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Some credit mistakes are a lot worse than others. Little ones, like paying a credit card bill a day late, may cost you a penalty fee, but that’s a relatively minor irritation — it’s not going to stand between you and a mortgage. Other seemingly small slip-ups can lead to full-fledged disasters.What makes a credit mistake haunt you?Some things can be reversed quickly. Running up credit card bills can tank your credit score, for instance, because the portion of your credit limits you’re usingis weighed heavily in credit scoring. But when you pay down the debt, the damage disappears as lower balances get reported to the three major credit bureaus, Equifax, Experian and TransUnion.Mistakes that have long-running ripple effects hurt the most, says credit expert John Ulzheimer. A late payment, for example, can get sent to a collection agency, then perhaps grow into a repossession or bankruptcy. Those batter your credit and stay on your credit record for years. Likewise, co-signing a loan for someone who is later unable to pay can hamstring your finances for a long time.Common mistakes that can hurt your financesMissing a payment: A payment that’s a little late might cost you a penalty fee, but your credit score won’t suffer because creditors can’t report your account as delinquent until it’s 30 days past due. If you have a high score, going 30 days late can knock as much as 100 points off your score — and it stays on your credit report for seven years. The damage gets worse if you let the account slide to 60 days past due, 90 days past due or more. Your score can recover, but it will take time. Catching up on that account, and keeping all other payments up to date and balances low, can help.Raiding retirement funds to pay debt: Most people don’t want to file for bankruptcy. Almost half of Americans say they would not file no matter how much credit card debt they had, according to a recent study commissioned by NerdWallet. Bankruptcy attorney Roderick H. Martin of Marietta, Georgia, says some of his clients have tapped — or even emptied — retirement savings in a desperate attempt to stay afloat. That often just delays the inevitable — “then they turn around and file for bankruptcy,” he says. Retirement savings are typically protected in bankruptcy, but money already withdrawn cannot be recovered.Co-signing a loan: Aaron Smith, a financial planner in Glen Allen, Virginia, says co-signing so a friend or relative can get credit is often a mistake. “My personal and professional opinion is if they can’t get it on their own, there must be a problem,” he says. If the primary borrower doesn’t pay as agreed, it can leave both your relationship and your credit in tatters. Even if the borrower repays as agreed, remaining on the loan can limit your borrowing capacity. Before you co-sign, ask if you can be taken off the loan at some point.Sometimes doing nothing is the mistakeWe may think we’re too busy to trouble ourselves with fine print or financial chores. Either can come back to bite us.Not checking your credit: “I think checking your credit is like going to your dentist for a cleaning,” says Elaine King, a certified financial planner and founder of the Family and Money Matters Institute. “You need to make a habit of doing it. If you wait too long, there can be some rotten stuff there.”A credit report isn’t exciting reading; it’s a summary of your past handling of credit. But “boring” is what you want — anything you didn’t expect to see is worth investigating in case it’s an error or a sign of fraud. Through April 2021, you can get a free credit report weekly from the three major credit bureaus by using AnnualCreditReport.com. Plan to check at least annually, and more often is better.Ignoring the details: Not knowing your credit cards’ interest rates or when a 0% interest rate ends can cost you.Knowing interest rates can tell you which card to use when you’re paying for a new transmission and need to carry that balance for a while, for instance. Knowing when a teaser rate ends can help you ensure you’ve paid off the balance by then. It’s important to read the fine print. Some cards — primarily store cards — charge deferred interest if there is still a balance at the end of the introductory period. That means the “savings” from the teaser rate are added to your balance, wiping out any benefit.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletSmart Money Podcast: Remote Work Burnout and Saving for CollegeI Refinanced My Mortgage. Here’s What Happened to My Credit ScoreA New Set of Shopping Tips in the PandemicBev O’Shea is a writer at NerdWallet. Email: boshea@nerdwallet.com. Twitter: @BeverlyOShea. 4739

Someone in New Jersey is going to have a happy Easter weekend.Friday's Mega Millions drawing produced a single winning ticket in New Jersey, matching every number and the Mega Million number: 11, 28, 31, 46 and 59, plus the Mega Ball 1.The winner will receive an estimated 1 million — or 7 million in cash. The jackpot is the fourth largest in the history of the game.“Hearty congratulations to New Jersey for their big Mega Millions win,” Gordon Medenica, Mega Millions Lead Director and Maryland Lottery and Gaming Director, said. “The whole country can’t wait to meet the newest millionaire, but we all shared in the fun of playing.”Another two tickets, sold in Ohio and Texas, matched five numbers to win million each.California's highest winning tickets will award about ,000 each. The state sold six of those tickets matched four numbers plus the Mega number.In total, 365,581 tickets awarding some prize amount were sold in California. 992

Staff members at JP Morgan Chase came back from the Labor Day weekend to an email allegeding some employees and customers of the large bank may have acted in ways “that does not live up to our business and ethical principles — and may even be illegal,” according to a company memo obtained by multiple media outlets.The bank’s operating committee, led by CEO Jamie Dimon, sent the email Tuesday morning. It talked about how the pandemic has brought out the best in many workers, however there have been instances where, the company believes, customers have abused the government’s coronavirus relief programs.“This includes instances of customers misusing Paycheck Protection Program loans, unemployment benefits and other government programs. Some employees have fallen short, too,” the memo reads, according to CNBC.JP Morgan Chase has issued nearly 300,000 loans, for a total of almost billion under the Paycheck Protection Program, according to ABC News.No further details about what kind of “misuse” or unethical behavior the bank is citing. They only said they are working to “identify those instances, and cooperate with law enforcement where appropriate.”Accusations of fraud or otherwise problematic loans have come up all summer. In June, when some of the businesses who received loans became public, some names raised some eyebrows, including Kanye West’s fashion brand.The House Select Subcommittee on the Coronavirus Crisis announced that it has identified other possible fraudulent activity within the PPP program, including more than billion awarded to businesses that received multiple loans.Another billion was given to companies who reportedly didn’t include complete information from applicants. 1732

SPRING VALLEY, Calif. (KGTV) -- A San Diego County Sheriff’s deputy was injured Monday following a crash in Spring Valley. According to the department, the crash happened near the intersection of Bancroft Drive and Kenwood Drive at 8:23 a.m. The deputy was responding with his lights on to reports of a stolen vehicle when he was involved in a single-vehicle crash. The deputy was taken to the hospital for treatment of minor injuries, the department said. The details on what led to the crash wasn’t specified by the department. 538

ST. LOUIS (AP) — The son of the owner of a St. Louis-area soul food restaurant that was the setting for the reality show "Welcome to Sweetie Pie's" has been charged in a murder-for-hire plot that resulted in the death of his nephew four years ago. The show aired for five seasons on the OWN Network, according to Oprah.com.James Timothy Norman, of Jackson, Mississippi, was arrested Tuesday for the March 14, 2016, fatal shooting of his nephew Andre Montgomery, who was gunned down near a park in St. Louis.Norman, the 41-year-old son of Sweetie Pie's owner Robbie Montgomery, faces a federal charge in St. Louis of conspiring to use interstate commerce facilities in the commission of a murder-for-hire, resulting in death. Prosecutors say Norman conspired with Terica Ellis, of Memphis, Tennessee, in the killing.According to a news release by the US Attorney's Office Eastern District of Missouri, Norman took out a 0,000 life insurance policy on Montgomery and listed himself as the sole beneficiary.A week after Montgomery's death, Norman contacted the life insurance company in an attempt to collect on the life insurance policy, prosecutors said."Ellis’s phone location information places her in the vicinity of the murder at the time of the homicide," prosecutors said in the press release. "Immediately following Montgomery’s murder, Ellis placed a call to Norman and then began traveling to Memphis, Tennessee." 1432

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