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Student loan borrowers getting a break on their payments right now are seeing an additional benefit. Their credit scores are going up.The average credit score of all student loan borrowers increased from 647 in March to 656 in June, according to a report from the Federal Bank of New York.Student loans can typically have a significant impact on your credit score if you have a lot of this debt, but your payment history accounts for the biggest part of your credit score.It's important to remember this pause on payments is only until the end of the year, currently.You need to prepare now for when those payments will start again and using a higher credit score now could help.“As your score improves, if that's the case, to shop around and move other high interest debt into lower interest rate accounts, if you're qualifying for those,” said Bruce McClary with the National Foundation for Credit Counseling.It's not just student loan debt people are figuring out how to manage. The average person working with a nonprofit credit counseling agency right now is coming in with ,000 in credit card debt spread across five credit cards. That's up from last year.“There's this insular bubble right now that's still relatively intact that's keeping people a float,” said McClary. “What we're fully expecting is when that ends, when that comes to a screeching halt, if the current situation with unemployment doesn't improve much more, there's going to be a floodtide of demand for the services that we're offering.”If your student loan payments are on hold, make sure you're checking your credit score regularly.Credit counseling experts say it's not widespread, but they have been seeing some issues of payments not being reported correctly.You can check for free weekly at AnnualCreditReport.com. 1807

The birthday party for a 5-year-old Davenport, Iowa boy turned into one he’ll never forget when several officers from the Davenport Police Department accepted his invitation to attend.Jackie Martin took to Facebook to share the story of her son, Brayden, and his love for police officers. According to Martin, he loves everything about them, so it shouldn’t come as much of a surprise when Brayden decided he wanted to have a police officer-themed birthday party this year.Brayden personally delivered invitations to the police station in hopes of getting to see a squad car.But what he got in return was so much more.Over the course of the day, seven different officers made their way to Brayden’s party. Detective Donnie Pridemore even brought a pin-on badge with him and Brayden was pinned an official junior officer of the Davenport Police Department.“They went above and beyond to make my son feel like part of the team and really made today so special and allowed us the opportunity to continue to show Brayden the importance of respecting the law and those who uphold it,” said Martin, “they may not wear capes but today, they were definitely the heroes.”Check out the full post from Jackie: 1206

The Better Business Bureau (BBB) is warning the public about fake social media giveaways, where scammers use a technique called “like-farming.”The scam involves posts on Facebook, Instagram or other platforms that ask you to like or comment to enter for the chance to win something, like 0 in groceries for example.The catch is that many of these giveaways don’t actually exist. They’re created by scammers as a way of accumulating as many social media interactions as possible, according to the BBB.Once the scammers have garnered enough likes or comments, the BBB says they’ll edit the post and add something malicious, such as a link to malware.Other times, the BBB says the scammers will strip the original content off the page that has garnered likes and use it to promote “spammy” products or sell it on the black market.While these phony giveaways exist online, so do legitimate ones. The BBB has offered these tips to decipher which are real and which are fake:Look for the blue checkmark. Many social media platforms verify pages from brands and celebrities so that users can tell real pages from copycats. Make sure you look for that trust mark before liking and sharing content.Watch out for new accounts: If you think a giveaway is real, click on the business or celebrity’s profile. If it’s a new account with very little other content, that’s a big red flag.Look out for spelling errors and typos: Real brands use giveaways to promote their company. Spelling errors and typos will make them look bad! They are a big warning signs of a scam.The giveaway asks you to complete too many tasks: If a giveaway asks you to comment on multiple posts, follow several accounts, and tag a couple of brands, it becomes almost impossible to keep track of everyone participating and pick a winner at random (as required by law).There are no terms and conditions. Online giveaways should include contact details of the organizer, how to take part, how the winner will be selected, and eligibility requirements. If you don’t see information, that’s an instant red flag.Don’t click “like” on every post in your feed. Scammers are counting on getting as many mindless likes as possible, so be sure you only “like” posts and articles that are legitimate. Don’t help scammers spread their con. 2298

TAMPA, Fla. -- A former Tampa Bay Lightning player is on his way to becoming a sworn firefighter for the city of Tampa.“I think it’s very similar to the teamwork, the bond together, the brotherhood. It keeps you in shape and it’s very important for us to keep people safe and I want to be a hero to my children,” said Nikita Alekseev.Alekseev is a former first-round draft pick for the Lightning. Since then, he’s studied, graduated from the fire academy, has had EMT training and is finishing his final days of recruit training for Tampa Fire Rescue over the next week.“I have a lot of friends in the service here. I’ve been in the stations throughout my career just visiting and I’m a big community guy so I really like to help the people of the city,” he said.On Thursday, he said his focus was on consistency and efficiency.“Obviously, we’re just starting out so I want to get as much info on every little situation where it’s gonna help me to save my life and my crew. It’s very important to listen to what the instructor’s saying,” he said.The city’s new hires ran through engine company operations, practicing with the fire hose, going through a building and putting water on a building.“It doesn’t matter how big you are, how strong you are, you have to have a technique. It’s a lot of water and you can’t win it. So a lot of good instructors showed me how to do the right things, how to position yourself right and so it helps a lot,” Alekseev said.His fellow recruits include newcomers and legacies, everyone starting from the same place no matter their background.“What I hope is they take the training out here, bring it to the street, continue the training to continue gaining experience, knowledge and becoming a well rounded professional firefighter,” said Tampa Fire Rescue Captain Dan Quatrino.Alekseev and 14 others are part of the department’s first recruit class during the pandemic.“It makes a lot of the day to day operations we do unique and new to all of us,” said Quatrino.After finishing their final days of training, they’ll be sworn in next week.“It’s a small step to achievement, I guess. I want to make proud of the instructors, my friends in the service, my family, my kids, so it’s not really about me it’s about who’s behind this,” said Alekseev.Alekseev said his message to others, is to have goals, work towards them and follow-through, no matter your age.“Ultimate goal? Stay as long, as much as I can and healthy. And I love this city and I want to serve this city as much, as long as I can,” he said.This story was originally published by Haley Bull at WFTS. 2604

TAMPA, Fla. — University of South Florida Professor Dr. Jay Wolfson and health experts around the world are studying the latest research project on the coronavirus."This thing gives us surprises almost every week. We learn something new, and it's usually unpleasant every week," said Wolfson.The new research is from Australia's National Science Agency, and it found the virus could survive and remain infectious on surfaces like glass, steel, and paper for up to 28 days."What they are concerned about, what we are all concerned about it, is if you have some viable virus on your fingers and you touch your eyes or you touch your nose or you touch your friend's eyes or nose, there's a greater risk of it being brought into the body if there's enough of it there," said Wolfson.But Dr. Thomas Unnasch, also with USF Health, says this study was done with perfect conditions for a virus to thrive."They put the virus under different surfaces and then preserve them in the dark at ideal temperatures and humidity. So it's not too surprising that under those ideal conditions, that it would last quite a bit longer than it would under normal conditions."While experts agree COVID-19 primarily spreads from person to person through droplets in the air, there is still more to understand about how it can transfer from objects or surfaces to people."People do have a proclivity to touch their face and their eyes, so if you are in a place that's not familiar to you and you are using things that are unfamiliar to you, just be careful," said Wolfson."Your own cell phone, if you are the only one using it, that's not a big deal. But door handles, faucet handles elevator buttons things like that. Wash your hands after you do that. That's a really good idea," said Unnasch.All of the experiments in this study were done in the dark. Research has shown direct sunlight can kill the virus.This story was first reported by Erik Waxler at WFTS in Tampa Bay, Florida. 1965