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A local pastor is speaking out after he says a woman leaving a pizza place in Detroit coughed on him as they crossed paths. The woman was wearing a mask, he wasn’t, and the whole incident was captured on surveillance video.Michael Hale and his wife Victoria were out celebrating Juneteenth, but when the couple went to get a pizza the celebration turned to anger. He says a woman started interrogating him about not wearing a mask.“She literally started to say things to me like, where is your mask or did you lose your mask. And so I told her my mask is in the car, I’m not going to be in here,” he said. “She literally walked back out, leaned over and coughed directly into my face."Surveillance video of the incident captured every moment, from when Michael crosses paths with that woman and she appears to cough in his face. Michael immediately reacted.“I just basically told her that you can’t do this stuff, 'why did you do this to me. I didn’t do anything to you like that,'” Michael recalled.His wife, Victoria, was sitting in the car and couldn’t believe what she saw. She says they filed a police report after the incident but was told police can’t do anything about it.“The sergeant told me that no criminal charges will be filed against her and in the State of Michigan it is currently not a crime to cough on someone," Victoria said. "But, according to the prosecutor they can’t go after things like this because it’s not a crime and they don’t have the resources to pursue these types of things."Michael says he should of had his mask on, but what happened to him shouldn’t have happened at all.“You don’t have the opportunity to police me and to ridicule me for not wearing my mask because no one made you in charge,” he said.DPD would only confirm to us they are investigating. Michael says he always wears his mask. He says from now on he won’t take any chances.This story originally reported by Alan Campbell on wxyz.com. 1947

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 German cruise line is facing outrage after one of its employees shot and killed a wild polar bear in Norway after the animal attacked another of its employees.Hapag-Lloyd Cruises said its ship was docked at Spitsbergen, the largest island on Norway's Svalbard archipelago, on Saturday when the bear attacked a guard hired to go on shore before passengers to ensure there aren't any polar bears in the area.The guard suffered non-life-threatening head injuries and was airlifted out, Hapag-Lloyd Cruises said in a statement on Facebook. 545

A car crashed into security barriers outside the UK's Houses of Parliament during rush hour Tuesday morning, injuring several people in what police are treating as a terrorist incident.The man's car collided with several cyclists and pedestrians before crashing into the barrier shortly after 7:30 a.m., police said.The driver, a man in his late 20s, has been arrested on suspicion of terrorist offenses and remains in custody in a south London police station.It appears to have been a deliberate act on an iconic London building, and as such, was being treated as a terrorist incident, said Metropolitan Police Assistant Commissioner Neil Basu during a news briefing later Tuesday.Police were still working on formally identifying the man, who is "not cooperating," said Basu, adding that the driver was not thought to have been known to MI5 or counter-terrorism police.There was not believed to be a further danger to Londoners or the wider UK related to the morning's crash, Basu said. 996

A Charlotte County, Florida mom was arrested Wednesday morning after she accidentally ran into her son in the drop-off area of the Port Charlotte High School parking lot.According to the Charlotte County Sheriff's Office, 49-year-old Nadine Williams has a suspended license and gave false identification at the scene.  Williams' son was taken to the hospital with minor injuries.Deputies said they found Williams had a suspension for unpaid traffic fines and a failure to maintain insurance. They also said they found a citation for driving without a license just days before the incident Wednesday morning. When deputies asked her about the suspension, they said she told them she knew she was suspended, but she had to drive because it wasn't "like I'm murdering or raping."  815

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