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As the pandemic hits the economy hard, lenders and credit card issuers are offering payment modification programs such as forbearance and deferrals.The coronavirus relief package enacted March 27 requires that accounts that were in good standing before modification be reported as current as long as the consumer abides by the agreement.But for many consumers with federal student loans, relief over a 6-month automatic pause on payments turned into dismay as credit scores plummeted. Consumers complained on social media that their accounts were wrongly reported as delinquent or in non-payment status.That’s not how it was supposed to work, says credit expert John Ulzheimer, who has worked for credit bureau Equifax and scoring company FICO. He says student loan servicers are working to address problems, and he hasn’t heard of similar issues involving other types of lenders or credit card issuers.If your credit score drops, here’s how to diagnose what’s going on and what to do next.First, check your credit reportsWhether you have payment modifications or not, it’s a good idea to regularly check that your credit activity is being reported correctly.Through April 2021, consumers can access free credit reports weekly from each of the three major credit bureaus — Equifax, Experian and TransUnion — by 1323
As Tropical Depression Imelda slowly makes its way through East Texas, some towns remain at a standstill as residents fear the rainfall will lead to flash flooding.John Clinton worried Wednesday that new flood doors he installed at his Galveston home would be put to test. He and his wife recently moved back into the home after it was heavily damaged during Hurricane Harvey in 2017."After an experience like that, every time you heard about harsh weather coming up from the tropics it's not a fun thing," Clinton told CNN.In parts of the Houston area, drivers became stranded when water filled the streets Wednesday. Many schools, government offices and businesses closed for the day but no major incidents were reported, city officials said.Imelda is threatening to bring more than 12 inches of rain to Houston by the time the storm ends -- which would be the highest amount for one storm since 910
Brian Cisco isn’t looking for sympathy. But as he prepares to spend time behind bars, Cisco opens up, sharing his story on how he got here.Life these days for Cisco is about enjoying every single second, because soon, he’ll be behind bars. "I'm about to go turn myself in to the correctional facility in Forrest City, Arkansas for two years," he says. The FBI caught Cisco growing a lot of weed inside his house and charged him with planning to sell it. Now, he only has 12 more days to savor his freedom, before nearly everything he's used to takes a 180-degree spin. Cisco says he's come to terms with what he did, but he worries about leaving his fiancé, Susie. "At first, I think neither one of us really realized that, you know, prison was going to happen,” Cisco says. Cisco hired a former federal prisoner turned prison coach to help him learn the ropes. “I started kind of looking online, you know, trying to find some sort of resource, something to help me understand what I was going through, what was going to happen,” Cisco says. After finding the prison coach, Justin, on YouTube, Cisco paid ,000 for the coach’s help. He learned everything from how to act, how to avoid the TV room, because that's where fights can break out, and how to avoid getting too friendly with corrections officers so that other inmates don’t consider you a snitch. “My routine will be, like, lay low, stay under the radar,” Cisco says. While in prison, Cisco says he plans to focus on the simple things. “One thing Justin helped me understand and recognize is that there is an end date to this,” Cisco says.As his day to report to prison gets closer, Cisco says he'll head there better prepared and ready to become a better person and an even better husband to Susie. 1776
An audio copy of a 911 call made by a woman following the Molson Coors mass shooting was made public through an open records request Friday. The phone call lasted just over a minute. It was made by a woman who was worried about her husband and others on the brewery's campus.The call happened during some of the aftermath of a shooting police say was executed by Anthony Ferrill, 51. Ferrill was a longtime electrician of the company who police say shot and killed five others before turning the gun on himself.The victims, ranged in ages from 33 to 61, marking a dark day in Milwaukee's rich history. 613
As computers, tablets and cellphones have become a growing part of our lives, the exposure to blue light emitted from these devices increases. While blue light exposure has been known to cause strain in eyes, Oregon State University researchers studied the effect of blue light exposure on aging. Based on to their findings, exposure to blue light could cause aging to accelerate. For their study, researchers used common fruit flies and exposed them to 12 hours of blue LED light and 12 hours of darkness. To compare, researchers kept a group of flies in total darkness, as well as a group of flies that were exposed to light that had the blue wavelengths filtered out. The researchers said they chose fruit flies because their cellular and developmental mechanisms are similar to humans.The researchers said that flies exposed to blue LED light sustained damage to their retinal cells and brain neurons and had impaired locomotion. Even more stunning, some of the flies, which exhibited some brain damage, were mutants that did not develop eyes."The fact that the light was accelerating aging in the flies was very surprising to us at first,” said Jaga Giebultowicz, a professor of integrative biology at Oregon State. “We’d measured expression of some genes in old flies, and found that stress-response, protective genes were expressed if flies were kept in light. "We hypothesized that light was regulating those genes. Then we started asking, 'what is it in the light that is harmful to them,' and we looked at the spectrum of light. It was very clear cut that although light without blue slightly shortened their lifespan, just blue light alone shortened their lifespan very dramatically.” 1708