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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

in Bradford, Pennsylvania the evening of Sept. 19.Bradford School District officials say the bear charged the door at full speed and hit the window frame hard enough to pop the frame out. Officials say they believe the bear was spooked when he saw his reflection.Officials say the video shows the bear walking through the hallway and looking into rooms around 9 p.m. until it appears to see its reflection again and runs out the same way it came in.Only custodians were in the building at the time.No damage was done to the building and the window has since been reinstalled.The bear has not been seen in the area since the incident occurred."Fretz Middle School is such a great place to learn and grow that even the bears are knocking down the doors to get in!" superintendent Katherine Pude said.This story was originally published by Anthony Reyes on 856

YOSEMITE NATIONAL PARK, Calif. (AP) — A hiker in Yosemite National Park fell to her death while climbing to the top of the iconic granite cliffs of Half Dome, where cables are installed each summer.Park spokesman Scott Gediman says 29-year-old Danielle Burnett, of Lake Havasu City, Arizona, was scaling the steepest part of the trail Thursday when she fell more than 500 feet (150 meters) down the rocky terrain.Gediman says Burnett was dead when Park Rangers arrived on the scene.Rangers install the cables to assist the climbs of thousands of hikers who make the popular 14-mile (22-kilometer) round trip to the top of the 8,800-foot (2,670-meter) rock face.Gediman says the incident remains under investigation. 723

Zachary Cruz left a dog boarding facility in Greenacres, Florida on Sunday with a dog named Coby in his arms. Coby is one of two family dogs he plans to take to his new home in Virginia.Back on Valentines Day, Cruz's adopted brother Nikolas killed 17 students and staff at Marjory Stoneman Douglas High School in Parkland. "A lot of things I wish I would have done to prevent it, wish I could have stopped him somehow," Zachary said.Zachary said he and his brother fought a lot when they were younger though their relationship improved as they grew.RELATED: More Parkland coverage "I felt I was too hard on him at times. He was a fragile person. Mom was always there for him," added he said.A judge on Friday gave Zachary permission to move from South Florida. He was on probation after a March arrest for trespassing at Stoneman Douglas.Zachary is being helped by the legal rights group Nexus Services. He'll get counseling, and a job as a maintenance technician."I think getting him to a new place where he can come out of the shadow of his brothers heinous act and get an opportunity is really important," said Mike Donovan with Nexus."I just want to end bullying, it's just dumb.  Everyone deserves to fit in," Zachary said.As for his plans in Virginia, Zachary said he wants to finish high school, start an anti-bullying campaign and live his life. 1406

-- an inopportune time for residents wanting air conditioning relief from the heat.Detroit is taking extra measures to make sure residents can get relief from the sweltering heat that is also expected in the Midwest.In addition to cooling centers open on the weekdays, the city will open recreation centers on the weekend to give access to air-conditioning, according to a press release.The mayor's office and the Detroit Police Department will also be checking on homeless people to offer them transport to cooling centers this weekend, the release said.Detroit officials are urging residents to drink plenty of water, reduce outdoor activities, eat light and check on family and neighbors.Heat wave made worse by climate crisisJune of this year was the hottest June on record for the world, according to 807