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Reducing debt and paying bills on time helps a lot

By Mark Huffman Consumer News: Need to boost your credit score? Here's how of ConsumerAffairs
June 15, 2026
  • Paying down credit card balances is often the fastest way to improve a credit score.

  • Making every payment on time remains the single most important factor in most credit-scoring models.

  • Consumers should regularly review their credit reports for errors that could be dragging down their scores.

Credit scores are extremely important in everyday life. As interest rates remain elevated and lenders continue to scrutinize borrowers, maintaining a strong credit score has become more important than ever. A higher credit score can help consumers qualify for lower mortgage rates, better credit card offers, and more favorable loan terms.

While improving a credit score takes time, personal financial experts say there are several steps consumers can take to see meaningful progress.

Lower credit card utilization

One of the quickest ways to boost a credit score is to reduce credit card balances. Credit utilizationthe percentage of available credit a consumer is usingaccounts for a significant portion of many credit-scoring models.

Experts generally recommend keeping utilization below 30% of available credit, though staying under 10% can produce even better results.

For example, a consumer with a $10,000 credit limit should ideally keep balances below $3,000 and preferably under $1,000.

Pay every bill on time

Payment history is the largest factor affecting credit scores. A single late payment can remain on a credit report for up to seven years and may significantly lower a score.

Consumers who struggle to remember due dates may benefit from setting up automatic payments or calendar reminders. Even making the minimum payment can help avoid costly late fees that drag down your score.

Mistakes on credit reports are more common than many consumers realize. Incorrect account balances, payments mistakenly reported as late, or accounts that do not belong to the consumer can all hurt a credit score.

Consumers are entitled to free copies of their credit reports from the three major credit bureausEquifax, Experian, and TransUnion. Reviewing those reports regularly can help identify problems before they become costly.

Any inaccuracies should be disputed promptly with the credit bureau and the creditor reporting the information.

Avoid closing old accounts

Many consumers assume closing unused credit cards will improve their credit profile. In reality, closing long-standing accounts can sometimes lower a credit score.

Older accounts help establish a longer credit history, and closing a card can also increase credit utilization by reducing total available credit.

Unless an account carries high fees or presents another problem, keeping it open may be beneficial.

Limit applications for new credit

Each time a consumer applies for a new loan or credit card, the lender may perform a hard inquiry on the credit report. Multiple inquiries within a short period can temporarily lower a score.

While consumers should not avoid applying for credit when necessary, experts recommend spacing out applications whenever possible.

Some consumers, particularly young adults or those rebuilding credit, may benefit from being added as an authorized user on a family member's credit card account.

If the primary cardholder has a strong payment history and low balances, that positive history may help improve the authorized user's credit profile.

However, the strategy can backfire if the primary account holder misses payments or carries excessive debt.

Be patient

Improving a credit score rarely happens overnight. While some actions, such as paying down balances, may produce results within a month or two, rebuilding credit after missed payments or financial setbacks can take much longer.

Financial counselors say the most effective approach is maintaining consistent habits: paying bills on time, keeping debt levels manageable, and monitoring credit reports regularly.

For consumers looking to improve their financial health, those habits can lead not only to higher credit scores but also to lower borrowing costs and greater financial flexibility over time.




Posted: 2026-06-15 12:47:32

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Consumer News: Hate making returns? DoorDash will now do it for you
Thu, 01 Oct 2026 19:07:08 +0000

For $7.99, a Dasher will pick up your return at your door and take it back to the store no box or shipping label required

By Kyle James of ConsumerAffairs
October 1, 2026
  • DoorDash is launching Dasher Returns, which lets shoppers pay $7.99 to have an eligible retail purchase picked up at home and returned to the store.

  • No box or shipping label is required, and DoorDash says a Dasher can arrive in as little as 30 minutes, although timing isn't guaranteed.

  • Before using it, check the retailer's return policy. DoorDash can take your purchase back, but it can't make a retailer accept it.


DoorDash is launching a new service called Dasher Returns that lets shoppers pay someone else to take an unwanted retail purchase back to the store.

For a flat $7.99 fee, a Dasher can pick up an eligible retail order at your door and take it back to the retailer. There's no need to find a cardboard box, print a shipping label, or make the trip yourself. DoorDash says pickup can happen in as little as 30 minutes, although pickup and delivery times aren't guaranteed.

The service is available now in select cities and is expected to roll out across the U.S. in November. Its pretty convenient timing with the holiday shopping and returns season right around the corner.

How DoorDash returns work

The new service is for eligible retail orders purchased through the DoorDash Marketplace. You can't use Dasher Returns to return something you bought in-store, or directly though a store's website.

You simply schedule the return, pay $7.99, and hand the item to the Dasher. DoorDash says the Dasher brings it back to the store, where the return is processed on the spot and the merchandise can go directly back on the shelf. Your refund should arrive within days, although DoorDash says the timing can vary.

There's an important catch: DoorDash is providing the ride, but not changing the retailer's return policy.

Before scheduling a pickup, make sure your purchase is still within the retailer's return window and isn't excluded because it's final sale or falls under another restriction. ConsumerAffairs' return-policy guides can help you check the rules at major retailers before sending your purchase back to the store.

Think of DoorDash as your return chauffeur, not your return loophole. If a retailer won't take something back from you, sending a Dasher with it isn't going to change the rules.

Is it worth the $7.99?

This is where I'd do a little math to see if its worth it. If you're planning to head to the retailer tomorrow anyway, paying eight bucks for someone else to make the trip doesn't make much sense.

But imagine the store is 15 miles away. Now factor in a 30-mile round trip, gas, traffic, parking, and potentially standing in a return line. Factor all that in, and $7.99 starts to look like a good trade for your time.

Pro tip: Bundle your errands before paying for convenience. Check whether you have another reason to visit the store or shopping center within the next week. If you do, make the return yourself. If the return requires a special trip, that's when the $7.99 fee becomes much easier to justify.

DoorDash is becoming more like a mall

Returns aren't the only retail expansion DoorDash announced.

The company is adding Macy's, Anthropologie, The North Face, Vans, and Timberland to its retail marketplace. Macy's merchandise will be available through more than 350 stores nationwide, Anthropologie through more than 220, and The North Face, Vans, and Timberland through more than 350 combined locations.

They join retailers already available through DoorDash, including Costco, Barnes & Noble, Gap, Kohl's, and SKIMS. DoorDash says more than half of the National Retail Federation's Top 100 Retailers now partner with the company.

Don't let $7.99 cost you more

There's one psychological trap worth paying attention to.

Say you bought a $30 shirt you don't want. It's tempting to look at the $7.99 return fee and decide it's not worth returning.

But keeping the shirt costs you exactly $30. And that's probably the best way to think about Dasher Returns. You're not paying $7.99 to return something, but you're paying $7.99 to make an errand disappear from your to-do list.

Whether that's a bargain depends on how much that errand is worth to you.

Read More ...


Consumer News: Could early-life sugar shape anxiety risk later in life?
Thu, 01 Oct 2026 19:07:07 +0000

A study of postwar sugar rationing suggests the first 1,000 days may matter for mental health

By Kristen Dalli of ConsumerAffairs
October 1, 2026
  • People exposed to less sugar during pregnancy and their first two years had lower rates of anxiety later in life.

  • Researchers studied more than 46,000 U.K. adults whose early-life sugar exposure varied because of postwar rationing.

  • The findings also point to possible long-term differences in sweet-food preferences and brain structure.


The first 1,000 days of life from pregnancy through a child's second birthday are an important period of development. Researchers have been increasingly interested in whether what happens during this window can affect health decades later.

A new study from the University of Surrey looked at whether exposure to sugar during this period might be connected to mental health in adulthood. The researchers took advantage of a unique period in British history: postwar sugar rationing, which limited people's access to sugar before being gradually phased out.

The study found that people who experienced sugar rationing for the longest period throughout pregnancy and until they were about 2 years old had a lower risk of anxiety in adulthood. The researchers also found differences in preferences for sweet foods and in some areas of the brain.

Research has shown that sugar exposure during the first 1000 days of life may influence the risk of suffering from several chronic diseases, such as diabetes, researcher Dr. Hana Navratilova from IPB University, Indonesia, said in a news release. Because weve seen in our previous work links between the liking of sugary foods and mental health issues, we were specifically interested in understanding if having sugar in early life could contribute to incidences of mental health issues such as depression and anxiety later in life.

Knowing the full impact that sugar can have on our physical and mental health, across our lifespan, could help inform public health policy and reshape our diets.

How did researchers study this?

The team used health and other data from 46,448 U.K. Biobank participants born between October 1951 and March 1956. Because sugar rationing was being phased out during those years, participants had different levels and lengths of exposure depending on when they were born.

Researchers divided participants into groups based on how long they experienced sugar rationing, including exposure only before birth and exposure that continued through six, 12, 18, or 24 months of age. They also included people born after rationing had ended as comparison groups.

The researchers then examined participants' sweet-food preferences and used linked medical records to identify diagnoses of anxiety and depression. They also analyzed brain-imaging data from 5,990 participants to look for differences in grey matter volume. Statistical models accounted for a number of demographic, lifestyle, and health factors.

What did the study find?

The group exposed to sugar rationing throughout pregnancy and the first two years of life reported a slightly lower preference for sweet foods as adults. They also had a lower rate of anxiety compared with people who were never exposed to rationing. That association remained after researchers accounted for sugar intake later in life.

The researchers also found differences in brain structure across the rationing groups. Of 139 brain regions examined, 80 showed differences across groups, with 11 regions showing significant differences between most rationed groups and the never-rationed group.

There was also an initial association with depression, but it became weaker and was no longer statistically significant after additional adjustments. That means the study's strongest finding was the connection between longer early-life sugar rationing and lower anxiety risk.

Importantly, this was an observational study. The results show an association, not proof that eating less sugar during pregnancy or infancy directly prevents anxiety decades later. Still, the researchers say the findings suggest that early nutritional experiences may have lasting effects on mental health.

Read More ...


Consumer News: A new pill could offer another option for sleep apnea
Thu, 01 Oct 2026 19:07:07 +0000

A six-month study found fewer breathing interruptions in people taking the medication

By Kristen Dalli of ConsumerAffairs
October 1, 2026
  • An experimental once-daily pill reduced sleep apnea-related breathing interruptions by about 44% in a phase 3 trial.

  • The study included 646 adults who could not tolerate or declined standard PAP therapy.

  • The medication improved several measures of nighttime breathing and oxygen levels, but side effects led some participants to stop treatment.


For people with obstructive sleep apnea (OSA), keeping the airway open during sleep can be a challenge. The condition causes repeated blockages in the upper airway, which can interrupt breathing and reduce oxygen levels during the night.

Continuous positive airway pressure, or CPAP, is a common treatment, but not everyone is able or willing to use it long term. That has researchers looking for other approaches.

One experimental option is AD109, a once-daily pill that combines two medications: aroxybutynin and atomoxetine. The drugs are designed to increase the activity of muscles in the upper airway during sleep, making the airway less likely to collapse.

"In many other chronic diseases, such as cardiovascular disease, asthma, or type 2 diabetes, it would be unthinkable for the majority of diagnosed patients to remain untreated or undertreated, first author Patrick John Strollo, MD, a sleep medicine physician at the University of Pittsburgh Medical Center, said in a news release. Yet that remains the reality in OSA.

"An oral pill that targets the underlying neuromuscular drivers of airway collapse during sleep could help address this gap and broaden the range of effective options for patients who remain untreated today."

How researchers tested the pill

The phase 3 SynAIRgy trial included 646 adults with mild to severe obstructive sleep apnea who had either been unable to use or had refused positive airway pressure therapy.

Researchers randomly assigned participants to receive either AD109 or a placebo, meaning a pill without the active medications. Neither the participants nor researchers knew who received which treatment during the trial.

The study lasted 26 weeks, or about six months, and was conducted at 69 sites in the U.S. and Canada. Participants underwent overnight sleep studies at the beginning of the trial and again during the study.

Researchers measured their apnea-hypopnea index, or AHI, which tracks how often breathing is interrupted during sleep, along with oxygen levels and other measures of sleep and fatigue.

What the study found

After 26 weeks, people taking AD109 had an estimated 44.1% reduction in their AHI, compared with a 17.6% reduction among those taking the placebo. The medication also improved measures of nighttime oxygen problems, including the number of times oxygen levels dropped and the amount of time participants experienced low oxygen.

More than 40% of people taking AD109 moved into a less severe sleep apnea category, according to the study. However, the medication did not produce a statistically significant improvement in the study's measure of fatigue.

The treatment also had side effects. The most commonly reported were dry mouth, nausea, insomnia, and difficulty urinating. About 21% of participants taking AD109 discontinued treatment because of adverse events, compared with about 3% of those taking the placebo.

For consumers, the findings suggest that an oral medication could eventually provide another treatment option for some people with sleep apnea who cannot use PAP therapy. But AD109 is still an investigational treatment, so the study does not mean that people with sleep apnea should replace their current treatment with the medication.

Read More ...


Consumer News: The DIY home mistakes that could cost you thousands
Thu, 01 Oct 2026 19:07:07 +0000

Trying to save money on a home project can backfire when a simple mistake turns into an expensive repair

By Kristen Dalli of ConsumerAffairs
October 1, 2026
  • The average homeowner spends $1,852 fixing a costly DIY home improvement mistake.

  • Plumbing, electrical and HVAC projects can quickly become more expensive when a small mistake snowballs into a larger problem.

  • Online tutorials can be helpful, but homeowners who relied on them reported a higher injury rate than those who sought professional help.


DIY home improvement projects can be a great way to save money until something goes wrong.

A project that starts with good intentions and a YouTube tutorial can quickly turn into a costly repair, especially when a mistake involves plumbing, electrical work or other jobs that require specialized skills. And sometimes, homeowners may not realize they've made a mistake until the damage is already done.

A new survey from SupplyHouse found that the average homeowner spends $1,852 fixing or replacing something after a DIY home improvement mistake. In fact, 58% of homeowners said they ended up spending more than they would have if they had hired a professional or done the project correctly the first time.

ConsumerAffairs spoke with Jay Yglesias, Product Support Lead at SupplyHouse, who explained which common mistakes can become especially expensive and when homeowners should think twice before tackling a project themselves.

How the study was conducted

SupplyHouse surveyed 1,007 U.S. homeowners in July 2026 about their home improvement mistakes, including what went wrong, how much repairs cost, why they attempted the projects themselves, and whether anyone was injured.

The company also analyzed 2025 data from the Consumer Product Safety Commissions National Electronic Injury Surveillance System (NEISS) to identify the home improvement tools and materials most often involved in emergency-room-treated injuries. The study also compared DIY parts costs with professional installation prices for 14 common home improvement projects.

Key findings

The survey found that DIY mistakes can get expensive quickly. The average homeowner spent $1,852 fixing or replacing something after a costly home improvement mistake, while 58% said they ultimately spent more than a professional job or a successful first attempt would have cost. Saving money was the original motivation for 38% of homeowners tackling their costliest project.

Yglesias explained which home improvement projects carry the highest risk for non-professionals.

Take, for example, refrigeration and various forms of heating, he said. Heating can include venting and a number of other things. Doing electrical work carries shock risk. Permitting and other considerations can greatly affect the cost-benefit analysis of various DIY projects.

Our electrical panel comparison, which is part of our research study, helps homeowners understand various risk-reward tradeoffs. We found that there is very little financial difference between doing electrical repairs yourself and the cost of the most inexpensive electrical service call. The financial difference between these repairs is only $34.

The survey also found that 41% of homeowners had trusted their own instincts or a YouTube or TikTok tutorial over a licensed professional. Meanwhile, 18% said they had hidden, covered up or quietly hired someone to fix a botched project before anyone else in the household noticed.

There was a safety concern, too: 15% of homeowners said they had been injured while attempting a home improvement project. The federal injury data found that ladders were associated with the most estimated ER visits, at more than 81,000 per year, followed by nails, screws, or tacks at more than 40,000.

The snowball effect

Yglesias shared some of the common ways that DIY projects go awry for consumers.

Oftentimes, people will end up costing themselves more money by taking on projects that have to do with plumbing, electrical work, or HVAC and suffer from the snowball effect, Yglesias told ConsumerAffairs. One small error can become a larger, costlier issue in what started out as a simple DIY fix.

There's also the issue in DIY projects that underlying causes are either unknown or not addressed. Now the homeowner is paying twice: once for the original materials, and again for the professional called in to fix or finish the job.

Watch out for online tutorials

There are times where watching a quick video on YouTube or TikTok can help you complete a house project seamlessly. However, there are other times where watching a video can lead you astray.

Online tutorials can be useful, but may deceive the user, Yglesias said. Online videos cannot tell you about bad shutoff valves or explain other issues with your home, which could put you at risk.

Users of such online videos reported an injury rate of 22% while those who deferred to professional assistance reported an injury rate of 11%. For situations that carry an increased risk, one should consider their level of experience and if they have the right equipment to compensate.

Read More ...


Consumer News: Start planning Black Friday now: Here’s when the best deals are expected
Thu, 01 Oct 2026 16:07:16 +0000

Adobe's new holiday forecast offers an early roadmap for when shoppers may find the deepest discounts

By Kyle James of ConsumerAffairs
October 1, 2026
  • Black Friday is expected to bring the best deals on TVs, toys, apparel, appliances, and furniture.

  • Cyber Monday should be better for electronics and computers, while Thanksgiving is expected to have the best sporting goods deals.

  • Shoppers don't need to buy anything yet, but knowing which days favor which products can help them plan ahead.


Yeah, I realize Black Friday is still over a month away, but shoppers who like to plan ahead are already getting a clearer picture of when the best deals could arrive this year.

And despite the name, Black Friday won't necessarily be the best day to buy everything.

Adobe's latest holiday shopping forecast shows that the deepest discounts are expected to fall on different days depending on what you're buying. Sporting goods are expected to be cheapest on Thanksgiving, several big-ticket categories should peak on Black Friday, and electronics and computers may be worth holding off on until Cyber Monday.

In other words, shoppers don't need to start buying now. But they can start figuring out when to buy.

Adobe expects discounts to gradually improve as November progresses, reaching as much as 14% off listed prices in early November and 21% just before Thanksgiving. The deepest discounts up to 30% are expected during Cyber Week, the five-day period from Thanksgiving through Cyber Monday.

Here's how the calendar is shaping up.

Thanksgiving: Shop sporting goods online

If sporting goods are on your list, Thanksgiving Day could be worth checking online. Specifically, check the website of Dick's, REI, Academy, Walmart, and Amazon.

Adobe expects Thanksgiving Day to have the best sporting goods deals, with discounts in the category expected to peak at 19% during the holiday season.

That doesn't mean every treadmill, set of golf clubs, or camping tent will be cheapest that day. But shoppers who already know what they want can start tracking prices now and see whether Thanksgiving delivers a significant price drop.

Pro tip: Build your cart now, but don't check out. If you already know what you want, put the exact items in your online carts or wish lists. When Black Friday pricing starts, you'll have a quick way to check whether the price really dropped. You wont be stuck trying to remember what it cost weeks earlier.

Black Friday: TVs, toys, clothing, appliances, and furniture

Black Friday still earns its reputation in several major shopping categories. Adobe expects the deepest discounts on TVs, toys, apparel, appliances, and furniture to land on Black Friday, both online and in-store.

The projected peak discounts are worth paying attention to:

  • Toys could reach 29% off listed prices

  • TVs and apparel could reach 23% off

  • Appliances and furniture could reach 18% off

For shoppers buying Christmas gifts for kids, there's another reason not to wait beyond Black Friday: inventory. Holding out for another few dollars in savings doesn't help if the toy is on the popular list and sells out.

The same idea applies to a specific TV, sofa, or appliance. Once the exact model you want reaches a price you're comfortable paying, chasing a theoretically lower price can backfire.

Pro tip: Screenshot the model number, not just the product. This is especially useful with TVs, laptops, and appliances, as some models are made specifically for Black Friday. So, by saving the exact model number (and specs) now, you can make an apples-to-apples comparison later. Otherwise, its easy to fall for a Black Friday discount on a TV only to realize later that it has two measly HDMI ports when you need four.

Cyber Monday: Electronics and computers lead the way

Tech shoppers may want to save some of their budget for Cyber Monday.

Adobe predicts the deepest discounts on electronics and computers will arrive Monday, Nov. 30. Electronics discounts are expected to reach as much as 30% off listed prices, while computers could hit 23%.

But don't ignore apparel. Cyber Monday has traditionally been a strong day for online clothing deals, and retailers aren't likely to suddenly turn off their Black Friday promotions when the weekend ends. Adobe's forecast simply suggests apparel discounts could peak on Black Friday, not that good clothing deals will disappear by Monday.

But keep in mind that Adobe's percentages are simply category-wide forecasts. They don't guarantee that a particular laptop, smartphone, or pair of headphones will be cheapest on Cyber Monday.

What shoppers can do now

There's no reason to start panic-buying Christmas gifts in September.

But there is an advantage to doing a little homework early.

  • Make a list of the specific products you're considering. The benefit here is that you can get familiar with what they normally sell for. That gives you a baseline when the holiday promotions begin and makes it easier to distinguish a genuinely good deal from a flashy "Black Friday" label.

  • Compare exact model numbers across retailers. This is particularly important with TVs and appliances, where nearly identical products can have different features.

  • Check retailers' price-adjustment and return policies before buying. A generous policy can make purchasing an early deal less risky if the price falls later.

The biggest takeaway from Adobe's forecast isn't that shoppers should buy early or wait until one particular day. It's that Black Friday is really becoming a multi-day shopping event and the best day to buy depends on what's on your list.

Read More ...


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