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A federal court judge in California on Monday ordered the US government to make immediate changes to how it treats undocumented immigrant children it has placed in secure facilities.The court's orders ranged from very specific demands, such as to get informed consent or a court order before giving children psychotropic medications at the Shiloh Treatment Center in Texas, to sweeping orders requiring the government to stop imposing conditions that have led to months of delays before it releases minors to parents or relatives.CNN previously reported on the wide-ranging abuses at Shiloh and other facilities described by children in sworn declaration in the case that led to Monday's order. These included cases of children being forcibly medicated, assaulted, and restrained for long periods of time, among other allegations. 838

A low credit score doesn’t have to stand in your way if you want to get a personal loan to cover an emergency or consolidate your debts.Borrowers with bad credit, which is a FICO score below 630, may need to put in some extra work to qualify for a personal loan. But taking these steps can not only help you get approved, they could also get you a cheaper interest rate.Clean up your credit, shrink your debtBefore you apply for a personal loan, get a copy of your credit report to see what the lender will see on it, says Adrienne Ross, a Washington-based certified financial planner. You can get one free copy of your report from all three major credit bureaus at annualcreditreport.com.The details on your credit report can show you why your score is low and signal how to address the issues before a lender sees it.For example, a past-due account is likely a red flag to a lender, but you’ll have a better chance of qualifying if you can spot it and make the payment before you apply, Ross says.Lenders also consider the percentage of your monthly income that goes toward debt payments, called your debt-to-income ratio. You’ll need a DTI below 50% to qualify with most lenders, and lower is often better.If you don’t urgently need the loan, pay down debt before you apply, Ross says. Not only will lower outstanding balances reduce your DTI, they will also lower your credit utilization, which is the amount of your available credit you use and a main factor in your credit score calculation.Add a co-signer or collateralA quicker solution may be to choose a lender that allows you to add a co-signer. A willing friend or family member with good credit and strong income can help you get approved, says Thomas Rindahl, a CFP with TruWest Wealth Management Services in Arizona.Tread lightly with co-signed loans, he says, because the person you add to your application will be required to pay the loan if you can’t.Some lenders may also offer secured personal loans that require you to pledge something you own such as a vehicle or savings account, he says. Borrowers with fair or bad credit may have a better chance of qualifying and getting better rates with a secured loan, but the lender can seize the collateral if you don’t make your payments.Make a repayment planChoose a lender that reports your loan payments to the credit bureaus, as this can help you build credit, Ross says. This means the next time you borrow money or apply for a credit card, you could get a lower rate.But because lenders report both on-time and missed payments, your ability to make them will determine if your credit improves or worsens.Be prepared to ask questions about rates, terms and extra fees so you understand exactly what you’ll owe each month and when you’ll owe it, Ross says. Knowing that will help you make a plan to manage your payments.Even with a solid payment plan, you could end up late on one or two payments along the way. Since lenders don’t immediately report late payments to the credit bureaus, Ross says, make the payment as quickly as possible to avoid the hit to your credit.Compare lendersComparing offers from online lenders, banks and credit unions can help you find the best rate and features for your situation.Some online lenders offer personal loans specifically for borrowers with low credit scores. Look for reputable lenders that cap their annual percentage rates at 36%, which consumer advocates and financial experts say is the highest rate an affordable loan can have.Bad-credit borrowers will likely qualify for rates close to a reputable lender’s rate cap, but nowhere near the 300% or higher APRs that payday lenders offer.Online lenders may also let you pre-qualify with a soft credit check, allowing you to see what rate and loan amount you could get without hurting your credit score. Many banks and credit unions require borrowers to formally apply to see their offer, triggering a hard check that can cause a temporary dip in your score. Some online lenders can also fund a loan the same or next day, while a bank could take a week or more.On the other hand, your community bank or credit union may be more willing to consider the circumstances if a recent misunderstanding or years-old issue is keeping your credit score down, Rindahl says.“An online lender might have competitive rates, and it might be easy because you can do your application at home, but if you don’t fit their algorithm, you don’t fit their algorithm,” he says. “Your local institution, whether it’s a credit union or bank, is much more likely to look at the person as a whole,” he says.More From NerdWallet4 Steps to Pre-Qualify for a Personal LoanBoost Your Chances of Getting Your Personal Loan ApprovedHow to Get a Personal Loan in a COVID-19 EconomyAnnie Millerbernd is a writer at NerdWallet. Email: amillerbernd@nerdwallet.com. 4850

A large colony of bees was found inside the attic of a home in Pennsylvania after honey dripped down the walls. Detail added by homeowner. 147

A Florida man was arrested after police say he left his 19-month-old daughter outside overnight during Hurricane Irma.Angelo Mitchell, 36, of Jasper, Florida, faces a charge of child cruelty related to the Sunday incident.According to Tallahassee's WCTV, the girl's mother called police Monday morning, telling them Mitchell had taken their daughter away the night before and when she saw him again on Monday, the girl wasn't with him.Police searched the area for the girl but were unable to find her. Mitchell allegedly denied ever taking her, telling officers she was probably with a family friend, according to WCTV.At about 11:30 a.m. local time on Monday, someone found the girl in the yard of a house about 500 yards away.Police said the girl's skin had turned purple after she'd spent the entire night outside during the storm being battered by wind and rain. The girl also had scratches and bug bites on her body, according to WCTV. She was hospitalized for a day before being able to go back home.Mitchell appeared to be "under the influence of something," police reported, according to Tallahassee's WTXL.Clint Davis is a reporter for the Scripps National Desk. Follow him on Twitter @MrClintDavis. Keep up to date with the latest news by following @ScrippsNational on Twitter. 1300

A federal judge ruled that Detroit police officers cannot use batons, shields, gas or bullets against protesters for at least the next two weeks.U.S. District Court Judge Laurie Michelson issued a ruling Friday night partially granting a temporary restraining order in the lawsuit filed by activist group Detroit Will Breathe against the City of Detroit and Detroit Police Department.In the order, Michelson ruled that the city cannot use "striking weapons, chemical agents, or rubber bullets" against the protesters who do not pose a physical threat to the safety of the public or the police. Officers also cannot use chokeholds against the protesters."The Court recognizes that police officers are often faced with dangerous and rapidly evolving situations while trying to enforce the law and maintain the safety of the public. And it is important that police officers have non-lethal options to use to protect themselves and the public when necessary," Michelson wrote. "And any possible benefit police officers could gain from deploying chemical agents, projectiles, or striking weapons against demonstrators who pose no threat and are not resisting lawful commands is outweighed by the irreparable harm peaceful protestors would face."Michelson ruled in part that police officers using excessive force does violate the protesters First and Fourth Amendment rights.Citing different videos as evidence, Michelson wrote it "establishes that at least some Plaintiffs have a likelihood of success on their claims that the DPD used excessive force against them."This article was written by WXYZ. 1602