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Some credit mistakes are a lot worse than others. Little ones, like paying a credit card bill a day late, may cost you a penalty fee, but that’s a relatively minor irritation — it’s not going to stand between you and a mortgage. Other seemingly small slip-ups can lead to full-fledged disasters.What makes a credit mistake haunt you?Some things can be reversed quickly. Running up credit card bills can tank your credit score, for instance, because the portion of your credit limits you’re usingis weighed heavily in credit scoring. But when you pay down the debt, the damage disappears as lower balances get reported to the three major credit bureaus, Equifax, Experian and TransUnion.Mistakes that have long-running ripple effects hurt the most, says credit expert John Ulzheimer. A late payment, for example, can get sent to a collection agency, then perhaps grow into a repossession or bankruptcy. Those batter your credit and stay on your credit record for years. Likewise, co-signing a loan for someone who is later unable to pay can hamstring your finances for a long time.Common mistakes that can hurt your financesMissing a payment: A payment that’s a little late might cost you a penalty fee, but your credit score won’t suffer because creditors can’t report your account as delinquent until it’s 30 days past due. If you have a high score, going 30 days late can knock as much as 100 points off your score — and it stays on your credit report for seven years. The damage gets worse if you let the account slide to 60 days past due, 90 days past due or more. Your score can recover, but it will take time. Catching up on that account, and keeping all other payments up to date and balances low, can help.Raiding retirement funds to pay debt: Most people don’t want to file for bankruptcy. Almost half of Americans say they would not file no matter how much credit card debt they had, according to a recent study commissioned by NerdWallet. Bankruptcy attorney Roderick H. Martin of Marietta, Georgia, says some of his clients have tapped — or even emptied — retirement savings in a desperate attempt to stay afloat. That often just delays the inevitable — “then they turn around and file for bankruptcy,” he says. Retirement savings are typically protected in bankruptcy, but money already withdrawn cannot be recovered.Co-signing a loan: Aaron Smith, a financial planner in Glen Allen, Virginia, says co-signing so a friend or relative can get credit is often a mistake. “My personal and professional opinion is if they can’t get it on their own, there must be a problem,” he says. If the primary borrower doesn’t pay as agreed, it can leave both your relationship and your credit in tatters. Even if the borrower repays as agreed, remaining on the loan can limit your borrowing capacity. Before you co-sign, ask if you can be taken off the loan at some point.Sometimes doing nothing is the mistakeWe may think we’re too busy to trouble ourselves with fine print or financial chores. Either can come back to bite us.Not checking your credit: “I think checking your credit is like going to your dentist for a cleaning,” says Elaine King, a certified financial planner and founder of the Family and Money Matters Institute. “You need to make a habit of doing it. If you wait too long, there can be some rotten stuff there.”A credit report isn’t exciting reading; it’s a summary of your past handling of credit. But “boring” is what you want — anything you didn’t expect to see is worth investigating in case it’s an error or a sign of fraud. Through April 2021, you can get a free credit report weekly from the three major credit bureaus by using AnnualCreditReport.com. Plan to check at least annually, and more often is better.Ignoring the details: Not knowing your credit cards’ interest rates or when a 0% interest rate ends can cost you.Knowing interest rates can tell you which card to use when you’re paying for a new transmission and need to carry that balance for a while, for instance. Knowing when a teaser rate ends can help you ensure you’ve paid off the balance by then. It’s important to read the fine print. Some cards — primarily store cards — charge deferred interest if there is still a balance at the end of the introductory period. That means the “savings” from the teaser rate are added to your balance, wiping out any benefit.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletSmart Money Podcast: Remote Work Burnout and Saving for CollegeI Refinanced My Mortgage. Here’s What Happened to My Credit ScoreA New Set of Shopping Tips in the PandemicBev O’Shea is a writer at NerdWallet. Email: boshea@nerdwallet.com. Twitter: @BeverlyOShea. 4739

Since she was just a little girl, Connie Moultroup has had the same Christmas wish every year: to meet her biological mother. This week -- after 69 long years -- she finally did, all thanks to a DNA ancestry kit.Genevieve Purinton, now 88, gave birth to Moultroup in 1949 at a hospital in Indiana. When she asked the staff if she could see her baby, they informed her the child had not survived."Because she was an unwed mother, she was told that I had died. She continued with her life not knowing I was still alive," Moultroup told CNN. It was not an uncommon practice at the time, as author Ann Fessler documented in the book "The Girls Who Went Away."Moultroup was taken to an orphanage and later adopted by a couple from Santa Barbara, California. But her adoptive parents passed away a few years later, when she was just 5-years-old."Her adoptive mother died of cancer, and shortly after, her adoptive father was diagnosed with a heart condition," Bonnie Chase, Moultroup's daughter, told CNN.Moultroup's adoptive father remarried, Chase said, but the woman ended up being abusive to her new daughter."So the whole time, she just wanted to find her actual mother to rescue her from that horrible situation," Chase said.After years of searching, Chase decided to give her mother an Ancestry.com DNA testing kit for Christmas last year -- and it ended up changing her life. Moultroup says it was the best Christmas present she has ever received."It took me a while to use it, but when I finally got the results I went from having only three known relatives (a daughter and two grandchildren), to 1,600 relatives. I was floored," Moultroup said.The results led her to a distant cousin. The two connected, and Moultroup began asking her questions about the family tree."I told her my mother's name was Genevieve Purinton, and my cousin said, "Oh, that's my aunt. And she's still alive, living on her own," Moultroup said. "I couldn't believe it. I was going to meet my mother."Moultroup took her mom's information and sent her a card with contact numbers. On September 8, her mother called."I was at church that day, and I never want to leave early, but that day I did. Literally, 20 minutes after getting home, my mother calls," Moultroup said.They agreed to meet each other, and on Monday, the two finally reunited at Purinton's home in a retirement community in Tampa, Florida."I met my mother and my cousin in person, and we cried. It was just a crying fest," Moultroup said. "Not everybody has this kind of outcome when looking for their parents, but I recommend you give it a try, you don't know what will happen."The story doesn't end there, though. In January, Moultroup plans to meet two half-sisters from her father's side."We knew nothing about our family, it was just us three," Chase said. "Now through Ancestry, we see we are related to over 4,000 people."The-CNN-Wire 2892

Snapchat says its mapping technology was "vandalized," early Thursday morning as users noted that New York City had been replaced with an anti-Semitic slur.On Thursday morning, social media users began reporting that Snapchat's map function displayed New York City as "Jewtropolis." Screenshots from other apps like CitiBike and StreetEasy were also displaying the slur in the place of New York City.According to Snapchat, the app's "Snap Map" feature relies on third-party mapping technology built by Mapbox. Snapchat says it's "working" to get the issue fixed immediately."Snap Maps" allows Snapchat users to see where their friends are in the world via GPS services. Snapchat users have the option to turn the tracking feature off.  758

So I’m withdrawing from @ProjectLincoln to devote more time to family matters. And I’ll be taking a Twitter hiatus. Needless to say, I continue to support the Lincoln Project and its mission. Passionately.— George Conway (@gtconway3d) August 24, 2020 258

Senate Majority Leader Mitch McConnell was confronted at a restaurant in Kentucky on Friday, according to CNN affiliate WLKY.According to WLKY, McConnell, a Republican representing Kentucky, was dining at Havana Rumba in Louisville, Kentucky, with his wife, Transportation Secretary Elaine Chao, when a group of men approached the couple."Why don't you get out of here? Why don't you leave the entire country?" one of the men yelled at McConnell, WLKY reported. 469