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TELLER COUNTY, Colo. – A two-day search of the home of Kelsey Berreth’s fiancé in Florissant, Colorado turned up no sign of the missing woman, Chief of Police Miles J. De Young said Sunday.About 75 people from multiple jurisdictions searched the 35-acre home of Patrick Frazee Saturday, hoping to find any new clues that would provide answers into the Woodland Park, Colorado woman’s mysterious disappearance. Frazee, who has not been ruled out as a suspect in the case, continues to cooperate with police during the investigation, according to his lawyer.“We still have not found Kelsey,” De Young said in the latest press release from law enforcement.The search, which at one point involved the help of a backhoe, was completed Saturday and the property was turned over to Frazee.Investigators are continuing to conduct interviews as De Young stressed the case “remains our number one priority.”Details about what investigators were searching for at the home have not been released. 1022

Student loan borrowers are getting another break.A recent executive order signed by President Trump extends the suspension of payments and interest on federally-held student loans from September 30 to December 31, but certain details are still unclear.“The language isn’t super clear, so we student loan nerds are anxiously awaiting the Department of Education’s guidance, which we are expecting in the next couple of weeks for sure,” said Betsy Mayotte with The Institute of Student Loan Advisors (TISLA).Borrowers have reported their loan servicers are also awaiting direction from the Department of Education.Aside from a break in payments, Mayotte said there are programs borrowers in default should take advantage of during this COVID period.“Loan rehabilitation is kind of an awesome and unique thing for the federal student loan program. If you make nine consecutive on-time payments in an amount that’s based on your income, so the payments can be as low as , not only are you taken out of default, but they remove the default line from your credit report like it was never there. And the collection costs are significantly reduced,” said Mayotte.And right now, suspended payments will count toward rehabilitation.According to the department’s Federal Student Aid office: “If you enter a new rehabilitation agreement between March 13, 2020, and Sept. 30, 2020, suspended payments that would have been made from the beginning of your agreement until Sept. 30, 2020, will count.” “They’re counting this period like you’re making those rehab payments even though you don’t have to make them,” said Mayotte.It's still uncertain whether the same treatment will continue under the president’s executive order.Mayotte added that private student loan borrowers may want to consider refinancing now that interest rates have gone down.And even though payments for many borrowers have been suspended, it doesn’t mean you shouldn’t pay anything, especially for those still employed.With interest waived, anything you pay now will go directly towards your principal, so when payments resume, interest will collect on a lower balance.If you have questions about your loan or need help with a dispute, TISLA offers free advice.Also, check out StudentAidPandemic.org for up-to-the-minute guidance on student loans and financial aid during the COVID-19 pandemic.If borrowers need additional assistance with their student loan servicer, they should contact the Maryland Student Loan Ombudsman by email at studentloan.ombudsman@maryland.gov or by phone at 410-230-6185.This story was reported by Mallory Sofastaii at WMAR. 2631

Starter credit cards, aimed at those who are new to credit, have been around since at least the 1970s — and they used to be much easier to qualify for.Card issuers once were able to lure young adults, particularly students, with a variety of incentives that federal regulations now prohibit under the Credit Card Act of 2009.“When you started college prior to the Card Act, you could get a Frisbee and a credit card at the same time, or a chance to win a computer and a credit card,” said Rod Griffin, senior director of public education and advocacy at Experian, a credit reporting agency.Credit card eligibility requirements are stiffer now, especially amid the COVID-19-related downturn, as banks tighten lending standards to mitigate risk. It all adds up to more obstacles for those seeking to start the clock on their credit history. About 20% of the U.S. adult population doesn’t have a scorable credit file with the three major credit bureaus, according to a report by the Consumer Financial Protection Bureau.Still, qualifying for a starter card is not impossible, and more options exist today.Eligibility for starter credit cardsThe same CFPB report also notes that credit cards are the most common way to establish a credit file for all income levels and age groups.But age matters in terms of your eligibility for a starter card.IF YOU’RE UNDER 21Applicants generally have to be 18 to apply for a credit card on their own. Applicants under 21 can only report independent personal income, including regular allowances. If you’re a student, you may also report scholarships and grants.“I got the Discover student credit card on the first try,” said Karumi Narasaki, a 20-year-old student based in Indiana and creator of the YouTube channel Rumi’s Life. When she applied for the card, she says she included part-time income from two jobs and school aid received to cover books, rent and food.IF YOU’RE OVER 21Once you turn 21, income restrictions loosen slightly. You can include any income to which you have reasonable access, such as the income of a partner or a spouse, for instance. Income is still a necessary requirement to demonstrate your ability to make payments on borrowed amounts. Other requirements may also exist, depending on the card.If you can’t meet the income requirement at any age, a co-signer could help you build credit with a credit card. You’ll get your own credit card and account, but the co-signer assumes responsibility for the bill if you can’t pay it. Not many issuers allow co-signers on credit card applications these days, but there are still some that do.Types of starter cardsThe ideal starter card should have no annual fee and report your payment history to the three major credit bureaus: TransUnion, Equifax and Experian. These bureaus compile the credit reports that form the basis of your credit scores.Creditors review your credit scores to determine the likelihood that you’ll pay them back. A good FICO credit score of 690 or higher can make it easier to get an apartment, set up utilities and access better interest rates on credit cards or loans, for example.Starter card options may include:AUTHORIZED-USER CARDSCredit cards for authorized users are tied to a primary cardholder’s account. You are issued a card with your name on it, but the primary cardholder is responsible for making the payments. If that person uses his or her credit card wisely, it could reflect well on your own credit history, but double-check with your issuer.“It’s still recommended if you’re going to become an authorized user that you ask the lender if they actually report the account for you,” Griffin said. “If they don’t, it’s not going to help you build a credit history.”SECURED CARDSSecured credit cards are easier to qualify for because they require a cash deposit as collateral, reducing the risk to the issuer. The deposit amount usually determines your credit limit.With a good payment history, you eventually get your deposit back when you close the account or upgrade to a traditional “unsecured” credit card with the same issuer.STUDENT CREDIT CARDSStudent credit cards may require enrollment at a college or university. They also may require that you have at least some existing credit history. You can find exceptions, though.Some student cards may even pack helpful, student-friendly features like waived late payment fees or incentives. Rewards on student cards are uncommon, but some options exist.“I also considered applying for a secured card initially, until I found out there’s a Discover card,” Narasaki said. “It had cash back, which is unlike any of the other cards that I looked up, so I thought it was a pretty beneficial card and it had a lot of perks.”ALTERNATIVE-UNDERWRITING CARDSAlternative-underwriting credit cards have joined the market in recent years with some game-changing approaches. Most of these cards don’t charge a security deposit, and many can use factors other than the traditional FICO scoring model to assess your creditworthiness.If you don’t have a credit history, issuers of these cards may instead look at your employment, income, spending or savings to determine your ability to pay. As a result, they may require government-issued documents, bank account information, employment verification requirements and other details as part of the application process.In some cases, you may not even need a Social Security number to apply, which is helpful for newcomers to the U.S. who have limited options.Starter card alternativesEven with more starter card options on the market, the eligibility requirements may still leave some applicants out. But credit cards aren’t the only way to build a credit history. Some services make it possible to report certain bill payments to the credit bureaus to establish a credit file.For instance, rent-reporting services can record rent payments on credit reports for a fee. Experian Boost records cell phone and utility payments on Experian credit reports for free.You can also consider applying for a credit builder loan.More From NerdWalletIf Credit Card Relief’s a No-Go, Check Out Debt ManagementFor Homeowners, Saving a Down Payment Is Only the Start6 Great Recession Money Lessons That Still Apply TodayMelissa Lambarena is a writer at NerdWallet. Email: mlambarena@nerdwallet.com. Twitter: @LissaLambarena. 6346

The Associated Press is reporting that six officers involved in the arrest of Freddy Gray — a young black man who died in the custody of Baltimore Police in 2015 — will not face federal charges.The U.S. Department of Justice announced Tuesday that the officers would not face charges from the federal government. Six officers were charged at the state level, three of which were acquitted. Three others had their cases dropped.Gray died on April 19, 2015, a week after he suffered a spinal injury while in custody after he was arrested for carrying a switchblade a week earlier.  597

TAMPA BAY, Fla. — About four million Kia and Hyundai vehicle owners are one step closer to receiving a piece of the nearly 0 million settlement over an engine defect linked to cars and SUVs spontaneously bursting into flames.The settlement deal, first announced last year, would cover reimbursement for past repairs and expenses, free repair or replacement of damaged engines, denied warranty coverage, and loss of vehicle value.ABC Action News I-team Investigator Jackie Callaway first exposed the cause behind these fires in the report “Up in Flames” in 2018.That’s also the year Tisha VanAllen’s 2011 Kia Optima caught fire as she was driving down a Mississippi highway.“The car started stuttering and I pulled over and when I did it was just engulfed in flames,” she said.VanAllen became trapped in the burning car.“I tried my passenger door, my driver's door, it would not budge,” she said.Panicking, she kicked at the door and window before a truck driver pulled over and wrestled the door open.“He kept yanking on the door handle until he finally got it to open up and he just grabbed me and yanked me out,” she said.The loss of her car devastated the finances of the single mother of four. And at one point she faced eviction.“It just put me in a downward spiral,” VanAllen said.Kia and Hyundai, under the settlement terms, will pay VanAllen and millions of other drivers’ repairs, damage, and loss of vehicle value.Kia did not respond to a request for comment but a Hyundai spokesperson wrote in an email that, "this settlement acknowledges our sincere willingness to take care of customers impacted by issues with this engine’s performance....."The class-action lawsuit includes drivers who owned or leased the following vehicles with 2.0-liter or 2.4-liter gasoline direct injection engines:2011-2019 Hyundai Sonata2013-2019 Hyundai Santa Fe Sport2014-2015 and 2018-2019 Hyundai Tucson2011-2019 Kia Optima2012-2019 Kia Sorento2011-2019 Kia SportageA federal court hearing for final approval is set for November 12 and a judge is expected to grant formal approval of the settlement before the end of the year. The automakers are already sending out claim forms to affected drivers who can expect to start receiving checks in 2021.VanAllen said it can’t happen soon enough.“I am glad they are taking the responsibility for it,” she said. “Because it really put me in a really bad hardship.”This story was first reported by Jackie Callaway at WFTS in Tampa Bay, Florida. 2489

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