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Dipping your toe into the world of credit? You’re in luck: There are more ways to establish credit now than there were in decades past.You build your credit score by adding positive information to your credit reports, which are files of financial data about you. These files are compiled by the three major credit bureaus, Experian, Equifax and TransUnion. Lenders, landlords and employers may check one or more of those files while reviewing your application.Here are three well-known ways to establish credit, plus some new products designed to give you a leg up.Traditional credit-building toolsThese three approaches can quickly 645

CNN conducted a draw on Thursday for the next Democratic presidential debates, which will be held in Detroit on July 30 and 31. Here is who will participate: Night 1:Gov. Steve BullockRep. Tim RyanGov. John HickenlooperRep. John DelaneyMarianne WilliamsonSen. Amy KlobucharRep. Beto O’RourkeMayor Pete ButtigiegSen. Elizabeth WarrenSen. Bernie SandersNight 2:Mayor Bill DeBlasioSen. Michael BennetRep. Tulsi GabbardSen. Kirsten GillibrandGov. Jay InsleeSen. Cory BookerAndrew YangMayor Julian CastroSen. Kamala HarrisVice President Joe BidenThe draws were held in three section to ensure that the top candidates were spread evenly between the two nights. Warren, Sanders, Harris and Biden were put into their own drawing, so two of the four would appear each night. DeBlasio, Bennet, Gabbard, Gillibrand, Inslee, Bullock, Delaney, Williamson, Hickenlooper and Ryan were placed in the first tier of candidates, with 5 drawn for each night. Booker, Yang, Castro, Buttigieg, Klobuchar and O'Rourke were in a middle tier. 1030

Carl Goldman and his wife Jeri couldn’t have written a more perfect script for the first 15 days of their Southeast Asia cruise.But the last day marked the beginning of an unpredictable story.“We were fortunate because we had a mini-suite so we had a balcony and could look at the craziness out there, which was like a scene out of the movie the Andromeda Strain, with 60, 70, 80 ambulances at each time, media was all around,” said Carl. They were among thousands of passengers quarantined on the Diamond Princess cruise ship in Japan. One passenger tested positive for coronavirus and hundreds more followed.Passengers were initially told the delay would be one day but that became two weeks. “We made the best of it, over the 12 days, and decided to go public with it at the time, and had a tremendous response.”The Southern California radio station owners 872

Education Secretary Betsy DeVos is facing another lawsuit over the department's loan forgiveness program aimed at helping defrauded students.More than 150,000 applications are pending, and some borrowers have been waiting years to hear whether they'll be granted debt relief. Seven borrowers, all of whom attended for-profit colleges, filed the lawsuit Tuesday."Department officials have not offered a timetable for reviewing these applications. It's becoming very clear that they're not treating them in good faith," said Eileen Connor, legal director at the Project on Predatory Student Lending, which filed the case on behalf of the seven borrowers.The department stopped processing claims under DeVos, who wants to rewrite the Obama-era rule that allows defrauded students to seek loan forgiveness.But a federal judge -- siding with Democratic attorneys general from 18 states and the District of Columbia -- ruled that DeVos' freeze was "arbitrary and capricious" and ordered immediate implementation of the rule in October.Still, the department did not process any more claims through the end of last year, according to the latest data available, and Connor says there's been no indication that it has started to review them again.The Department of Education did not immediately respond to a request for comment.DeVos has called the rule, known as Borrower Defense to Repayment, "bad policy." She's proposed offering partial loan forgiveness for qualifying students instead, based on the income of their peers who attended similar programs at other colleges. The plan would save the government .7 billion over a 10-year period compared with the Obama version, the department said.Department officials have argued that they cannot process claims while another lawsuit is ongoing. The agency was also sued over the proposal to offer partial forgiveness."Until we have clear direction from the court, or a different methodology that we think doesn't run the same challenges -- yes, we are in a holding pattern for students that are probably eligible for partial relief," said Diane Auer Jones, principal deputy under secretary, at an event at the 2165

Chicago Mayor Rahm Emanuel on prosecutors dropping all charges against actor Jussie Smollett: “This is a whitewash of justice” https://t.co/DpurFFq6NW pic.twitter.com/PiwPjkcZcd— CNN Newsroom (@CNNnewsroom) March 26, 2019 233