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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

When you sit down to do your taxes in the next six months, there are some things you need to know. There'll be a lot of changes to what you can deduct when you file your taxes next year.Elaine Espinola is one of the 150 million Americans who is gearing up to file a tax return under the new law."Sounds like I can't deduct a lot of things that we had been,” Espinola says.Shes right.Tax expert Ed Karl says the tax bill that passed last December is the biggest overhaul to the tax code in over three decades."Nothing of this magnitude since 1986,” Karl explains. 575

West Virginia legislators scrambled Monday to see whether there is enough money to meet teacher pay demands and end a strike that has dragged into its eighth day.A legislative conference committee appointed to resolve differences between the state Senate and House is scheduled to meet at 4 p.m."We recognize the urgency of this situation," said Delegate Paul Espinosa, chair of the House Education Committee and co-chair of the conference committee on House Bill 4145, the pay raise legislation.Gov. Jim Justice and the union leaders last week agreed that teachers and service personnel would receive a 5% pay raise. The House approved the proposal, but the Senate passed a 4% raise. Union leaders say the teachers won't return to work until they get a 5% raise.Espinosa said he has been speaking with his counterpart in the Senate, Majority Leader Ryan Ferns, "on how we would like to proceed with the committee's work to resolve the differences" between the Senate and the House of Delegates.Democrats in the Legislature say new revenue projections show the money is there and that a 5% raise would amount to million more in spending than a 4% bump."This situation has evolved very quickly in recent days, and we want to make sure committee members have a full array of accurate information available to make a well-informed decision," Espinosa said.."To accomplish that, we have instructed our respective Finance Committee staffs to pull data and put together the necessary fiscal information, and have separately reached out to the Governor's Office staff to ask for more budgetary information from the executive branch."West Virginia public school teachers are continuing their strike because the Legislature didn't meet their demand for higher pay and better benefits over the weekend. All 55 counties announced school closures for Monday. About 20,000 teachers walked out February 22, keeping almost 277,000 students out of class.West Virginia public school teachers earn an average salary of about ,000, making them among the lowest paid educators in the United States. School service personnel are also walking out.The pay raise must be passed as a law, since West Virginia is not a collective bargaining state.The House bill with the 5% raise quickly passed Wednesday, but Senate lawmakers expressed concern about how the state will fund the raise and passed the 4% version on Saturday after hours of debate and discussion.The House voted not to adopt the 4% version of the bill. With no agreement between the chambers, the conference committee was created. Three members from the House and three from the Senate -- two Republicans and one Democrat -- were selected.The group has until Tuesday to come to a decision about the bill. The House and the Senate could extend that deadline. If a meeting of the minds eventually fails, an earlier law specifying a 2% raise for teachers' pay would kick in, and then 1% over two years.The issue of teachers' pay isn't restricted to West Virginia. In Oklahoma, public school teachers are considering a statewide strike over their salaries.West Virginia teachers are equally unhappy with their employee health insurance program. Tentative agreements on pay did not include a fix to the Public Employees Insurance Agency (PEIA), which employees say requires them to pay premiums that are too high.A task force on the health insurance issue meets March 13. 3419

Whether kids learn at school or at home this fall, Nick Rose wants them to learn and practice music. That's Rose’s goal behind his Band In A Box program.Rose has been distributing hundreds of plain brown boxes with the gift of music inside. It's a spinoff from his Band In A Bus program.“We believe it’s like giving away a box of joy,” said Rose.With more and more questions about what classes and extracurriculars will look like as the coronavirus pandemic continues, Band In A Bus is changing its approach to hand out recorders and drum sticks to as many kids as possible.“The least we can do in these trying times is help kids feel some type of happiness and excitement every day,” Rose said. "That’s kind of why we’re trying to pilot this program.”Band In A Bus says budget cuts due to the coronavirus are forcing some schools to cut back music programs even more, which makes these free boxes even more important for kids.“The worst thing that we can do to a kid is strip them of this creative outlet,” Rose said. “As a growing young person, the most valuable thing is learning who you are and your tone of voice.”The Band in a Box program has enough money to help about 500 kids, but it is raising more money to try to impact as many families as possible.“That’s the experience that every kid can kind of relate to – that excitement, that fun,” Rose said. “You could see their smiles as they were drumming. It’s such a powerful emotion.”You can donate to Band In A Box at GoFundMe.com.WCPO's Josh Bazan first reported this story. 1543

White House officials have told congressional leaders and appropriators that President Donald Trump does not want any additional relief funding sent to Puerto Rico, a congressional leadership aide told CNN on Monday.While there are no talks to cut funds that have already been appropriated, a White House aide said negotiations have focused on keeping Puerto Rico relief funding out of a supplemental spending bill that would fund relief efforts in parts of the south that were ravaged by hurricanes this year.That aide noted Puerto Rican officials haven't yet spent all the money Congress has set aside for them, and said the administration is moving to stop any more money from going to help the island "because they don't need it and will most likely not be able to spend it."Trump's latest positioning on Puerto Rico was first reported by Axios. The White House has been making this known on Capitol Hill for "a while now," the congressional leadership aide said.Trump has previously taken aim at Puerto Rican officials?for their management of the billions in relief funds his administration has appropriated for storm recovery, accusing the island's leaders of spending some of that money for reasons other than hurricane clean-up."The people of Puerto Rico are wonderful but the inept politicians are trying to use the massive and ridiculously high amounts of hurricane/disaster funding to pay off other obligations," Trump tweeted on October 23. "The U.S. will NOT bail out long outstanding & unpaid obligations with hurricane relief money!"More than a month earlier, the President had repeatedly dismissed a widely cited death toll that placed the number of lives lost in Hurricanes Irma and Maria around 3,000 by claiming Democrats had exploited the numbers to make his administration look bad. There has been no evidence to indicate that partisan politics has played a role in the calculation of the death tally, and George Washington University, which conducted the study to calculate the death toll, released a statement at the time that said it stands by its work.Talks over stopping future funding for Puerto Rico come as lawmakers look to avoid a government shutdown when temporary spending bills expire in early December. The funding fight could be the last of Trump's presidency waged by a Republican-controlled Congress, as Democrats have an incoming majority in the House.The White House did not immediately respond to a request for comment. A spokesman for Puerto Rican Gov. Ricardo Rossello could also not be reached for comment.In October, the government of Puerto Rico rolled out a five-year economic blueprint that included billion in federal hurricane recovery relief. The plan was approved by a federal control board, which oversees the island's finances. The board's executive director Natalie Jaresko said at the time the funds would not be budgeted for debt payments, but rather to help stimulate the economy.In February, Puerto Rico received billion in federal aid under a disaster relief package signed by Trump.The funding for the devastated island was part of a billion package agreed upon by Senate leaders as part a two-year budget deal to avert a government shutdown. The relief deal covered a number of major disasters across the US, including Hurricanes Maria, Irma and Harvey, and wildfires in California.Puerto Rico had estimated it would need billion to rebuild the devastated island after two destructive hurricanes hit, shredding its power grid and infrastructure. 3555

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