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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 lock of Abraham Lincoln’s hair, wrapped in a bloodstained telegram about his 1865 assassination, is up for sale. Boston-based RR Auction says bidding has opened online for the items ahead of a live auction scheduled for Sept. 12. Measuring roughly 2 inches long, the bushy lock of hair was removed during Lincoln’s postmortem examination after he was fatally shot at Ford’s Theatre in Washington, D.C., by John Wilkes Booth. The auction house says it was given to Dr. Lyman Beecher Todd, a Kentucky postmaster and a cousin of Mary Todd Lincoln, the 16th president’s widow. 582

A man charged with murder in the Gary, Indiana area remains at large after he escaped from a prisoner transport vehicle on Monday.According to the Chicago Tribune, Leon Taylor, 22, escaped from a vehicle driven by a private contractor when the driver stopped at a McDonald's drive-thru near Gary.Video released by the Lake County (Indiana) Sheriff's Office shows Taylor open the door of the vehicle while it was stopped in the drive-thru. Taylor ran across a busy street as the driver of the vehicle chased him.Taylor was being extradited from Texas to the Lake County Jail in Crown Point, Indiana, by REDI Transport. Initially, the REDI Transport driver told the Lake County Sheriff's Office that Taylor had escaped from the video."After watching this video, I am highly disturbed and disappointed by the procedures the private transportation driver used during the transfer of this suspect to our jail," Lake County Sheriff Oscar Martinez Jr. said in a news release. "I find it appalling that REDI Transports failed to use appropriate caution and may have put the public at risk."Police initially said that Taylor had been wearing a belly chain, handcuffs and a leg brace at the time of his escape. However, according to WLS-TV in Chicago the sheriff's office says the video now shows that Taylor likely was not handcuffed and that security footage shows him struggling with the leg braces throughout the trip."We believe shackles could have prevented the suspect from getting away," Martinez said.REDI Transport, which is based in Green Bay, Wisconsin, says it has opened an investigation into the incident."REDI Transports continues to cooperate fully with those investigating the prisoner escape that occurred yesterday afternoon in Gary, Indiana," the company said in a statement on Tuesday. "We are also conducting our own internal investigation into what happened and are determining what procedural or process changes may be needed to ensure this does not happen again."Taylor is wanted on murder charges in connection with an East Chicago, Indiana homicide. He's faced charges in connection with "half a dozen" robberies in the past, according to WLS. 2169

A Las Vegas family is dealing with a bunny multiplying nightmare.There are so many bunnies they have to divvy them up and block them off in different rooms of their house to stop them from reproducing.Kerryann Curtin and her family got Thumper, the male bunny, a couple years ago. More recently, they were gifted what they thought was another boy bunny."They swore it was a boy, the breeder said it was a boy!" said Kerryann's sister Kathleen Curtin-Coble.But to their surprise Brandon the new bunny was a girl. They changed her name to Brandy.Brandy had nine bunnies September 14, 2017. She had seven more a month later and seven more a month after that. That's 23 bunnies in just three months."Even before you know they had babies, they are pregnant again," said Curtin-Coble.On March 22, one of Brandy's baby bunnies had six babies and a few weeks later had three more.The Curtin family has adopted out 21 bunnies on their own but they need help with at least 11 more.They've asked just about everyone for help but no one can help them."We've called Arizona, Utah, California, and every sanctuary in Nevada that we could find," said Curtin-Coble. "We can not find anyone that can take them."Many of the bunny rescues are overwhelmed with hundreds of bunnies already after massive rescue work that was done at a nearby dumpsite.If you are interested in adopting one of the bunnies, email Kerryann at kerryann.curtin@hotmail.com. 1438

A Holocaust denier is now officially the Republican nominee in a Chicago-area House race after running unopposed in Tuesday's primary.Arthur Jones' campaign website includes a section titled "Holocaust?" and he has been involved with anti-Semitic and racist groups since the 1970s, according to the Anti-Defamation League. The Illinois Republican Party denounced Jones' campaign earlier this year, saying there is "no place for Nazis like Arthur Jones" in the GOP or the country."The Illinois Republican Party and our country have no place for Nazis like Arthur Jones. We strongly oppose his racist views and his candidacy for any public office, including the 3rd Congressional District," Illinois Republican Party Chairman Tim Schneider said previously in a statement. 777

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