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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

Duke superstar freshman Zion Williamson surprised no one on Monday by announcing that he will forego college for this summer's NBA Draft. With his announcement, Williamson is expected to be drafted first in this year's draft, no matter which team gets the No. 1 selection. The NBA Draft Lottery will be held next month, and with it, the opportunity to land the most coveted prospect since LeBron James. The New York Knicks, Cleveland Cavs and Phoenix Suns equally have the best chance of landing Williamson at 14 percent. All other teams that did not make this year's NBA Playoffs are also in the lottery for the No. 1 selection. Williamson, who helped lead Duke to a spot in this year's Elite Eight, average 23 points and nine rebounds a game. Unlike Williamson, James was able to bypass college and go directly to the NBA after high school. Since then the NBA has implemented a rule that essentially bars players from coming straight out of high school. While his freshman year was a success, Williamson's shoes became a national story -- one that might have cost Nike millions of dollars. During a nationally televised game versus North Carolina, Williamson blew out his shoe, causing an injury which sidelined him for five games. In a video announcing his decision, Williamson thanked Duke and called the last year the greatest year of his life. 1363

CLEVELAND, Ohio —Julianne Moore says she doesn't feel like a hero. She was only following what her parents taught her when she saved her 6-year-old brother from the clutches of a possible kidnapper.Julianne said that a man tried to grab her brother in the early evening hours May 23 while they were playing in the front yard of the their Cleveland home. Julianne said the man grabbed her brother's arm, and she managed to her pull her brother away from him.“He grabbed him like this, so I just grabbed him and started carrying him into the backyard,” Julianne said. The 11-year-old girl immediately alerted her father, Joshua Moore, who ran down the street and confronted the suspect."He was about five houses down, and I said, 'Hey, did you touch my kids?' He just threw his arms at me and just continued walking,” Moore said. "My daughter and I gave a full description to police, and just 10 minutes later they had him in custody. They did a great job."Police arrested 33-year-old Pedro Luyando of Cleveland half a mile from the scene. He is charged with abduction.Moore said he taught his children to use the buddy system when playing in the front yard and is proud of how his daughter took action.“She’s my hero. She saved my son," Moore said. "I told everyone, I truly believe my son wouldn’t be here today if it wasn’t for her.” 1347

Facebook CEO Mark Zuckerberg sought to recast the challenges facing his company in a historical light on Thursday, describing social media as a kind of "Fifth Estate" and describing politicians' calls to clamp down on tech companies as an effort to restrict the freedom of expression.In a speech citing landmark Supreme Court cases and historical figures such as Frederick Douglass, Zuckerberg told an audience at Georgetown University that during times of social upheaval, policymakers have instinctively sought to limit the freedom of speech."The impulse is to pull back from free expression," he said. But, he continued, "We are at a crossroads. We can either stand for free expression ... or we can decide the cost is simply too great. We must continue to stand for free expression."Zuckerberg had 814

Even with businesses starting to reopen, we're getting a better picture of not just who is still out of work but how much money was lost.About .3 trillion is estimated to be lost by American workers, according to the Society of Human Resource Management (SHRM) and Oxford Economics. That includes people who still have their jobs but may have been furloughed or had pay cuts.The estimates are that only between 11 and 20% of communities will have employment return to what it used to be.“Employers don’t have to respond to a generalized since of fear, so if you say I’m just not comfortable until there is a vaccine or I’m just not comfortable until you can give me certainty, what we're learning is they don’t have to do that and many of them won’t do that and I would just caution employees to realize that we are now for good or for bad in a buyer’s market,” said Johnny Taylor, Jr., the president and CEO of SHRM. SHRM found only 31% of employees said they were more productive working remotely, while 69% said they were less productive or the same.The group cautions employees about demanding remote work.“I’ve encouraged CEOs who've called me. You just have to be true to what your culture is. It is ok to say to an employee even if you are more productive at home, I want as senior management our culture to be more of a face to face one,” said Taylor.OSHA already requires companies to provide safe workplaces, and that includes new guidance about the coronavirus. 1486