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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 Retirement savings are typically protected in bankruptcy, but money already withdrawn cannot be recovered.Co-signing a loan: Aaron Smith, a financial planner in Glen Allen, Virginia, says co-signing so a friend or relative can get credit is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

Special counsel Robert Mueller's team said Friday that former Trump campaign chairman Paul Manafort lied on five major issues after agreeing to cooperate with prosecutors, including his "contact with administration officials."In a heavily-redacted document released Friday, Mueller's team also said Manafort lied about his interactions with Konstantin Kilimnik, his Russian associate who Mueller has said has ties to the Russian military intelligence unit accused of hacking the Democrats, and how they may have worked together to tampered with witnesses following Manafort's arrest last year.The investigators say they have evidence about electronic communications related to Kilimnik and travel records. Much of the details the prosecutors released to the court Friday were redacted in the public version of the document.The special counsel believes Manafort also lied about a wire transfer made to a firm he had hired and "information pertinent to another Department of Justice investigation."The special counsel's office last week accused Manafort of lying during his interviews, saying that his actions during his cooperation were criminal and breached his plea agreement.The filing is the first time prosecutors have summarized why and how they believe Manafort breached his plea agreement. Previously, the prosecutors simply told a federal judge Manafort "committed federal crimes by lying" to the FBI and special counsel's office during his cooperation interviews "on a variety of subject matters."Manafort says he has been truthful over several meetings with the special counsel's office. His lawyers indicated last week that they may challenge the assertion that he lied. 1689

ST. PETERSBURG, Fla. — Governor Ron DeSantis announced Florida will enter Phase 3 of reopening the state's economy.Effective immediately, Gov. DeSantis announced Friday in his press conference in St. Petersburg that restaurants and select businesses can operate at full capacity.Phase 3 of Gov. DeSantis' "SAFE. SMART. STEP-BY-STEP PLAN" ensures Floridians that restaurants can reopen at a minimum 50% capacity if the local government prohibits them from reopening at full capacity.“Everybody has an opportunity and the right to work. Every business has the right to operate,” said Gov. DeSantis said.With Phase 3, Gov. DeSantis said he will no longer place limitations on businesses due to coronavirus concerns."There will not be limitations from the state of Florida," Gov. DeSantis said.The Florida Restaurant and Lodging Association (FRLA) President and CEO Carol Dover said the pandemic has caused 336,000 people in the industry to lose their jobs.“The effects on the local and state economy have been significant. I want to thank Governor DeSantis and DBPR Secretary Halsey Beshears for their support as we have navigated this unprecedented time and for allowing us the opportunity to get back to work,” Dover said in a press release.The announcement comes just days after bars and breweries were allowed to reopen in Florida.Florida's top business regulator Halsey Beshears announced just 15 days ago that the state is rescinding Executive Order 20-09. The executive order, issued earlier in the summer, suspended bars from serving alcohol on their premises.Gov. DeSantis said if the local government wants to keep businesses from reopening at a minimum of 50% capacity, they must make their case to the state on why they want to place the restrictions and identify the costs involved.Gov. DeSantis also announced on Friday that he’s suspending all fines and penalties against people accused of not wearing masks.FRLA is expected to unveil Gov. DeSantis' executive order on rolling out Phase 3 sometime Friday night.This story was first reported by KJ Hiramoto at WFTS in Tampa, Florida. 2102

Sprint and T-Mobile's have abandoned discussions about a potential merger.The companies issued a joint statement Saturday, after a week of speculation, saying they "have ceased talks.""While we couldn't reach an agreement to combine our companies, we certainly recognize the benefits of scale through a potential combination. However, we have agreed that it is best to move forward on our own," said Marcelo Claure, Sprint's CEO.T-Mobile CEO John Legere also said there were benefits to consolidating, but added that, "we have been clear all along that a deal with anyone will have to result in superior long-term value for T-Mobile's shareholders."Shares of Sprint and T-Mobile tumbled Monday after rumors emerged that merger talks between the two companies were fizzling.On Monday it looked as if SoftBank, the Japanese conglomerate with a majority stake in Sprint, would end negotiations because of concerns about the ownership structure of the combined business, according to reports from Nikkei and The Wall Street Journal. Claure, the Sprint CEO, is also a member of SoftBank's board .Exactly what issue ultimately severed the talks was not immediately clear Saturday. Neither Sprint nor T-Mobile immediately replied to requests for comment by CNNMoney.This is the second time the mobile carriers have attempted to join forces and failed.Sprint and T-Mobile previously discussed a merger in 2014 but scrapped it because of concerns about regulatory challenges from the Obama administration.Related: Sprint owner says 'door is open' to mergers under TrumpThe companies expected to have a better shot at the merger this year under the Trump administration.SoftBank CEO Masayoshi Son said in May that the Obama administration was "quite tough on business," and added "the door is open" for potential mergers with the new administration.Son met with Trump the month before he took office to talk up an investment in U.S. businesses. The investment ignited speculation about Son and SoftBank trying to revive merger talks.A few weeks later, Legere said he was open to "various forms of consolidation" when asked about a potential merger with Sprint and SoftBank under the Trump administration. 2202

Senate Majority Leader Mitch McConnell and other Republicans say Roy Moore, the Republican nominee in Alabama for a Senate seat, should step aside if an explosive Washington Post report that accuses him of engaging in sexual conduct with underage women is true."If these allegations are true, he must step aside," McConnell said in a statement.GOP Sen. Susan Collins tweeted, "If there is any truth at all to these horrific allegations, Roy Moore should immediately step aside as a Senate candidate."  514

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