“There’s no right number of credit cards,” says Jeff Richardson, senior vice president marketing and communications at VantageScore Solutions. “But if you have 22 cards and they all have balances, that can add up.”Even small balances and balances you pay in full can be problematic. Credit scoring formulas consider how many of your accounts have balances and how much of your credit limits you’re using, among other factors. The scoring system uses the balances reported by your creditors, which are generally the amounts from your last statement. You could pay those balances off promptly, but they still show up on your credit reports and affect your scores.Credit-building strategiesIf you’re trying to polish your credit, Ulzheimer recommends using one or two credit cards and not charging more than 10% of their limits. That may require making more than one payment each month to keep the balances low or asking issuers for higher credit limits.If you do use more than a couple of cards, paying the balances off before the statement closing date will typically result in a zero balance being reported to the credit bureaus, and that can be good for your scores.Be careful about canceling unused cards, however. Closing credit accounts can hurt your scores, since it reduces your total available credit. If you’re concerned a lender might close an unused card, you can use it occasionally and immediately pay off any charges so you have a zero balance on the statement closing date.If your credit scores are already high, however, Ulzheimer questions how much effort you should invest in making them higher. Once your scores are over 760 on the commonly used 300-850 scale, you’re getting the best rates and terms lenders offer.Another thing people worry about, but probably shouldn’t: inquiries. Applications for credit typically have a minor impact on your scores and any impact fades within a year. But Ulzheimer says people are often convinced otherwise.“It’s crazy how many questions I get about inquiries, and they are so meaningless in the grand scheme of things,” Ulzheimer says. “People love to obsess about little things that don’t really have a whole lot of influence.”This article was written by NerdWallet and was originally published by the Associated Press.More From NerdWalletSmart Money Podcast: How to Travel Safely, and How to Handle Old DebtsTransition From Work-at-Home Novice to ProCan You Really Trust Your Payment App?Liz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. 4764

OTAY MESA, Calif. (KGTV) - Eight border wall prototypes constructed in South San Diego County are in the process of being dismantled Wednesday, according to Customs and Border Protection officials. "At this point, we have learned a lot from them, but we don't necessarily have a purpose or use for them anymore, and we will be bringing them down," a CBP official told CNN. RELATED: EXCLUSIVE: Candidate describes border wall prototype “Those are not things that the [congressional] language necessarily precludes and they're items that we have been able to add to our tool kit," added the official. The prototypes, which stand 30 feet tall, are in the path of the secondary border fence project, a Border Patrol source told 10News. The Department of Homeland Security hired companies to build the prototypes, which were finished in October 2017. Over two months, Customs and Border Protection officials tested the walls using power tools, hand tools, and other methods. The CBP evaluated the prototypes to determine if anyone could get through by climbing or digging. RELATED: Photos: A look at the border wall prototypes Some reports have suggested the prototypes didn't do well in tests conducted by breaching experts, though the results haven't been made public, CNN reported. None of the companies that built the prototypes are currently building portions of the wall on the southern border, according to a CBP official.CNN contributed to this report. 1463

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