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Some credit mistakes are a lot worse than others. Little ones, like paying a credit card bill a day late, may cost you a penalty fee, but that’s a relatively minor irritation — it’s not going to stand between you and a mortgage. Other seemingly small slip-ups can lead to full-fledged disasters.What makes a credit mistake haunt you?Some things can be reversed quickly. Running up credit card bills can tank your credit score, for instance, because the portion of your credit limits you’re usingis weighed heavily in credit scoring. But when you pay down the debt, the damage disappears as lower balances get reported to the three major credit bureaus, Equifax, Experian and TransUnion.Mistakes that have long-running ripple effects hurt the most, says credit expert John Ulzheimer. A late payment, for example, can get sent to a collection agency, then perhaps grow into a repossession or bankruptcy. Those batter your credit and stay on your credit record for years. Likewise, co-signing a loan for someone who is later unable to pay can hamstring your finances for a long time.Common mistakes that can hurt your financesMissing a payment: A payment that’s a little late might cost you a penalty fee, but your credit score won’t suffer because creditors can’t report your account as delinquent until it’s 30 days past due. If you have a high score, going 30 days late can knock as much as 100 points off your score — and it stays on your credit report for seven years. The damage gets worse if you let the account slide to 60 days past due, 90 days past due or more. Your score can recover, but it will take time. Catching up on that account, and keeping all other payments up to date and balances low, can help.Raiding retirement funds to pay debt: Most people don’t want to file for bankruptcy. Almost half of Americans say they would not file no matter how much credit card debt they had, according to a recent study commissioned by NerdWallet. Bankruptcy attorney Roderick H. Martin of Marietta, Georgia, says some of his clients have tapped — or even emptied — retirement savings in a desperate attempt to stay afloat. That often just delays the inevitable — “then they turn around and file for bankruptcy,” he says. Retirement savings are typically protected in bankruptcy, but money already withdrawn cannot be recovered.Co-signing a loan: Aaron Smith, a financial planner in Glen Allen, Virginia, says co-signing so a friend or relative can get credit is often a mistake. “My personal and professional opinion is if they can’t get it on their own, there must be a problem,” he says. If the primary borrower doesn’t pay as agreed, it can leave both your relationship and your credit in tatters. Even if the borrower repays as agreed, remaining on the loan can limit your borrowing capacity. Before you co-sign, ask if you can be taken off the loan at some point.Sometimes doing nothing is the mistakeWe may think we’re too busy to trouble ourselves with fine print or financial chores. Either can come back to bite us.Not checking your credit: “I think checking your credit is like going to your dentist for a cleaning,” says Elaine King, a certified financial planner and founder of the Family and Money Matters Institute. “You need to make a habit of doing it. If you wait too long, there can be some rotten stuff there.”A credit report isn’t exciting reading; it’s a summary of your past handling of credit. But “boring” is what you want — anything you didn’t expect to see is worth investigating in case it’s an error or a sign of fraud. Through April 2021, you can get a free credit report weekly from the three major credit bureaus by using AnnualCreditReport.com. Plan to check at least annually, and more often is better.Ignoring the details: Not knowing your credit cards’ interest rates or when a 0% interest rate ends can cost you.Knowing interest rates can tell you which card to use when you’re paying for a new transmission and need to carry that balance for a while, for instance. Knowing when a teaser rate ends can help you ensure you’ve paid off the balance by then. It’s important to read the fine print. Some cards — primarily store cards — charge deferred interest if there is still a balance at the end of the introductory period. That means the “savings” from the teaser rate are added to your balance, wiping out any benefit.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletSmart Money Podcast: Remote Work Burnout and Saving for CollegeI Refinanced My Mortgage. Here’s What Happened to My Credit ScoreA New Set of Shopping Tips in the PandemicBev O’Shea is a writer at NerdWallet. Email: boshea@nerdwallet.com. Twitter: @BeverlyOShea. 4739

SHERMAN HEIGHTS, Calif. (KGTV) - A storage facility for homeless people to keep their belongings is at capacity, leading some people to call for expansion.The facility is in Sherman Heights, near 20th Street and Commercial. It opened in June of 2018 with room for 500 bins.It was full by Halloween.Now there is a 200 person waiting list. The city initially wanted to put 1000 storage bins in the warehouse, but pushback from neighbors led to a compromise of just 500.Neighbors worried that the facility would be a magnet for homeless people, drawing them to the area.Six months later, people who spoke to 10News say the opposite has happened. They still see homeless people in the area, but not any more than before the facility opened.They also say the amount of clutter on the streets and sidewalks has decreased dramatically.Crime has also gone down in the area. According to the crimemapping.com website, there were 188 crimes reported within 1500 feet of the facility in August of 2018. In December, that number had dropped to 73 (see chart above).Part of that is from extra police patrol. A recent police department report says that SDPD is spending nearly million on overtime to add patrols in the neighborhood of the facility.City officials told the San Diego Union Tribune they have no plans to expand the facility. But at a meeting last month at the University of San Diego, several homeless advocated said it's an idea worth looking into. 1460

Staff at the Emergency Communications Center in Nashville confirmed they have been reviewing the call-taking and dispatching processes involved in the deadly Waffle House mass shooting.Those details from the review of the shooting on April 22 that killed four people will be used to assist in ongoing training for their personnel and to ensure professionalism.In this shooting, 911 officials said dispatchers did not know where on Murfreesboro Pike the shooting was taking place when the first calls came in.The shooting lasted 42 seconds from the time of the first shot outside until the gunman fled from the scene. Reports from the 911 center stated the shooter was inside the restaurant for 27 seconds.A timeline was released of some of the multiple calls separate operators answered at the ECC when the shooting took place. 850

SPRING VALLEY (CNS) - A 22-year-old man was behind bars Friday on suspicion of fatally shooting a 27-year-old man in an alley in the La Presa area south of Spring Valley, authorities said.Deputies responding to a report of gunfire shortly after 1:20 a.m. Thursday near the intersection of Delrose Avenue and Elkelton Boulevard found 27-year-old Carlo Avila of Santee in an alley with at least one gunshot wound, according to sheriff's officials.Paramedics responded, but Avila was pronounced dead at the scene, Lt. Rich Williams said.The circumstances leading up to the shooting were under investigation.On Thursday night, 22-year-old Carlos Deandre Davis of La Mesa was arrested on suspicion of murder, Williams said.Davis was booked into San Diego Central Jail about 1:20 a.m. Friday and he is being held without bail pending arraignment, scheduled for Tuesday afternoon, according to jail records.Anyone with information about the shooting was asked to call sheriff's homicide investigators at (858) 285-6330 or (858) 565-5200 after-hours or on weekends.Tipsters who wish to remain anonymous can contact San Diego Crime Stoppers at (888) 580-8477, or online at sdcrimestoppers.org. 1192

ST. PETERSBURG, Fla. — Two assisted living facilities in St. Petersburg have been shut down after deplorable conditions were discovered.The St. Petersburg Police Department said they shut down two assisted living facilities after they discovered they had no running water, no power and broken windows. Officers said they also found drug paraphernalia.The two facilities are both run by Tampa Bay Behavioral Health.Officers said nine disabled adults have been displaced. A number of agencies are at the scene to help find new homes for the residents.No charges are pending at this time. This is a developing story. Refresh for updates.  688