True
Capital One

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
Joy

Man uses TikTok to offer 'dinner with dad' to any kid that needs one, even adult ones

Summer Clayton is the father of 2.4 million kids and he couldn’t be more proud.

Come for the food, stay for the wholesomeness.

Summer Clayton is the father of 2.4 million kids and he couldn’t be more proud. His TikTok channel is dedicated to giving people intimate conversations they might long to have with their own father, but can’t. The most popular is his “Dinner With Dad” segment.

The concept is simple: Clayton, aka Dad, always sets down two plates of food. He always tells you what’s for dinner. He always blesses the food. He always checks in with how you’re doing.

I stress the stability here, because as someone who grew up with a less-than-stable relationship with their parents, it stood out immediately. I found myself breathing a sigh of relief at Clayton’s consistency. I also noticed the immediate emotional connection created just by being asked, “How was your day?” According to relationship coach and couples counselor Don Olund, these two elements—stability and connection—are fundamental cravings that children have of their parents. Perhaps we never really stop needing it from them.


Keep Reading Show less

Connecticut Senator Chris Murphy asked his Senate colleagues the questions millions of Americans have after a mass shooting.

Another school shooting. Another mass murder of innocent children. They were elementary school kids this time. There were 18 children killed—so far—this time.

The fact that I can say "this time" is enraging, but that's the routine nature of mass shootings in the U.S. It happened in Texas this time. At least three adults were killed this time. The shooter was a teenager this time.

The details this time may be different than the last time and the time before that, and the time before that, and the time before that. But there's one thing all mass shootings have in common. No, it's not mental illness. It's not racism or misogyny or religious extremism. It's not bad parenting or violent video games or lack of religion.

Some of those things have been factors in some shootings, but the single common denominator in every mass shooting is guns. That's not a secret. It's not controversial. It's fact. The only thing all mass shootings have in common is guns.

Keep Reading Show less
Joy

Meet Eva, the hero dog who risked her life saving her owner from a mountain lion

Wilson had been walking down a path with Eva when a mountain lion suddenly appeared.

Photo by Didssph on Unsplash

A sweet face and fierce loyalty: Belgian Malinois defends owner.

The Belgian Malinois is a special breed of dog. It's highly intelligent, extremely athletic and needs a ton of interaction. While these attributes make the Belgian Malinois the perfect dog for police and military work, they can be a bit of a handful as a typical pet.

As Belgian Malinois owner Erin Wilson jokingly told NPR, they’re basically "a German shepherd on steroids or crack or cocaine.”

It was her Malinois Eva’s natural drive, however, that ended up saving Wilson’s life.

According to a news release from the California Department of Fish and Wildlife, Wilson had been walking down a path with Eva slightly ahead of her when a mountain lion suddenly appeared and swiped Wilson across the left shoulder. She quickly yelled Eva’s name and the dog’s instincts kicked in immediately. Eva rushed in to defend her owner.

It wasn’t long, though, before the mountain lion won the upper hand, much to Wilson’s horror.

She told TODAY, “They fought for a couple seconds, and then I heard her start crying. That’s when the cat latched on to her skull.”

Keep Reading Show less