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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

11 a.m. ET update on Tropical Storm Barry, the storm's winds are now reaching 65 mph.A tropical storm becomes a hurricane when wind speeds reach 74 mph.A hurricane warning remains in affect for portions of the Louisiana coastline. The storm is continuing to move north at a pace of 5 mph, and the slow speed could further strengthen the storm before it makes landfall."The slow movement of Barry will result in a long duration of heavy rainfall and flood threat along the central Gulf Coast," the National Hurricane Center said.More on this at it develops. 558

ahead of the 2020 census.The In-Field Address Canvassing jobs are temporary, and the Census Bureau says things get underway in August. What are the jobs like?"This is the process of having field staff visit specific geographic areas to identify every place where people live or could live," 293

Depending on the insurer, there may or may not be an upfront premium. You can also opt to make a single-premium payment instead of monthly payments. 151

if they're hauling medical or emergency supplies.Truckers who aren't hauling those items, however, are starting to see a decline in business, similar to other industries dealing with the COVID-19 pandemic."I heard on the news that everything was shutting down, the truck drivers can't get any food, you can't get a shower at certain places because they are closing everything down," truck driver Dia Moore said. "But we're the ones out here delivering all the goods, and we can't be treated any better than this? That's not cool."Moore, who was traveling through Indiana during a haul, said she hasn't had any issues so far on her cross-country journey but has noticed more trucks parked at truck stops and fewer on the road."Nothing is moving," Moore said. "So if all the truck drivers just stop, the whole country is going to be stopped because you can't get anything in."Larisa Williams is an independent dispatcher. She's been in the trucking industry for nearly 20 years, and she's never seen anything like what coronavirus is doing to the country."I'd say if my trucking friends had gotten together and tried to make a map of what something like this would look like, we would've been dead wrong," Williams said. "We wouldn't have expected this."Williams said right now, a trucker's demand depends on what they are hauling, meaning drivers hauling goods like cars or lumber may be out of luck. A driver carrying essential household goods like food or toilet paper would get a different response."You're golden, I'll find you one," Williams said.This story was originally published by Cameron Ridle on 1609

来源：资阳报