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Credit score of 620 or higher is usually required, though this depends on the lender. Average FICO score in 2016: 753, according to Ellie Mae. 145

after the teen started complaining about headaches and a pain in her arm.Nicole Lambert sent her daughter to get checked out by a pediatrician. The doctor notified her that the three-year contraceptive, Nexplanon, had been improperly implanted in her daughter's arm and it needed to be removed.According to paperwork on Merck's website, the maker of Nexplanon, the implant should go on the inside of the upper arm. Photos show Lambert's daughter had the implant near the back of her arm. Her doctor advised taking the implant out to avoid possible complications, including blood clots."I instantly started crying because just to hear that your child, anything could happen to your child and you didn't even know what's going on, it's a scary feeling," Lambert said. The tiny tube was removed a few days later."I actually went to the school. I was furious. I was mad, so I went to the school and the nurse told me, 'I don't have to talk to you about absolutely nothing.' I'm like that is my child, I take care of this child, you can talk to me about my child, and they put me out of the school," said Lambert.Birth control dispensed in city schoolsThe state law permitting minors to receive contraceptive services confidentially dates back nearly 50 years. And several of Baltimore City's 17 School-Based Health Centers (SBHC) provide reproductive health care services.Of the five SBHCs operated by the Baltimore City Health Department, there were 164 users of birth control during the 2017-2018 school year. The different kinds of birth control include oral contraceptive pills, Plan B, Depo-Provera, NuvaRing, and Nexplanon. WMAR requested the data above for the eight SBHCs operated by the Baltimore Medical System. The Baltimore City Law Department and Baltimore Medical System did not provide the requested information. 1826

Without major changes in almost every state, a national police misconduct database like what the White House and Congress have proposed after George Floyd’s death would fail to account for thousands of problem officers. The outlook for a policing bill is newly uncertain after Senate Democrats on Wednesday blocked a Republican proposal from moving forward. The House approved a far-reaching police overhaul from Democrats on Thursday, but it has almost zero chance of becoming law. Any eventual registry that emerges would depend on states reporting into it. But states and police departments track misconduct very differently. And some states currently don’t track it at all. 685

Your credit score. It's the magic three-digit number that offers you access to a world of opportunity, like renting a fabulous apartment, or snagging a cheaper rate on a home mortgage or a car loan.Yet one in five Millennials have never even checked their credit score, according to new data by LendEDU, an online marketplace for student loan refinancing.But if you're not planning on making any major purchases, do you really need good credit?Most people are familiar with the notion of presenting your credit score when you lease a car or rent an apartment. But everything from your deposit requirements set by utility companies to the premium you pay for your insurance can be affected by your credit score, according to Jeff Richardson, a credit expert at VantageScore."A low credit score can mean the difference of thousands and thousands of dollars," says Richardson.Here are three ways you may be really mismanaging your credit:1. Getting sloppy with contractsYou're nearing the end of a car or apartment lease, and the end is in sight. But forgetting to pay that final utility bill before moving, or defaulting on your apartment lease, can land your credit score in hot water, says John Ulzheimer, a credit expert at The Ulzheimer Group."Not paying final utility bills is a particularly important to be wary of since young people tend to be more nomadic than older people," he says.You can also end up with a lower credit score by running up excessive mileage on a car lease or failing to pay for damage to an automobile or an apartment."These are the terms that are often overlooked by younger credit users and jump up to bite them in the form of a large lump sum required payment," he says.2. Overdoing it with credit card applicationsIt can be tempting to apply for retail credit cards to save some money on your shopping purchases, but failing to space out applications can temporarily damage your credit score, according to Ulzheimer.He notes that young people should be particularly cautious over the holidays, when many retailers urge people to take advantage of big discounts for holiday sales.Every time you apply, the creditor will run a credit check before they approve you for a new card.Not only are the credit checks a temporary drag on your score, but opening new cards can drag down the average age of your credit history, another factor that weighs on your score."[Retail cards] result in several new credit inquiries and new accounts, and both of those can hurt your credit scores," he says.3. Avoiding credit altogetherThese days, it feels increasingly easier to avoid using credit cards. Apple Pay, Paypal, Venmo and prepaid debit cards have vastly changed the way people make financial transactions."Back in the day there were very little options outside of a general use credit card," says Richardson.Today, however, young people can't even access credit cards until they have proof of income, as a result of the Credit Card Act of 2009. That is causing many people to delay building their credit score -- a mistake that may haunt them as they try to make larger purchases later in life, according to Richardson."Unless you're going to write a check to buy a car or house, you're going to need some sort of credit," he says. "Credit avoidance is simply not credit management." 3329

after shooting and killing his wife because she'd had dementia, according to the Venice Police Department.Wayne Juhlin shot and killed his 80-year-old wife in their Monday night, according to police.Juhlin told police that "he intended on turning the gun on himself and taking his own life after killing his wife, but the gun malfunctioned."After the gun prevented him from carrying out his suicide, Juhlin eventually called 911 to reported that his wife was dead.Juhlin was arrested and charged with first-degree premeditated murder. He is currently at the Sarasota County Jail.This story was originally published by 620