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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 major hospital system is managing the fallout of what may be the biggest medical cyberattack in U.S. history.United Health Services says its company-wide network is currently offline due to a suspected ransomware attack.Ransomware is when criminals encrypt files and demand money for a key to unlock them again.Experts say hospitals may be more susceptible while fighting the coronavirus.“Medical record and medical care facilities are prime targets, not only because of the high value of the information, but also because of the fact that people are terribly busy,” said Alan Katerinsky, a clinical assistant professor at the University at Buffalo.It's not just hospitals. Cyber-attack attempts are up about five times since the pandemic started.People working from home don't have the same corporate protections that are normally in place in an office. IT workers may also be remote.“It might be more difficult to work from home and notice things that are going on, instead of just being on-site, on the premises, and seeing what's going on, on an ongoing basis,” said Steve Beaty, a professor of computer sciences at MSU Denver.After a ransomware attack, if an organization doesn't pay to get their files back, they still have to pay for the cleanup.The criminal may retaliate by releasing the private information, like what happened to a school district in Las Vegas this week.There's recently been talk of legislation to make it illegal to pay such ransoms, which may help deter criminals.“They've upped their game partially because maybe they're seeing that there is going to be a limited amount of time this is actually going to work, at least in some jurisdictions,” said Beaty.Cyber criminals often get in through phishing emails, so training to recognize harmful links may help.Companies can also run tests to see if there are vulnerabilities in their systems, but that's more expensive.It's also important for remote workers to use a VPN for privacy. 1971

A man shot several times by police in Kenosha, Wisconsin is still fighting for his life while undergoing surgical procedures. Bullets severed Jacob Blake Jr.’s spinal cord and shattered at least one vertebrae and he is paralyzed from the waist down. According to his attorney Benjamin Crump “it will take a miracle” for Blake to walk again.Blake was shot at least seven times by Kenosha, Wisconsin police just after 5 p.m. Sunday. Officers were responding to the area for a reported "domestic incident."Officers did not say what led up to the shooting, but video shot by a neighbor shows Blake walking to an SUV and attempting to enter it moments before an officer grabs him by the shirt and shoots him.Blake’s three young boys were in the car at the time. His family says Blake’s eight-year-old son was celebrating his birthday over the weekend. “Think of that son, and what he will be thinking about every time he celebrates his birthday,” Crump said.“They shot my son, seven times, seven times. Like he didn’t matter. He matters. He’s a human being, and he matters,” said Blake’s father, Jacob Blake Sr., becoming emotional Tuesday afternoon.Blake is conscious and was able to talk to his mother when she visited him in the hospital.“I don’t think he knows about all this, he doesn’t know what happened. He opened his eyes and started to cry. He started to apologize,” I asked him why, and he didn’t know what happened.As she started to pray, Blake asked the officer in the room if he was a man of faith, “he said yes, in short, and he (Blake) asked him to pray with us,” Jackson recalled from visiting her son in the hospital.Blake has holes in his stomach from the bullets, and has damage to other internal organs and his arm. His family and attorneys say he has a “long road to recovery” and more surgeries ahead. The family said they are not sure if Blake’s paralysis is permanent.“I am asking everyone, take a moment and examine your heart. Citizens, police officers, firemen, clergy, politicians. Do Jacob justice on this level, and examine your hearts. We need healing,” Blake’s mother, Julia Jackson said.“God did not make one type of tree,” she said, “how dare you ask him to make one type of human that looks just like you. I’m not talking to just caucasian people, I’m talking to everyone. No one is superior to another.”Jackson called for everyone to work together to show the world how humans are supposed to treat each other. “America is great when we behave greatly.”Attorney Crump and co-counsel will bring a civil lawsuit to hold those responsible accountable and to help get Blake and his family resources for his recovery. Blake’s family is represented by Attorney Crump, along with co-counsels Attorney Patrick Salvi and Attorney B’Ivory LaMarr, who call the incident “brutal excessive force.”The attorneys are asking for transparency from the police investigating the incident. They are calling for any available dashcam video and statements from witnesses about what led to the shooting.Protests in Blake's honor happened across the country Monday night, including in Portland, San Diego, New York, Minneapolis, and Denver.Police declared a riot in Portland after fires were set outside of the offices of the police association. In San Diego, at least three protesters were arrested.Locally, anger over Blake's shooting spilled into the streets of Kenosha for a second night Monday. Police again fired tear gas at hundreds of protesters who defied a curfew, threw bottles and shot fireworks at law enforcement guarding the courthouse.Wisconsin Democratic Gov. Tony Evers activated 125 members of the National Guard to assist local law enforcement Monday. 3687

A federal judge on Monday sided with the Standing Rock Sioux Tribe and ordered the Dakota Access pipeline to shut down until more environmental review is done.U.S. District Judge James Boasberg said in April that the pipeline, which has been in operation three years, remains “highly controversial” under federal environmental law, and a more extensive review is necessary than the environmental assessment that was done. In a 24-page order Monday, Boasberg wrote that he was “mindful of the disruption such a shutdown will cause,” but said he had concluded that the pipeline must be shut down.The pipeline was the subject of months of protests, sometimes violent, during its construction near the Standing Rock Sioux Reservation that straddles the North Dakota-South Dakota border.The Standing Rock tribe presses litigation against the pipeline even after it began carrying oil from North Dakota. 905

A man convicted of sexually assaulting a sleeping woman on an overnight flight from Las Vegas to Detroit was sentenced on Thursday to nine years in prison, according to federal prosecutors.Prabhu Ramamoorthy, 35, was convicted in August of sexual abuse onboard an aircraft. Jurors deliberated for less than four hours before returning the guilty verdict.Authorities say that during an Spirit Airlines flight in January, Ramamoorthy put his hand down the pants of the woman sitting next to him and molested her while she slept."The sexual assault woke her up, she found her pants unbuttoned and unzipped, and she sought help from the flight attendants," according to a statement from the US Attorney's Office.Ramamoorthy was taken into custody when the flight landed.His attorneys did not immediately respond to CNN's request for comment on the sentencing."The sentence announced today is proof that the safety and security of all aircraft passengers is a priority for the FBI, our local and federal law enforcement partners, and airline personnel," Timothy R. Slater, the Special Agent in Charge of the FBI's Detroit Division said in a statement. "If you, or someone you know, is the victim of a crime during air travel, immediately notify a flight crew member, airport security police, and the FBI."The government said Ramamoorthy is in the United States on a work visa and that he will be deported after he serves his sentence. The statement did not say what country he is from.It is difficult to determine how often this sort of abuse happens on commercial flights, but FBI investigations into midair sexual assaults have increased by 66% from fiscal year 2014 to 2017. 1690