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.
Until your baby's umbilical cord stump falls off: Keep the umbilical cord stump clean and dry. Fold your baby's diaper away from the stump (or buy newborn diapers with a cut-out space for the stump). This exposes the stump to the air and prevents contact with urine. Give your baby sponge baths instead of tub baths.