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Whether it’s to earn rewards toward vacations or just finance everyday purchases, there’s strong demand for credit cards among older adults.According to a report from credit bureau Experian, baby boomers (those born between 1946 and 1964) carried an average of 4.8 credit cards in the second quarter of 2019, more than any other generation in the report.One might think that an older adult’s chances of getting approved for a new credit card would be relatively high. It’s a demographic that’s had more time to establish long credit histories, pay mortgages and exhibit responsible borrowing. The Equal Credit Opportunity Act even bars creditors from discriminating against an application on the basis of age.If you fall into that demographic, though, there are several reasons why it could be challenging for you to get approved for a new credit card. Here’s what could be influencing your creditworthiness, and what you can do about it.Why older adults could be denied creditLess incomeDuring the credit card application process, you’ll be asked to report your annual income or income that you have reasonable access to; the bank needs to make sure you’re able to pay back what you charge.If you’re retired, you may be living on less since you no longer have that steady employment income, and that can affect your chances of approval.The good news is that you can count more income than just a traditional salary, including things like:Social Security benefits.Income from a spouse or partner.Income from investments and retirement.Part-time or seasonal jobs.Dividends and interest.Thin or ‘invisible’ credit filesIf you’re an older American who’s worked hard over many years to pay off your mortgage and whittle down daily expenses, you may not think your credit scores matter much anymore. But you may be rudely awakened when you incur a large unexpected expense, want to downsize to an apartment, or try to open a new travel rewards credit card to help boost a retirement trip. Credit scores do indeed still matter, and some factors may be working against you.In order to even have a FICO credit score, you need to have credit activity reported to the U.S. credit bureaus at least once every six months. Plus, that credit line with activity on it must be at least six months old.So if you’re fully free of debt — say, you’ve long ago paid off your home, your car and other loans and haven’t had any other credit activity in a year or more — the bureaus simply may not have enough information about you. Your credit file may be too thin.According to a 2019 analysis from credit bureau Equifax, about 91.5 million consumers in the United States either have no credit file or have insufficient information in their files to generate a traditional credit score.Poor ‘mix of credit’Even if you’re an older American who’s actively using credit cards and paying them off on time and in full each month, it doesn’t ensure you’ll get approved for your next card. In fact, if you have only credit card accounts in your credit file but no installment accounts like mortgages or car loans, it can be a drag on your credit scores.That’s because credit scoring models also like to see a “mix of credit,” meaning a variety of accounts that show you have experience with different kinds of borrowing. There are two basic types of credit:Revolving: Doesn’t have a set end date or consistent balance. Credit cards and home equity lines of credit are the most common types.Installment: Installment loans have set end dates and require a standard payment every month. Mortgages and car loans are the best examples.If you have a long credit history of on-time payments as well as low credit utilization, then not having a mix of credit likely won’t be enough to make or break your creditworthiness. But lacking a mix of credit could drag down a borderline score and make it hard to qualify for a new credit card.Co-signing pitfallsDid you agree to co-sign on a personal loan for your son, or on student loans for your granddaughter? Your generous help may have had unintended consequences for your credit scores.When you co-sign a loan, both the loan and payment history show up on your credit reports as well as the borrower’s. If the person you co-signed for misses payments, it’s your score that will be negatively affected.Even if the person you co-signed for is making all their payments on time, the loan could still count against you. That’s because it can constitute a debt obligation that leaves you too little disposable income to qualify for a credit line in the eyes of issuers.5 ways older adults can boost their odds of credit card approvalEven if you’ve paid off your mortgage, have a thin or invisible credit file or have never used credit cards at all, there are still ways to improve your chances of getting a new credit card.Check your credit report: Pull your credit report regularly to make sure there are no errors. A credit card issuer could have incorrectly reported a late payment, or your report could show accounts that don’t belong to you at all. If you find anything wrong, dispute the errors right away. Make sure you continue to monitor your credit regularly.Become an authorized user: If you have a loved one with a strong credit history, ask if they’ll consider adding you as an authorized user on their credit card. The issuer will send the primary account holder a card with your name on it, and you may benefit from their good credit. It may not be enough to have a huge impact on your credit scores, but it could give you a bump relatively quickly.Build credit with a secured credit card: A secured credit card acts like a regular credit card in many ways, with one key difference: It requires an upfront deposit, which acts as your credit limit and protects the card issuer in case you’re unable to pay back what you charge. Use a secured card to help build credit in the near-term, then upgrade to a traditional credit card once your credit scores are in better shape.Consider a credit-building installment loan: A credit-builder loan holds the amount you borrow in a bank account while you make the payments. You generally won’t be able to access the money until you’ve paid off the loan, but those payments are reported to at least one of the credit bureaus. Not only can that help your credit scores, but it can also add to your credit mix.Don’t close long-held accounts: If you have some credit history but are trying to improve it, avoid closing any cards that you’ve held for years. The length of your credit history and average age of accounts are factors in your credit scores. Keep your oldest accounts open, but look to downgrade cards if they carry an annual fee that’s no longer worth it.More From NerdWalletI Paid Off My Credit Card Debt … Now What?How to Increase Your Chances of Credit Card ApprovalSmart Money Moves When Cash Is Tighter Than TimeErin Hurd is a writer at NerdWallet. Email: ehurd@nerdwallet.com. 6959

WILSON, N.C. - The Wilson (North Carolina) Police Department have arrested and charged a man in connection to a Sunday night shooting that left a five-year-old boy dead.Police say 25-year-old Darius N. Sessoms has been charged with first degree murder and has received no bond.Sessoms was found inside a home on Monday in Goldsboro after a warrant was put out for his arrest in connection to the shooting that took place Sunday night.According to officials, on Sunday around 5:33 p.m., officials received a call regarding a shooting.5-year-old Cannon Hinnant was found suffering from a gunshot wound. He was taken to a local hospital where he later died.The US Marshals’ Carolinas Violent Fugitive Task Force, Goldsboro Police Department, and Wayne County Sheriff's Department assisted Wilson Police in arresting Sessoms.The Wilson Police Department is encouraging anyone with information regarding this case to contact the Wilson Police Department at 252-399-2323 or Crime Stoppers at 252-243-2255.This article was written by Arianna Herriott for WTKR. 1062

While hundreds of families wait in agony to learn the fate of missing loved ones, officials gave a gut-wrenching forecast on the fate of California's Camp Fire:It's not even halfway done burning yet.Since the Camp Fire erupted 10 days ago in Butte County, it has killed 77 people, destroyed more than 9,700 homes and torched an area the size of Chicago.But the blaze probably won't be fully contained until November 30, according to Cal Fire, the state's forestry and fire protection agency."It is overwhelming, I don't have any word to describe it," Butte County Sheriff and Coroner Kory Honea said. "This is unprecedented. No one has had to deal with this magnitude that caused so much destruction and regrettably so much death."Meanwhile, displaced residents are in limbo. Many are in Chico, Butte County's most populous city, about 15 miles from ground zero of the disaster, the town of Paradise.Some evacuees are staying with friends and family. Others are in a tent city in a Walmart parking lot. On Sunday, those seeking a place to grieve trickled into the First Christian Church of Chico for a candlelight vigil.A sign in the church set an intention for the hourslong open memorial: "We will rise from the ashes."The Camp Fire is already the deadliest and most destructive wildfire in California history. And with 993 people still unaccounted for, officials fear the death toll could keep rising.Crews are combing the remnants of houses where all evidence of life has been wiped out by flames. Many of the searchers have lost their own homes and are looking for the remains of their neighbors.While the search for the dead and missing continues, thousands of firefighters are trying to control the blaze. As of late Sunday, the Camp Fire had seared 150,000 acres and was 65% contained. 1826

When it comes to the classroom, it's not unusual for teachers to have assistants. But those helpers aren't always people. At one school, students are learning in a completely new way.We all know it can be fun to play with a dog. But by helping Buster get through an obstacle course, Buster's also helping elementary school student Mason Gentry in ways he hadn't planned."Definitely with focus," Gentry said. "Because sometimes I just have a hard time focusing."But how?"Because I have to help focus on what Buster is doing in order to do what I need to do with him," Gentry said.Buster is teaching schoolmates Ashton Huffman and Grant Meurer, something else."Patience," Huffman said.And it goes beyond getting Buster through the course."It teaches us that if you were to ask for something you can't just go now now I want it now," Meurer said.Once a week dogs like Buster and Mojo, come to Van Arsdale Elementary School in Colorado to work with students.They lead them through courses they've planned out using commands, which helps them develop their communication and confidence."They will get more confident each week," said Vivan Mulhern, coordinator at HABIC Denver. "They will say it louder and then you just see their skills improving and wanting to learn more so then they can connect science together and they can do things like that."Teacher Denise Gillette started the program after seeing how it impacted a student with autism."Were you surprised after that initial student had such a positive reaction from working with the dog?" Kumasi Aaron, a national reporter with The E.W. Scripps Co., asked."Yeah, I think I was surprised," Gillette said. "It was just so beneficial, just such growth."Now more students are seeing that growth, learning a variety of skills that can be challenging to teach, like patience, confidence and focus."They can work on something through the dog that you wouldn't really want to address directly with them," Gillette said. "Like I think if you put the spotlight on them and say you need to have impulse control then you get a resistance but when it's over we need to teach the dog this and then they see, 'Oh that's a valuable thing.'"Gillette writes personalized books to complement her student's work with the dogs, weaving in the lessons each one is trying to learn."Nobody wants to be told you need this you need that," Gillette said. "But when you're helping the dog get it's like, 'Oh okay now you're the helper and you're not always the student who has a problem.'"So while Coen Stevenson has taught Mojo some pretty cool tricks, Mojo's made it easier for him to learn."It makes me feel better to like do more stuff in class and like work better," Stevenson said.A change in curriculum, adding man's best friend, and much more. 2810

When it comes to Olympic tickets, the Latin expression “caveat emptor” often applies: “Let the buyer beware.”The unprecedented postponement of the Tokyo Olympics has left buyers of millions of tickets in a quandary. Will the games happen next year? Will non-Japanese fans be allowed? Will there be any fans? How will health and travel restrictions be applied? Will there be a vaccine and quarantines?Tokyo organizers and the International Olympic Committee say the games will open on July 23, 2021, and the competition schedule remains virtually unchanged. But they’ve offered few details, and specifics aren’t expected until the fall and into next year as the COVID-19 pandemic evolves.“We have some people saying there is no way Tokyo 2020 is happening, and other people are saying it’s absolutely going to happen and ‘I’m going to be there for every moment of it,’” said Ken Hanscom, the chief operating officer of the Los Angeles-based firm TicketManager.Hanscom isn’t connected with Olympic ticketing, but his company manages big-event tickets for corporate clients. He’s also organized a popular Facebook page that’s a go-to for Tokyo ticket information.Olympic ticketing is always confusing, a maze of interests including official ticket resellers, national Olympic committees and sports federations, sponsors and advertisers, and local organizers and the IOC.Invariably at every Olympics, an event is listed as “sold out” although the venue is half-filled because some VIPs or hospitality guests haven’t shown up.Four years ago in Rio de Janeiro, IOC member Patrick Hickey of Ireland was arrested for scalping tickets. He has maintained his innocence. Japan has passed an anti-scalping law specifically because of the games, though it has several loopholes.The Chinese e-commerce, data and technology company Alibaba is taking over ticketing for the 2022 Beijing Winter Olympics, and likely beyond. Alibaba owns Damai, one of China’s largest ticketing platforms, and is also an IOC sponsor.Olympic tickets for residents of Japan were sold through the local organizing committee. It says refunds for the postponement “will be carried out” no earlier than this fall. This seems straightforward.It’s more complicated for non-Japan residents.Those outside Japan purchase through so-called Authorized Ticket Resellers appointed by national Olympic committees. They can charge a 20% handling fee on tickets, and are allowed to package desirable tickets with premium hotel packages. They also set the foreign currency exchange rates.In Brazil four years ago, CoSport, the ATR for the United States, used a currency exchange rate that drove up ticket prices.There are dozens of ATRs, and they’ve applied varied terms, conditions and deadlines for seeking refunds. The largest ATRs are: CoSport/Jet Set Sports, the only ATR for the United States; Cartan, which covers much of Latin America; MATCH Hospitality for Brazil and Russia; Kingdom Sports for much of Asia and Africa; Fanatic Sports for India.Christopher Chase, an attorney based in New York who specializes in sports, intellectual property and media, looked at the “Terms and Conditions” set out by Tokyo organizers regarding ticket use. He said the “force majeure” clause was defined broadly enough to cover the pandemic and health crisis.“Force majeure” spells out unforeseeable circumstances that prevents a contract from being fulfilled.But he noted that local organizers had already committed to paying refunds for the postponement, as have many ATRs.“It’s all a bit confusing as each set of terms seem to direct to the other party’s (terms),” wrote Chase, a partner in the law firm Frankfurt Kurnit. “But it does appear that tickets refunds are possible, regardless of whether a force majeure event occurs.”Tokyo organizers say at least 70% of 7.8 million tickets were set aside for buyers in Japan. About 4.5 million tickets have been sold to Japan residents, with ticket sales expected to be worth at least 0 million to local organizers, their third largest source of income.Hanscom said the uncertainty was pushing down hotel prices in Tokyo. This is accentuated as organizers say they’ll “simplify” the Olympics and cut back on officials, hospitality and media, freeing up blocks of hotel rooms.The Associated Press emailed about a dozen ticket buyers in the United States who purchased from CoSport. Some are keeping their tickets and plan to go. Some returned tickets but still plan to go and buy later. Others canceled plans to go altogether.Andrew Pham, a commodities trader in Spokane, Washington, summed it up. He has invested ,500 in tickets and still plans to go.“I would say at this point, no one should be buying or holding any tickets that they couldn’t afford to lose,” he said.Pham said he assumes that CoSport will be unlikely to return money if the Olympics are canceled.“I couldn’t imagine that they would have the cash liquid to refund people. The terms and conditions are also quite ominous,” he said.Sharon delPilar, a stage manager in Las Vegas, is also going ahead and has spent 0 on tickets.“I’m willing to run the risk — to a certain degree,” she wrote. “Everything else I have purchased (hotel and air) has been made with the option of refunds/cancellation. I trust all efforts will be made to work things out.”Thomas Armbrustmacher, an accountant in Fowler, Michigan, said he has invested almost ,000 in tickets and is also taking a chance.“I am willing to take the risk that I will not get a ticket refund,” he wrote. “I am being cautious on what I buy from here on out though because if cancellation results in no refund, I don’t want to lose too much more money than I have already spent.”Brandon Nagata, a state employee in Honolulu, said he spent about ,400 on tickets and had returned some for a credit card refund, minus the non-refundable service fee. He returned other tickets in exchange for credit for a next-time buy. No service charge was taken out. He still plans to attend.He was critical of CoSport setting the refund deadline on July 31 — a year away from the opening. He said CoSport also did not make the deadline widely known.Lora Cesana, who works as a film and television designer in Des Moines, Iowa, returned about ,000 in tickets. She said she and her husband, who also has an Italian passport, decided this was not the right time for an Olympics. They both are former New York City residents.“We witnessed friends and family in Milan and New York go through this crisis,” she wrote. “It was clear to us that it was not the right time to travel to Japan for a large gathering such as the Olympics.”___More AP sports: https://apnews.com/apf-sports and https://twitter.com/AP_Sports 6720