Her credit was an obstacle to buying a house. Here's how she fixed it.
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Karleh Wilson didn't know she had a credit problem until she wanted to buy a house.

Karleh and her fiancée, Kareem, have been living in a rented 3-bedroom home with their daughter, Kaari, in Philadelphia. But when they realized how much money they were forking over in rent that wasn't going towards any long-term investment, they decided to start the process of purchasing their first home.

Karleh researched what she'd need to make that happen, and found out she'd need a credit score of at least 650. However, when she looked at her free credit report, she found out her credit score was a dismal 315. So, in order to get a mortgage, she'd have to find a way to at least double her score, and hopefully get it even higher to land a competitive interest rate.


Karleh Wilson. All photos via Upworthy.

Karleh is a smart and responsible person. She went to an Ivy League school. So how did she end up in such a terrible credit situation?

It came down to an oversight that she made while she was in college.

She had gotten a card at a department store not realizing it was a credit card.

"I remember being in college and getting my first credit card," says Karleh. "I also remember being confused about the difference between a credit card and a store card. At that point, I was still getting used to using a bank account, much less navigating the complicated world of consumer credit."

Since Karleh didn't realize the retail card was actually a credit card, she had been missing payments for quite some time, which ultimately had a negative effect on her credit score.

Like many college kids, she didn't have the financial education to fully understand how credit worked. Karleh's dad feels that he bears some responsibility for that fact. "That's not stuff you talk about in the family," says Karleh's dad. "You don't want to put that stress on your child."

Karleh's dad.

Thankfully, Karleh was able to turn her credit score around with some diligent research and new habits.

She was embarrassed by her low score, and she and Kareem want to raise Kaari in a financially secure household.

Her dad was a big cheerleader throughout the process. He told Karleh she could turn her credit around, and said it with such confidence that she believed him.

Karleh started paying all of her bills on time. She got a credit card that was built for people with poor credit, used it for all of her purchases, and payed it off in full every two weeks. "That really drove my credit through the roof," she says.

"At this point, I've gotten my credit in a really good situation," Karleh says, "and now I'm approved for a mortgage."

At 24 years old, Karleh has gotten her credit under control and will soon be closing on her first home. In addition, she'll be providing a financially savvy example for her daughter, and her dad couldn't be more proud.

To learn more about Karleh's financial journey, check out this video:

She didn't know she had a credit problem until she wanted to buy a house.
Posted by Upworthy on Monday, November 26, 2018

When "bobcat" trended on Twitter this week, no one anticipated the unreal series of events they were about to witness. The bizarre bobcat encounter was captured on a security cam video and...well...you just have to see it. (Read the following description if you want to be prepared, or skip down to the video if you want to be surprised. I promise, it's a wild ride either way.)

In a North Carolina neighborhood that looks like a present-day Pleasantville, a man carries a cup of coffee and a plate of brownies out to his car. "Good mornin!" he calls cheerfully to a neighbor jogging by. As he sets his coffee cup on the hood of the car, he says, "I need to wash my car." Well, shucks. His wife enters the camera frame on the other side of the car.

So far, it's just about the most classic modern Americana scene imaginable. And then...

A horrifying "rrrrawwwww!" Blood-curdling screaming. Running. Panic. The man abandons the brownies, races to his wife's side of the car, then emerges with an animal in his hands. He holds the creature up like Rafiki holding up Simba, then yells in its face, "Oh my god! It's a bobcat! Oh my god!"

Then he hucks the bobcat across the yard with all his might.

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Images courtesy of John Scully, Walden University, Ingrid Scully
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Since March of 2020, over 29 million Americans have been diagnosed with COVID-19, according to the CDC. Over 540,000 have died in the United States as this unprecedented pandemic has swept the globe. And yet, by the end of 2020, it looked like science was winning: vaccines had been developed.

In celebration of the power of science we spoke to three people: an individual, a medical provider, and a vaccine scientist about how vaccines have impacted them throughout their lives. Here are their answers:

John Scully, 79, resident of Florida

Photo courtesy of John Scully

When John Scully was born, America was in the midst of an epidemic: tens of thousands of children in the United States were falling ill with paralytic poliomyelitis — otherwise known as polio, a disease that attacks the central nervous system and often leaves its victims partially or fully paralyzed.

"As kids, we were all afraid of getting polio," he says, "because if you got polio, you could end up in the dreaded iron lung and we were all terrified of those." Iron lungs were respirators that enclosed most of a person's body; people with severe cases often would end up in these respirators as they fought for their lives.

John remembers going to see matinee showings of cowboy movies on Saturdays and, before the movie, shorts would run. "Usually they showed the news," he says, "but I just remember seeing this one clip warning us about polio and it just showed all these kids in iron lungs." If kids survived the iron lung, they'd often come back to school on crutches, in leg braces, or in wheelchairs.

"We all tried to be really careful in the summer — or, as we called it back then, 'polio season,''" John says. This was because every year around Memorial Day, major outbreaks would begin to emerge and they'd spike sometime around August. People weren't really sure how the disease spread at the time, but many believed it traveled through the water. There was no cure — and every child was susceptible to getting sick with it.

"We couldn't swim in hot weather," he remembers, "and the municipal outdoor pool would close down in August."

Then, in 1954 clinical trials began for Dr. Jonas Salk's vaccine against polio and within a year, his vaccine was announced safe. "I got that vaccine at school," John says. Within two years, U.S. polio cases had dropped 85-95 percent — even before a second vaccine was developed by Dr. Albert Sabin in the 1960s. "I remember how much better things got after the vaccines came out. They changed everything," John says.

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