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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 cold front dropping down from Canada will be giving hundreds of thousands of people weather whiplash this week, with 30-to-50 degree 24-hour drops forecasted between Monday and Tuesday for sections of the Rocky Mountain west and western plains.Excessive heat warnings are in effect from southern Oregon to southern Arizona on Monday, according to the National Weather Service. As an early season cold blast moves south, those will be replaced Tuesday with winter weather and frost warnings along the Rockies and western plains, and wind advisories in neighboring states. 580

A California fire department has been rocked by COVID-19 in recent weeks, enduring the heartache happening in communities all across the country."They all had on the required PPE, personal protective equipment, the mask, the gloves, the goggles, but again we're not always going to get that exposure and that risk out 100 percent," said Patrick Russell, Fire Chief of Anaheim Fire and Rescue.Chief Russell says 20 firefighters were quarantined, and seven tested positive for COVID-19. They believe the exposure happened on a call in May."This is by far the hardest thing I've ever had to do. I would say even professionally, from all my time being a firefighter. To see one of our brothers in the bed they have to be in when they're on a ventilator," said Rob Lester, a fire captain and President of the Anaheim Firefighters Association.A 27-year veteran of the department, Captain Dave Baker is still fighting for his life on a ventilator. Lester says Baker is beloved beyond the department."He's probably the most iconic member of our fire department, the big guy in the Disney picture, shaking hands with Mickey Mouse," said Lester.Baker posed for the Disney sketch in 1993 as a rookie. Printed on t-shirts and postcards, it was a tribute to all firefighters, and the only time Mickey is looking up at a human."We're people who go out and make a difference, help people. And we're helpless in this situation," said Lester.Also still in the hospital, 19-year veteran Joe Aldecoa, who at one point was in the ICU with a 105-degree fever.The International Association of Fire Fighters (IAFF) is tracking members impacted by the virus; the newest numbers from the U.S. and Canada show more than 20,800 have reported being exposed.The labor union advocates on behalf of fire departments, some of which are still struggling to afford enough personal protective gear.And now, some states are requiring firefighters to help with COVID-19 testing in nursing homes, a job they may not have been trained to do before the pandemic. The IAFF is offering guidance on how departments can safely conduct testing."All firefighters, all of us around the world, keep us in your thoughts and prayers. And when you see us driving by, wave and give us a big smile, we'll wave back," said Lester.He wants the community to know that despite the risk, they'll continue serving the community, answering every call. 2399

A federal judge in California put a temporary stop Thursday to efforts by Stormy Daniels' attorney to depose President Donald Trump and his personal lawyer, Michael Cohen over a 0,000 payout from Cohen to the porn star before the 2016 election.Judge S. James Otero of the US District Court for the Central District of California denied the motion for an expedited trial and discovery process, saying Daniels' attorney, Michael Avenatti, was "premature" in making the motion because Trump and Essential Consultants LLC, the company established by Cohen to pay Daniels the 0,000 to keep quiet about an alleged affair between her and Trump, have not yet filed a petition to compel arbitration, which they have stated they're going to do.Avenatti tweeted that he intends to refile the motion as soon as Trump, Cohen and the company "file their motion to compel arbitration seeking to hide the facts from public view. We expect this any day."In his decision, Otero admonished the parties, writing that "instant litigation is not the most important matter on the court's docket." He also vacated a hearing date previously set for April 30.In the motion he filed earlier this week, Avenatti requested to depose both Trump and Cohen, who was added this week as a defendant in the lawsuit, for "no greater than two hours."The request also asked for "targeted requests for the production of documents directed to Mr. Trump and Mr. Cohen on various topics relating to the hush agreement."Avenatti laid out questions he'd like answered, including whether Trump knew about the hush agreement and the scope of his involvement, where the payment came from, what Cohen's role was, and whether Trump consented to the agreement and was involved in efforts to silence Daniels "to benefit his presidential campaign by preventing voters from hearing Plaintiff speak publicly."The motion is the latest in the legal battle between Daniels, an adult film actress whose real name is Stephanie Clifford, and Cohen, Trump, and the limited liability company Cohen created to pay her to keep quiet about the alleged affair with Trump more than a decade ago.Daniels said she was pressed to sign the document, and her legal team now says the agreement is invalid because it was never signed by Trump.On Monday, Daniels' legal team amended her lawsuit to include a defamation claim against Cohen. Daniels' friend and fellow adult film actress Alana Evans, who has publicly tried to corroborate Daniels' claims of an affair, also said she will file her own defamation claims by the end of the month.Trump continues to deny that he had an affair with Daniels, White House deputy press secretary Raj Shah said Monday afternoon. 2756

A major manhunt is under way after an improvised explosive device exploded on a London Underground train, injuring 29 people in what police have called a terrorist incident.None of the injured are thought to be in a serious or life-threatening condition, according to the London Ambulance Service, which took 19 of the injured to hospitals. Ten others went to hospitals on their own.The blast occurred during the morning rush hour at about 8:20 a.m. local time (3:20 a.m. ET) Friday at Parsons Green Tube station, a leafy stop on a busy commuter line from southwest London into the center of the capital."We now assess that this was a detonation of an improvised explosive device," London's Metropolitan Police Assistant Commissioner Mark Rowley said at a news conference.Most of the injuries appear to be the result of flash burns, he said.No arrests have been made so far. Hundreds of detectives are working on the inquiry with the support of Britain's domestic intelligence service, MI5.Mark Rowley, assistant commissioner of the London Metropolitan Police, said that investigators were making "excellent progress" in identifying, locating and arresting those responsible.A British security source who has been briefed on the investigation told CNN that a timer was found on the device. It's clear the device was intended to cause much greater damage, the source said, but cautioned that the investigation is still in its preliminary stages.Another source briefed by investigators told CNN that an initial assessment of the device indicates it is "highly likely" to have contained the explosive TATP but that this has not been confirmed. It also appeared to have been crude and poorly designed, the source said.The terror threat level in the United Kingdom was raised from severe to critical, Prime Minister Theresa May announced, a spokesperson told CNN. The terror threat level of "critical" means than another attack is considered to be "imminent.""Police and security services are obviously doing all the work to discover the full circumstances of this cowardly attack and try to identify those responsible," she said."The threat of terrorism that we face is severe but together, by working together, we will defeat them."She added that people should carry on with their daily lives but be vigilant.  2320