The proper term is â insurance score ,â which is calculated similarly, but uses a slightly different formula. And the important distinction is that the insurance score registers as a âsoft hitâ or âsoft inquiryâ on your credit report, meaning it does not affect your credit score in an adverse manner.
Taking care of the stump. Your baby's umbilical cord stump will change from bluish white to black as it dries out and eventually falls off â usually within three weeks after birth. Keep the stump clean. Parents were once instructed to swab the stump with rubbing alcohol after every diaper change.
Neither you nor your baby will feel anything when this happens, as there are no nerves in the cord (NHS Choices 2013a) . Where the cord joins your newborn's tummy, he'll have a 2cm to 3cm-long stump. You'll need to keep it clean and free from infection until it falls off. Your baby's stump will drop off any time between five days and 15 days after he's born (NHS Choices 2013a) . The average is about a week if it is kept dry (AWHONN 2013) .