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Your credit score. It's the magic three-digit number that offers you access to a world of opportunity, like renting a fabulous apartment, or snagging a cheaper rate on a home mortgage or a car loan.Yet one in five Millennials have never even checked their credit score, according to new data by LendEDU, an online marketplace for student loan refinancing.But if you're not planning on making any major purchases, do you really need good credit?Most people are familiar with the notion of presenting your credit score when you lease a car or rent an apartment. But everything from your deposit requirements set by utility companies to the premium you pay for your insurance can be affected by your credit score, according to Jeff Richardson, a credit expert at VantageScore."A low credit score can mean the difference of thousands and thousands of dollars," says Richardson.Here are three ways you may be really mismanaging your credit:1. Getting sloppy with contractsYou're nearing the end of a car or apartment lease, and the end is in sight. But forgetting to pay that final utility bill before moving, or defaulting on your apartment lease, can land your credit score in hot water, says John Ulzheimer, a credit expert at The Ulzheimer Group."Not paying final utility bills is a particularly important to be wary of since young people tend to be more nomadic than older people," he says.You can also end up with a lower credit score by running up excessive mileage on a car lease or failing to pay for damage to an automobile or an apartment."These are the terms that are often overlooked by younger credit users and jump up to bite them in the form of a large lump sum required payment," he says.2. Overdoing it with credit card applicationsIt can be tempting to apply for retail credit cards to save some money on your shopping purchases, but failing to space out applications can temporarily damage your credit score, according to Ulzheimer.He notes that young people should be particularly cautious over the holidays, when many retailers urge people to take advantage of big discounts for holiday sales.Every time you apply, the creditor will run a credit check before they approve you for a new card.Not only are the credit checks a temporary drag on your score, but opening new cards can drag down the average age of your credit history, another factor that weighs on your score."[Retail cards] result in several new credit inquiries and new accounts, and both of those can hurt your credit scores," he says.3. Avoiding credit altogetherThese days, it feels increasingly easier to avoid using credit cards. Apple Pay, Paypal, Venmo and prepaid debit cards have vastly changed the way people make financial transactions."Back in the day there were very little options outside of a general use credit card," says Richardson.Today, however, young people can't even access credit cards until they have proof of income, as a result of the Credit Card Act of 2009. That is causing many people to delay building their credit score -- a mistake that may haunt them as they try to make larger purchases later in life, according to Richardson."Unless you're going to write a check to buy a car or house, you're going to need some sort of credit," he says. "Credit avoidance is simply not credit management." 3329

Pence was in Lemoore, California, south of Fresno, earlier Wednesday, attending a fundraiser and speaking to farmers. He spoke about supporting the families and neighbors affected by the Ridgecrest earthquakes and saying farmers need their voices heard.Pence is expected to 276

— especially those that employers have historically overlooked, like people of color, the disabled and the formerly incarcerated.Markets roared back, but not everyone has benefitedMost American businesses — or at least, those that survived the recession — didn't take long to return to profitability. As a percentage of GDP, after-tax profits have been 354

At 8 years old, the cat ended up at the Baltimore Animal Rescue and Care Shelter, or BARCS, and was diagnosed with hyperthyroidism, which stopped her from being adoptable.Laura Cassiday with Chesapeake Cats and Dogs rescued her and got her thyroid under control, but she found multiple mammary masses during her spay, and things took another downward turn.But Walnut is a fighter and a survivor. She recently underwent a bilateral mastectomy to remove the cancer from her body and prevent it from spreading. She’s not out of the woods yet, and her cancer could always come back, which is why she’s looking for someone who understands what she’s been through."She takes an inexpensive (about a month) pill twice a day to keep her thyroid in check. She’ll eat it right out of her food, no issues! She is an affectionate lap cat and would love nothing more than cuddling the day away with you ... to go through so much and then receive a cancer diagnosis on top of it all would be devastating to almost anyone," Cassiday said. "Walnut has taken it in stride, appreciating every day and living her life to the fullest."Walnut is located in Baltimore and her adoption fee is waived to a fellow cancer survivor."She thinks it would be great to have a partner in life who understands her, so they can cheer each other on ... she’s already unstoppable — imagine how the two of you would be together!" Cassiday added.Cassiday said Walnut would be best as the only animal in her forever home and would do OK with older kids. To learn more about adopting Walnut, 1558

Clifford said he believes that the FDA "cries wolf" too often when it comes to warning about the effects of kratom."For instance, two years ago the FDA claimed 44 deaths (caused by kratom)," he said. "The American Kratom Association was able to obtain the toxicology reports ... they discovered that the people who died had other drugs in their systems, that no one had died from kratom alone."Clifford said he believes the FDA is conflicted by pharmaceutical industry, and pharmaceutical lobbyists don't want the kratom to prosper at the industry's expense. But also said that the kratom industry has been asking the FDA to implement manufacturing guidelines for years in the hopes of keeping customers safe and healthy."We don't want anyone to get sick from Salmonella or E-coli," he said. 797