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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 brutal attack on a McDonald's drive-thru worker in Michigan has the victim speaking out against her attacker."He drove up and I opened the window halfway to take his money. He shot me with a paintball gun and drove off," the victim said. She also recalls that the customer's weapon closely resembled a real handgun. The entire terrifying ordeal still has her in shock."It wasn't like I was being nasty or anything. I just took his order and he wasn't satisfied with the answer he had got," she says. It happened at 1:30 am, at McDonald's in Dearborn, Michigan at Michigan and Gulley.The shooter is described as a black male in his 30s, heavy set with a hat, driving a late model black colored Ford Crown Victoria. The victim is expected to make a full recovery. However, she hasn't decided if she'll return to work at McDonald's.  870

A genetic analysis of COVID-19 patients suggests that blood type might influence whether someone develops severe disease.Scientists who compared the genes of thousands of patients in Europe found that those who had Type A blood were more likely to have severe disease while those with Type O were less likely.Wednesday’s report in the New England Journal of Medicine does not prove a blood type connection, but it does confirm a previous report from China of such a link.“Most of us discounted it because it was a very crude study,” Dr. Parameswar Hari, a blood specialist at the Medical College of Wisconsin, said of the report from China. With the new work, “now I believe it,” he said. “It could be very important.”Other scientists urged caution.The evidence of a role for blood type is “tentative ... it isn’t enough of a signal to be sure,” said Dr. Eric Topol, head of the Scripps Research Translational Institute in San Diego.The study, involving scientists in Italy, Spain, Denmark, Germany and other countries, compared about 2,000 patients with severe COVID-19 to several thousand other people who were healthy or who had only mild or no symptoms. Researchers tied variations in six genes to the likelihood of severe disease, including some that could have a role in how vulnerable people are to the virus. They also tied blood groups to possible risk.Most genetic studies like this are much larger, so it would be important to see if other scientists can look at other groups of patients to see if they find the same links, Topol said.Many researchers have been hunting for clues as to why some people infected with the coronavirus get very ill and others, less so. Being older or male seems to increase risk, and scientists have been looking at genes as another possible “host factor” that influences disease severity.There are four main blood types — A, B, AB and O — and “it’s determined by proteins on the surface of your red blood cells,” said Dr. Mary Horowitz, scientific chief at the Center for International Blood and Marrow Transplant Research.People with Type O are better able to recognize certain proteins as foreign, and that may extend to proteins on virus surfaces, Hari explained.During the SARS outbreak, which was caused by a genetic cousin of the coronavirus causing the current pandemic, “it was noted that people with O blood type were less likely to get severe disease,” he said.Blood type also has been tied to susceptibility to some other infectious diseases, including cholera, recurrent urinary tract infections from E. coli, and a bug called H. pylori that can cause ulcers and stomach cancer, said Dr. David Valle, director of the Institute of Genetic Medicine at Johns Hopkins University.Bottom line: “It’s a provocative study. It’s in my view well worth publishing and getting out there,” but it needs verification in more patients, Valle said.___The Associated Press Health and Science Department receives support from the Howard Hughes Medical Institute’s Department of Science Education. The AP is solely responsible for all content. 3086

A large sports complex that was being used to shelter more than 5,000 migrants in Tijuana has been closed "due to health issues," according to Mexican officials.Pictures posted to the Facebook page of the Tijuana mayor's office showed officials with face masks cordoning off the entrance of the Benito Juarez Sports Complex on Friday.The complex, which had become Tijuana's main facility for sheltering migrants trying to reach the US border, was closed "due to the poor sanitary conditions," a statement from the office of Tijuana's mayor, Juan Manuel Gastélum read.CNN crews visiting the complex last week found squalid conditions, including open sewage drains.Rodolfo Olimpo, a representative from Baja California state's Special Committee on Migration Issues, told CNN last week the complex was more than three times over its capacity.Since Thursday, Mexican officials have been transferring migrants from the complex to a new shelter that is further away from the border in the eastern part of the city in an area known as El Barretal.Most of the migrants staying at the complex had left as of Sunday, but CNN crews there observed several dozen migrants staying in tents outside the gate. 1201

A derecho, wildfires, and two hurricanes combined to cause massive economic losses throughout the US.According to Aon, the storms and West Coast wildfires caused billion in economic damage at a minimum.Hurricane Laura, which struck Louisiana as a Category 4 hurricane, caused the most damage at least billion in losses. Another tropical system, Hurricane Isaias, caused at least billion in economic losses.Last month’s major derecho that struck the Midwest, especially Iowa, was responsible for billion in damages.Wildfires in the west began to spread in August, causing at least billion in damages during the month. Those figures are expected to jump as the fires have grown in the first 11 days of September.“North America and Asia endured another impactful month of weather disasters in August,” Steve Bowen, director and meteorologist on the Impact Forecasting team at Aon, said. “Tropical cyclones, severe convective storms, and wildfires all left numerous financial and humanitarian challenges in their wake as the globe continues to deal with implications stemming from the COVID-19 pandemic. The focus for re/insurers went beyond just tropical cyclone activity, however, as a historic derecho in the United States left a multi-billion-dollar insurance pay-out to property and agribusiness owners, and early season wildfires destroyed thousands of structures across California.” 1410

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