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 Retirement savings are typically protected in bankruptcy, but money already withdrawn cannot be recovered.Co-signing a loan: Aaron Smith, a financial planner in Glen Allen, Virginia, says co-signing so a friend or relative can get credit is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

Several U.S. airlines are boosting their flight schedules ahead of the Thanksgiving in anticipation of a surge in travelers flying during the holiday amid the coronavirus pandemic.An American Airlines spokesperson told FOX Business that they plan to increase its flights from Nov. 24-25 and Nov. 28-30 by 15%, bumping up from an average of 3,500 flights per day to more than 4,000 flights over the holiday.United Airlines said that they would boost capacity, with the carrier predicting Thanksgiving week will be its busiest since March, so they are planning to add more than 1,400 domestic flights that week.The carrier added that they'd "swap in larger aircraft" to accommodate any last-minute travel demands.In December, United said it'll add more than 140 daily flights and increase capacity on more than 350 routes as passengers look to travel during the holidays that month.JetBlue and Delta Airlines are also adding more flights in anticipation of passengers traveling during the Thanksgiving holiday.JetBlue said 25 flights from New York City and surrounding areas to Florida, California, and in the Caribbean, such as Port-au-Prince, San Juan, Santiago, and Santo Domingo, will be added between Nov. 20 and Nov. 30.Meanwhile, Delta said it'll increase to over 3,800 peak-day flights per day during Thanksgiving.Delta said it'll increase service to leisure destinations in Hawaii, Mexico, and Florida. 1417

SPRING HILL, Fla. -- A Florida mother was arrested on Wednesday after deputies say she left her 3-year-old son home alone while she went out drinking. Hernando County deputies responded a home in Spring Hill after receiving a tip that a child was at the home without supervision. Deputies attempted to contact the 3-year-old boy around 2 a.m. on Wednesday. When deputies arrived they saw Kristen Broker, 27, being dropped off at the home. The deputy asked Broker if she knew the child. Broker told the deputy that he was her son. The deputy then asked if she knew whether or not the child was in the home alone.Deputies say that Broker told them that she knew the child was home alone. She told them that he was sleeping inside.Deputies found the young boy awake inside the home. He was in a queen sized bed with no guardrails, according to HCSO. "[The boy] appeared to be scared as to where his mother was," HCSO wrote in a press release.Deputies say that the only other adult who lives at the home was Broker's boyfriend, who was at work.Broker told deputies that she was at a local bar. Deputies say she appeared to be extremely intoxicated. She told deputies that she had been drinking since 1 p.m. on Tuesday, according to HCSO.Broker said she had consumed some rum and cokes and some beers, according to HCSO. Deputies say that she claimed she was only gone for "30 minutes," and that her son was asleep when she left.The child was clearly awake when deputies arrived at the home.Deputies say that Broker appeared almostBroker didn't appear to think it was an issue to leave her child home for any amount of time, according to the arrest affidavit.Broker was arrested on one count of child neglect, booked into the Hernando County Jail under a ,000 bond. The child was turned over to the father's care.Mary Stringini is a digital reporter for ABC Action News. Follow her on Twitter @MaryWFTS. 1983

Senate Majority Leader Mitch McConnell cut a deal with Democratic leaders in the upper chamber to clear a slate of President Donald Trump's nominees, one of the top August priorities for the Kentucky Republican.The deal, which permitted 11 nominees to be cleared immediately and another eight to be voted on next week, also will allow senators who missed most of their August recess to go home for a couple of days before many come back at the end of the week to say farewell to their colleague Sen. John McCain, who died last Saturday.McConnell had canceled the August recess after being pushed by restive conservatives in his caucus to stay in session to approve Trump's picks and make progress on oft-delayed spending bills.Many senators hoped the threat would be short-lived but after liberal Democrats bottled up the nominees and refused to relent, McConnell was forced to take time-consuming procedural steps to overcome the filibusters.There is little the minority Democrats can do on their own to stop the nominees, because only a simple majority is needed for them to be confirmed. But Democrats were able to delay OK'ing some of the nominees at least until next week.Democrats insisted on roll call votes for some of the picks, including Richard Clarida -- to be vice chairman of the Federal Reserve Board -- who was confirmed 69-26, and Joseph Hunt -- to be assistant attorney general for the Civil Division of the Department of Justice -- who was confirmed 72-23.The Senate approved several judges by voice votes, a speedier tool when nominees are not considered controversial.One of those judges was Terry Moorer, who was appointed by Trump to be a US district judge in Alabama's Southern District about a year ago.In a statement, Sen. Richard Shelby, an Alabama Republican, praised Moorer's dedication to the Constitution and accused Democrats of "historic obstruction" of Trump's judicial nominees. 1921

SOLANA BEACH, Calif. (KGTV) - Lifeguards in Solana Beach have taped off an area near Fletcher Cove after a series of small bluff collapses. Video of the crumbling cliff was captured on camera Sunday afternoon. Chunks of the sandstone tumbled about 75 feet down to the beach. No one was injured but signs were still up warning beachgoers to stay away from the unstable bluffs. 383

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