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Audience Growth Strategist @DMRegister/@USATODAY Network. @IowaStateU alum. Lover of tech (and its intersection with journalism). Weather & aviation geek.
Articles by Brian Smith
What does the Children's Place bankruptcy mean for stores in Iowa?
Kids' clothing retailer The Children’s Place has filed for Chapter 11 bankruptcy and will close some stores to keep the business up and running, new court filings show. The Children's Place filed a bankruptcy petition along with 13 affiliated debtors in a New Jersey bankruptcy court on Nov. 8, according to court documents the company sent to USA TODAY. The retailer plans to sell all its assets and said in a news release that it aims to keep the business, which includes Iowa stores, open.
Watch live as Rob Sand holds first news conference as Iowa Gov.-elect Original
Nov. 9, 2026, 11:56 a.m. CT Iowa Gov.-elect Rob Sand is holding his first news conference since winning the election. Sand is scheduled to speak at noon Monday, Nov. 9 to provide updates on the transition process as he prepares to take office alongside his running mate, Dave Muhlbauer. The Des Moines Register will provide a livestream of his news conference on YouTube. Sand will be Iowa's first Democratic governor since Chet Culver left office in 2007. He'll take office on Jan. 12, 2027.
Suspect in Des Moines post office shooting was an employee, police say
A United States Postal Service employee is in custody following a shooting at the main post office in Des Moines that injured three people. kAm!@=:46 H6C6 42==65 E@ E96 A@DE @77:46 2E ``ed $64@?5 pG6] :? s6D |@:?6D 2C@F?5 hi`_ 2]>][ D2:5 $8E] !2F= !2C:K6<[ 2 s6D |@:?6D A@=:46 56A2CE>6?E DA@<6DA6CD@?[ 27E6C 42==D E@ h`` @7 2? Q24E:G6 <:==6CQ @? E96 D64@?5 7=@@C @7 E96 3F:=5:?8]k^Am k9bm$FDA64E :? A@DE @77:46 D9@@E:?8 H2D 2?
Injuries reported in Des Moines post office shooting
DES MOINES, IA – A U.S. Postal Service employee opened fire on co-workers inside a Des Moines post office Thursday morning, wounding two people and injuring a third employee who fell while fleeing before she was arrested minutes later, authorities said. Police said Jennifer Pledger, 39, of West Des Moines, was taken into custody without incident less than 15 minutes after the shooting was reported at the city's main post office.
Suspect in Des Moines post office shooting was an employee, police say
DES MOINES -- A United States Postal Service employee is in custody following a shooting at the main post office in Des Moines that injured three people. kAm!@=:46 H6C6 42==65 E@ E96 A@DE @77:46 2E ``ed $64@?5 pG6] :? s6D |@:?6D 2C@F?5 hi`_ 2]>][ D2:5 $8E] !2F= !2C:K6<[ 2 s6D |@:?6D A@=:46 56A2CE>6?E DA@<6DA6CD@?[ 27E6C 42==D E@ h`` @7 2? Q24E:G6 <:==6CQ @? E96 D64@?5 7=@@C @7 E96 3F:=5:?8]k^Am k9am$FDA64E :? A@DE @77:46 D9@@E:?8 H2D 2?
Injuries reported in Des Moines post office shooting
A large police response is seen at the United States Postal Service facility at 1165 Second Ave. in Des Moines after reports of an active shooter on Nov. 5, 2026. DES MOINES, IA – At least three people have been injured following a shooting at the main post office in Des Moines. Police received reports of an "active killer" on the second floor of the building around 9:10 a.m., said Sgt. Paul Parizek, a Des Moines police department spokesperson. The suspected shooter is in custody, he said.
Active shooter reported at main post office in Des Moines
Updated Nov. 5, 2026, 9:44 a.m. CT Des Moines police are on the scene of a reported active shooter at the city's main post office. A multi-agency response is underway at the United States Postal Service office at 1165 Second Ave., according to a release from the police department. Multiple people are believed to be injured, the release said. A suspected shooter has been detained. The public is asked to avoid the area around Second and University avenues as the investigation continues.
Active shooter reported at main post office in Des Moines
Follow Active shooter reported at main post office in Des Moines Brian Smith and Kyle Werner, Des Moines Register Updated Thu, November 5, 2026 at 10:36 AM EST Active shooter reported at main post office in Des Moines Des Moines police are on the scene of a reported active shooter at the city's main post office. A multi-agency response is underway at the United States Postal Service office at 1165 Second Ave., according to a release from the police department.
Suspect in Des Moines post office shooting was an employee, police say
Prefer us on Google Facebook Twitter Bluesky WhatsApp SMS Email Print Save DES MOINES — A United States Postal Service employee is in custody following a shooting at the main post office in Des Moines that injured three people. kAm!@=:46 H6C6 42==65 E@ E96 A@DE @77:46 2E ``ed $64@?5 pG6] :? s6D |@:?6D 2C@F?5 hi`_ 2]>] %9FCD52J[ D2:5 $8E] !2F= !2C:K6<[ 2 s6D |@:?6D A@=:46 56A2CE>6?E DA@<6DA6CD@?[ 27E6C 42==D E@ h`` @7 2? Q24E:G6 <:==6CQ @?
Meta Eyes at Least $20 Billion From Potential Bond Offerings Original
Photographer: Paulo Nunes dos Santos/Bloomberg (Bloomberg) -- Meta Platforms Inc.
甲骨文啟動200億美元股債融資 為AI支出「籌糧」
【彭博】-- 甲骨文已啟動一項規模200億美元的債務和股權融資計畫。就在幾天前，該公司剛剛公佈一項長期融資方案，為其大舉投資人工智能基礎設施籌措資金。 甲骨文在分別提交的文件中表示，公司擬發行100億美元的美元投資級債券，以及規模相當的普通股。甲骨文稱，所得資金將用於支持日常經營，其中可能包括資本支出和支付股息。 甲骨文上周承諾，截至2030財年將把債務總額的增幅限制在100億美元以內，並給出了自由現金流預期，緩解了投資者對於其AI投資能否獲得回報的擔憂。消息公佈後，公司股價一度大漲，一項衡量其信用風險的指標則大幅下降。 據一位知情人士透露，甲骨文正在推介六檔債券，期限從兩年到20年不等。其中期限最長一檔的初始價格指引為較美國國債殖利率高約3.6個百分點。由於未獲授權公開置評，該知情人士要求匿名。 根據相關文件，法國巴黎銀行牽頭此次債券發行，美國銀行則牽頭股票發行。 此次債券發行距離微軟結束大型科技公司近三個月的發債空窗期僅過去幾天。隨著市場對AI投資熱潮相關企業的風險愈發警惕，債券投資者要求更高的風險溢價，同時也願意支付更高成本來對沖相關風險。...
Oracle Raises $20 Billion for AI Growth as Meta Weighs New Debt
Photographer: Damian Lemanski/Bloomberg (Bloomberg) -- For almost three months, Big Tech companies didn’t borrow in the US bond market after they spooked investors with a debt binge in the hundreds of billions of dollars.
Des Moines metro trick-or-treat times for Halloween night 2026 Original
Oct. 31, 2026, 7:30 a.m. CT Beggars' Night has officially come and passed, but for a second year, trick-or-treating is still to come. Stormy weather two years ago helped end the decades-long tradition of trick-or-treating on the night before Halloween. Here’s a look at when cities will have trick-or-treating: When is trick-or-treating tonight? The following cities will be trick-or-treating on Oct.
Microsoft Eyes at Least $25 Billion in First US Bond Since 2017 Original
is looking to raise at least $25 billion from its first US investment-grade bond offering in nearly a decade, armed with rare top credit ratings that may help it attract investors who’ve been swamped by relentless borrowing to fund the AI boom. The world’s largest software company is marketing the in as many as 10 tranches, with maturities ranging from two to 40 years, according to people familiar with the matter.
微軟擬通過美國債券發行籌資至少250億美元
【彭博】-- 微軟尋求通過九年多來首次在美國發行投資級債券籌集至少250億美元，加入競爭對手的舉債熱潮，為人工智能投資熱潮提供資金。 據知情人士透露，此次發行規模尚未最終確定，可能根據市場需求調整。 知情人士稱，這家全球最大的軟件公司計畫分最多10檔發行債券，期限從2年至40年不等。因未獲授權公開置評，知情人士要求匿名。 其中一位知情人士表示，期限最長、2066年到期債券的初步價格指引為較美國國債殖利率溢價最高135個基點。 富國銀行、摩根大通和瑞銀集團負責此次債券發行。知情人士稱，募集資金將用於一般公司用途，包括資本支出。 此次交易結束了微軟長期未發行債券的局面。根據彭博匯總數據，微軟上一次發行投資級債券是在2017年，當時籌資170億美元。微軟是美國上市公司中僅有的兩家同時獲得穆迪和標普最高AAA評級的企業之一，另一家是強生。 此次發行也是自Alphabet於8月6日完成250億美元債券定價以來，首家藍籌超大規模雲計算企業發行債券。在市場對AI行業大舉支出的可持續性日益擔憂之際，這筆交易將成為檢驗投資者為AI投資提供融資意願的一次重要考驗。...
Halloween hits Des Moines with haunted houses and Beggars' Night Original
Oct. 29, 2026, 6:10 a.m. CT Come with us and you will see, this, our town of Halloween. It's finally upon us. The week leading up to Halloween. Residents of Des Moines, prepare thyselves for the spookiest holiday of the year. And, you know, Beggar's Night. More: What to know about the Des Moines metro trick-or-treat 2026 schedule Here's how to get the most out of Halloween. Love crosswords? Explore the Crossword page and play the new MidGrid Crossword.
1 killed, 1 seriously hurt in Urbandale motorcycle crash Original
Oct. 24, 2026, 8:45 a.m. CT One person was killed, and another was seriously injured in a motorcycle crash in Urbandale. The crash occurred around 1 p.m. Friday, Oct. 23, at the off-ramp from southbound Iowa Highway 141 to NW Urbandale Drive, according to a news release from the Urbandale Police Department. Police arriving on the scene found two adults with critical injuries. Both were transported to a local hospital where one later died.
Kimberly-Clark Readies Bond Sale Ahead of Tylenol Maker Purchase
Photographer: Michael Nagle/Bloomberg (Bloomberg) -- Kimberly-Clark Corp. is holding investor calls on Friday ahead of a possible bond sale, as the closing of its pending acquisition of Tylenol maker Kenvue Inc. nears.
Gators go backstage at New York Fashion Week
This fall, 12 University of Florida College of Journalism and Communications students traded Gainesville for the runways of New York Fashion Week (NYFW), where brands and designers from across the globe unveil their latest creations. Over six days, the students networked with professionals and alumni and worked behind the scenes at exhibits, shows and presentations.
Integrated Care and the Keys to Successful GLP-1 Therapy
Commentary|Podcasts|October 8, 2026 Author(s)Brian Nowosielski, Brian Smith, PharmD In a rapidly evolving diabetes and obesity management landscape, Brian Smith, PharmD, discusses approaches that are helping patients maximize their outcomes on GLP-1 therapy.
Why are tornado sirens going off today? It's Des Moines' monthly test Original
Oct. 3, 2026, 7:49 a.m. CT After endless days of rain, cloudy skies and a near record-amount of rain, sunshine has returned to central Iowa. So, some may be wondering, "Is that a tornado siren going off?" At noon on Saturday, Oct. 3, the answer will be yes, but not because of imminent severe weather. The outdoor weather sirens are just a test. Here's what to know about how tornado sirens work in the metro. When are tornado sirens tested in Des Moines?
Homer Harbor expansion plans detail scope of proposed dredging
The existing Homer Harbor has limited space for larger commercial vessels, prompting plans for a second facility that have raised questions about construction costs and the potential effects on Kachemak Bay’s marine habitat. (United States Army Corps of Engineers file photo) Posted on October 2, 2026 The proposed Homer Harbor expansion would require removing up to 1.5 million cubic yards of material from Kachemak Bay under plans now undergoing state water quality review.
See photos of Iowan Carter Krull's time on 'Survivor' 51
Brian Smith Oct. 1, 2026, 1:39 p.m. CT Native Iowan Carter Krull appears on the debut episode of "Survivor" Season 51, which aired on Sept. 23, 2026. Krull and other castaways are marooned in remote Fiji and competing to win $1 million. Scott Duncan/CBS Castaways arrive at a remote island in Fiji at the start of "Survivor" Season 51, which debuted on Sept. 23, 2026. Native Iowan Carter Krull appears in the season.
Are Iowans getting a $500 ACA refund check? See which states qualify. Original
Joey Garrison Stephen J. Beard Brian Smith USA TODAY Oct. 1, 2026, 10:43 a.m. CT Iowans who purchased health insurance from the federal exchange will be among the nearly 1 million Americans getting $500 refund checks and letters this week from President Donald Trump. The letters accuse his predecessor, President Joe Biden, of overcharging them under the Affordable Care Act. More than 950,000 Americans from 30 states will receive the checks, which started going out Wednesday, Sept. 30.
Bond Traders Lash Out at BofA, Citi as Paramount’s Debt Craters
Just hours after issued $52 billion of debt to fund the biggest Hollywood buyout ever, investors were nursing hundreds of millions of dollars in losses, triggering a flurry of angry calls from money managers to Wall Street banks that underwrote the debt. Paramount’s junk bonds were among the hardest hit in initial trading, with the eight-year US dollar changing hands at about 95 cents on the dollar on Thursday after for 100 cents on Wednesday.
Angry Bondholders Flood Wall Street With Complaints on Paramount Losses
Bloomberg (Bloomberg) -- Just hours after Paramount Skydance Corp.
Iowa Hawkeyes-Atlanta Hawks confusion derails Jack Smith hearing
WASHINGTON − Confusion over the difference between the University of Iowa Hawkeyes women's basketball team and the NBA's Atlanta Hawks derailed a U.S. Senate hearing. Former special counsel Jack Smith appeared before the Senate Judiciary Committee on Sept. 29 to discuss his time investigating and prosecuting President Donald Trump. During the meeting, U.S. Sen.
Iowa Hawkeyes-Atlanta Hawks confusion derails Jack Smith hearing
Sen. Eric Schmitt derailed a U.S. Senate hearing with former special counsel Jack Smith after he confused the Atlanta Hawks and the Iowa Hawkeyes. WASHINGTON − Confusion between the University of Iowa women's basketball team — the Hawkeyes — and the NBA's Atlanta Hawks derailed a U.S. Senate hearing. Former special counsel Jack Smith appeared before the Senate Judiciary Committee on Sept. 29 to discuss his time investigating and prosecuting President Donald Trump. During the meeting, U.S. Sen.
Iowa Hawkeyes-Atlanta Hawks confusion derails Jack Smith hearing
Aysha Bagchi Zachary Schermele Brian Smith USA TODAY Updated Sept. 29, 2026, 5:49 p.m. CT (This story was updated to add a video.) WASHINGTON − Confusion between the University of Iowa women's basketball team — the Hawkeyes — and the NBA's Atlanta Hawks derailed a U.S. Senate hearing. Former special counsel Jack Smith appeared before the Senate Judiciary Committee on Sept. 29 to discuss his time investigating and prosecuting President Donald Trump. During the meeting, U.S. Sen.
Paramount Puts $44 Billion Bond Sale for Warner Deal in Motion
.’s plan to sell more than $44 billion of bonds in US dollars and euros to fund its acquisition of . is now in motion, kicking off the main portion of the year’s largest M&A financing. and is holding on Monday to discuss the sale of about $32 billion of investment-grade debt and -equivalent of junk bonds, according to people familiar with the matter. The transaction is part of a $52 billion financing package that also includes in loans, which lenders ...
Paramount puts US$44 bil bond sale for Warner deal in motion
Paramount Skydance Corp's plan to sell more than US$44 billion of bonds in US dollars and euros to fund its acquisition of Warner Bros Discovery Inc is now in motion. (Sept 28): Paramount Skydance Corp's plan to sell more than US$44 billion of bonds in US dollars and euros to fund its acquisition of Warner Bros Discovery Inc is now in motion, kicking off the main portion of the year's largest M&A financing.
Watch live as Vice President JD Vance rallies with Republicans in Iowa Original
Vance is scheduled to speak just after noon on Friday, Sept. 18 at a Midterm Rally in Council Bluffs. The vice president is seen as the likely heir to Republican President Donald Trump's MAGA mantle. He was last in Iowa in May to campaign with 3rd District Republican Zach Nunn.
花旗勢將通過該行歷來最大規模美元債發行籌集120億美元
【彭博】-- 花旗擬通過其史上規模最大的美元債發行籌集120億美元。信用市場在聯儲會周三加息後走強，該行抓住這一時機發債融資。 據知情人士透露，這家華爾街大型銀行周四的債券發行吸引的認購需求峰值約為400億美元，相當於發行規模的約3.3倍。 此次發債恰逢市場風險偏好普遍回升，聯儲會周三實施2023年以來首次加息，此舉有助於緩解投資者對通膨的擔憂。 衡量美國高評級公司信用風險的一項指標周四創逾一個月最大跌幅，而平均利差周三降至77個基點，創五周最低水平。 推薦閱讀：市場綜述：美股期貨和美債走高 此前聯儲會鷹派升息；原油跌；黃金漲 另一位知情人士表示，期限最長的11年期債券最終定價較基準利率高0.93個百分點，較初步討論的約1.25個百分點明顯收窄。由於無權公開置評，該人士要求匿名。 銀行在選擇融資時機方面尤其精明，通常會在公佈季度業績後發債。但在本周初市場經歷劇烈波動後，隨著信用利差收窄、債券殖利率下降，發債條件變得格外有利 原文標題Citigroup Set to Raise $12 Billion in Its Biggest-Ever Bond Sale --聯合報導...
Simple budgeting tips that fit real life
If you’ve just started managing your own finances, recommitted to doing it well or noticed your spending isn’t making you as happy as you’d hoped, a budget might be exactly what you need. When you know where your money is going, you’re likely to feel more in control and more confident your finances reflect what actually matters to you. A simple budgeting framework to start: The 50/30/20 rule One of the easiest ways to structure a budget is the 50/30/20 rule.
Premature infant found dead in trash at Perry child care facility Original
Sept. 16, 2026, 7:14 a.m. CT The remains of a premature infant were found in a trash bin in Perry. The infant was discovered by officers with the Perry Police Department shortly after 6:30 p.m. Tuesday, Sept. 15, in a trash container at Acorns & Oaks Child Care, according to a news release from the department. Dallas County Emergency Medical Services was called to the facility about 5 p.m. for a report of a female experiencing vaginal bleeding.
Premature infant found dead in trash at Perry child care facility
The remains of a premature infant were found in a trash bin in Perry. Officers with the Perry Police Department discovered the infant shortly after 6:30 p.m. Tuesday, Sept. 15, in a trash container at Acorns & Oaks Child Care, according to a news release from the department. Dallas County Emergency Medical Services was called to the facility about 5 p.m. for a report of a female experiencing vaginal bleeding. The woman was treated and transported to a Des Moines-area hospital.
Flood warning issued as Raccoon River in Des Moines reaches its banks Original
Sept. 15, 2026, 2:09 p.m. CT After days of heavy rain, the National Weather Service is warning of minor river flooding in Des Moines. The weather service issued a flood warning for Polk County from Tuesday afternoon until Wednesday evening for concerns of flooding along the Raccoon River from Walnut Creek to the Des Moines River. "Turn around, don't drown when encountering flooded roads," the NWS warned, adding that most flood deaths occur in vehicles.
Aon Holds Talks on Bond Sale to Fund $17 Billion USI Takeover
is planning to sell high-grade debt to help fund its planned $17 billion acquisition of from private equity firm , potentially joining a rush of borrowers expected to tap the market next week. Units of the London-based company asked , , , and to hold calls with investors on Friday, a person familiar with the matter said. A dollar-bond offering may follow, the person added, asking not to be identified because they’re not authorized to speak publicly. ...
See Eli Raridon start his football career at Valley High School
Brian Smith Sept. 10, 2026, 9:11 a.m. CT West Des Moines Valley's Eli Raridon (88) gets tackled by Ankeny's Will Cornwell during a Class 5A semifinal football game, Friday, Nov. 12, 2021, at the UNI-Dome in Cedar Falls, Iowa. Joseph Cress/Iowa City Press-Citizen West Des Moines Valley tight end Eli Raridon (88) celebrates with offensive lineman Brevin Ayres (72) after catching a touchdown pass during a Class 5A semifinal football game against Ankeny, Friday, Nov.
Dell Seeks to Raise $4 Billion From Bond Sale to Refinance Debt
(Bloomberg) -- Dell Technologies Inc. is seeking to raise about $4 billion from an investment-grade bond sale, joining a wave of issuers seeking to refinance debt as it rides an AI-driven boom in demand for servers.
How is Iowa State football relaxing rules for fans during heat wave? Original
Sept. 4, 2026, 2:23 p.m. CT Fans will have access to additional water and air conditioning for Iowa State football's season opener on Saturday, Sept. 5. The afternoon game takes place amid a heatwave across the state. Fans attending the Iowa State-Southeast Missouri State game at Jack Trice Stadium on Saturday should expect a hot day. A heat advisory is in effect and temperatures are expected to reach 93 degrees, with heat index values potentially climbing to 105 degrees. Here's what to know.
See the moment a raccoon makes a dramatic leap onto an Iowa highway
What do you do when you're trapped on a dump truck rolling down an Iowa highway? If you're a raccoon, the answer is apparently to climb down the side, hang upside down and make a leap of faith. Iliyah Moore was traveling down a highway near Dallas Center on Aug. 18 when she spotted the raccoon. "I was on my way to work, taking my usual route, when I noticed in front of me a raccoon popping his head in and out of what appeared to be a dump truck," Moore told Storyful.
See the moment a raccoon makes a dramatic leap onto an Iowa highway
Sept. 4, 2026, 11:36 a.m. CT What do you do when you're trapped on a dump truck rolling down an Iowa highway? If you're a raccoon, the answer is apparently to climb down the side, hang upside down and make a leap of faith. Iliyah Moore was traveling down a highway near Dallas Center on Aug. 18 when she spotted the raccoon. "I was on my way to work, taking my usual route, when I noticed in front of me a raccoon popping his head in and out of what appeared to be a dump truck,” Moore told Storyful.
Build confidence in your 401(k) decisions
In its simplest form, saving can mean putting money into a jar, adding to it and letting it grow slowly. A 401(k), or other workplace retirement plan, is a step beyond that. It's more like a garden than a jar. Once you understand the basics of your 401(k), it becomes easier to feel confident in your decisions. In a jar, your money only grows when you add more. In a garden, what you plant can begin to grow on its own.
Des Moines police searching for 16-year-old who may be in crisis Original
Aug. 21, 2026, 2:44 p.m. CT Des Moines police are asking the public for help locating a 16-year-old who may be in crisis and without medication. Loralee, whose last name police did not provide, voluntarily left a care facility on the northwest side of Des Moines on Thursday, Aug. 20, according to a news release. Police believe that she may be in crisis and lacks access to needed medication. She may be with an 18-year-old male.
Building your child’s education fund, one brick at a time
Every solid house starts with a good blueprint and a strong foundation. Saving for a child's education is very similar. College costs can seem daunting. In addition to tuition, you'll need to account for housing and food, books and supplies, transportation and other expenses. The average annual budget at an in-state public university runs around $30,990 today, and a private school is $65,470 according to the College Board.
Iowa State Fair 2026 Day 7 Guide: Weather, events and Grandstand acts
Aug. 18, 2026, 12:01 p.m. CT The 2026 Iowa State Fair is past the halfway mark and nearing its final weekend. Wednesday, Aug. 19 brings the arrival of the sensory-friendly morning at the fair. Fans will find lowered volumes, limits on flashing lights and educational areas through noon. There's still plenty of time to enjoy fair foods, check out some entertainment or participate in a contest.
It's a girl! Baby giraffe born at Blank Park Zoo, another on the way
Brian Smith Aug. 18, 2026, 10:19 a.m. CT Blank Park Zoo's newest baby arrived on Aug. 17, 2026. Skye, a reticulated giraffe, gave birth two her second calf just after 8 a.m. Provided By Blank Park Zoo Skye and her calf will remain behind the scenes while the bond, the zoo said. Provided By Blank Park Zoo Fans can help choose a name for the calf by visiting the Kid Find Headquarters at the Iowa State Fair or on the zoo's website.
These 15 beaches on DNR's 'swimming not recommended' list this week Original
If you're looking to visit an Iowa beach between rain showers, there are more than a dozen you'll want to avoid. A total of 15 beaches are not recommended for swimming, as of Aug. 14. That's one fewer beach than in the previous week's Iowa Department of Natural Resources beach monitoring report. The Iowa DNR provides weekly updates on which state beaches are experiencing high levels of E. coli or algae that can be dangerous to swimmers.
Your credit score matters more than you may think
Your credit score can play a surprisingly big role in your financial life. From renting an apartment to getting a cellphone plan, your credit score can open doors or close them. Your credit score predicts how likely you are to pay bills on time. Lenders, landlords and even some employers use this number to evaluate how responsible you appear to be.
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