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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

You intended to harm him, but God intended it for good! To accomplish what is now being done, the saving of many lives. You chose to think about yourself that day, what you were feeling and wanted to do to someone else. I’m sad you chose anger and hatred. Something really bad must have happened to you for you to want to do this to a sweet, innocent little boy. I’m sorry for whatever you’ve gone through. I hope God can save you and show you what His love is all about someday….want you to know I forgive you. Not because what you did was okay, not because I want to; but [because] God wants me to. I’m not letting you take any part of our family. You’re not taking our love, our joy, our peace; you’re not taking anything! I refuse to be full of anger and hatred, I refuse to let you take my joy. My sweet, precious baby, my amazing gift from God is going to be okay because Jesus loves him so much and he loves me so much. He answered my prayers and gave him back to me. You get to take nothing from us. You chose to listen to the Devil that day. I don’t get to judge you or hate you. Instead I am full of God’s love and I have overwhelming joy and peace in my body as I sit and watch my boy heal in miraculous ways right in from of my eyes. The whole world is seeing God move in this little boy that I get to call mine. The Devil tried to take him out, but GOD Saves. God ALWAYS wins! God will judge you someday and I have peace with that. I hand it off to him and you will take none of my thoughts EVER again, I am done with you. God, it is all in your hands. 1573

Within twenty minutes of the statue arriving, I was having a conversation with a very kind police officer because someone called to report a homeless man sleeping on a park bench. Within twenty minutes... https://t.co/kyD1vyEd4p— Alex Martin (@ADMartin86) October 12, 2020 280

of more than 145 million people, making it the largest data breach in U.S. history.As part of the lawsuit settlement, the credit service has agreed to pay out up to 0 million.To file a claim, click 203

— one of two step siblings who have been missing since September — is coming forward to share a statement she gave to police about what JJ Lori Vallow-Daybell told her just days before JJ went missing.The woman, who was granted anonymity for this story, shared her statement with the public to give insight into what she learned about 337

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