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A Bradenton, Florida student is calling on her fellow students to participate in a bra boycott or a "bracott" on Monday after she was pulled out of class for not wearing a bra and forced to cover up with band-aids.  228

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 federal judge on Monday dismissed a lawsuit that claimed President Donald Trump illegally benefits from his Washington hotel and that same hotel hurts restaurants that are also near the White House.The lawsuit was brought forward in 2017 by Cork Wine Bar, a restaurant in Washington that said it suffered because lobbyists and other political-minded customers chose to host fundraisers, events and dinners at the Trump International Hotel rather than at its business.But Judge Richard Leon of the DC District Court wrote in his opinion Monday that Cork couldn't claim a competitive disadvantage simply because of a public figure's fame."Cork does not, for example, accuse (the hotel) or President Trump of acting to dissuade potential customers from patronizing Cork or somehow obstructing entry to Cork's location," Leon wrote.If he had ruled in the restaurant's favor, Leon wrote, "I would be foreclosing all manner of prominent people—from pop singers to celebrity chefs to professional athletes—from taking equity in the companies they promote. ... This I cannot do!"While the Trump International Hotel is currently run by a trust administered by the President's family members, it remains at the center of two other major lawsuits that allege Trump has accepted illegal payments through the business.Earlier this month, a federal judge denied Trump's appeal to pause discovery in a lawsuit brought by the governments of Washington, DC, and Maryland that alleges he violated the constitutional clause that prohibits gifts and advantages from foreign and domestic governments.The lawsuit raises the possibility that transactions between the Trump International Hotel and foreign dignitaries could be made public. 1755

A Florida sheriff's office says it was able to identify a murder victim 35 years after he went missing thanks to the victim's custom belt buckle.According to the Pensacola Journal News, officials with the Escambia County Sheriff's Office said they were successfully able to identify the body of William Ernest Thompson 37 years after he went missing.The WKMG-TV in Orlando reports that the body was found Jan. 23, 1985 about 10 miles northwest of downtown Pensacola. Officials suspected that the man had been dead for months, and possibly more than a year before it had been found.For more than three decades, the department could not find a lead in the case. The suspected murder victim was only identified as "John Doe."It wasn't until 2018, when a person searching for a missing relative, stumbled upon the case on the Escambia County Sheriff's Office (ECSO) website. Knowing their relative had last been seen in Escambia County, the person contacted the department.But authorities said they didn't truly have a lead in the case until the relative noticed the victim's belt buckle, which matched the initials of thier uncle, William Thompson."The thing that stuck out to the person the most was the victim's belt buckle with the hand-engraved initials' W.T." Chief Deputy Chip Simmons of the ECSO said in a Facebook post. "The person felt this could have been their missing uncle, whose last known location was in Escambia County near the same time John Doe's body was discovered."The relative said that while he had never been reported missing, no one in their family had spoken to their uncle, William Thompson, since 1983. Officials took a sample of the tipster's DNA, and compared with the DNA of the body. Test results confirmed the body was that of William Thompson.Thompson would have been 49 when his body was found in 1985."This is another example of the never-ending quest for justice,” ECSO Chief Deputy Chip Simmons said in a written statement. “While we haven’t yet solved the homicide, it is a step forward and can give the family some closure until the case is solved.”The case is still open and being investigated as a homicide. 2155

A group of Greyhound passengers were not pleased after their bus left three and a half hours late and then took an unexpected detour on Thursday morning.Passengers said their bus was supposed to leave at 2:30 a.m., but it didn't actually pull away from the bus station until 6 a.m. To make matters worse, once the bus got into Pennsylvania, passengers said it turned around because the driver said there were problems with the bus.But wait, there's more.The bus reportedly missed Cleveland and went all the way to Toledo before the driver realized the error. Toledo is roughly two hours west of Cleveland. Now riders are looking for alternative ways to get to their destinations. One booked a flight and another caught a new bus.Passengers said Greyhound has not been cooperative through this ordeal and hasn't offered them refunds. 860

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