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.
1 Keep the cord clean and dry until it falls off in 1- 3 weeks. 2  To clean the cord, dip a cotton swab in water, and gently clean the base of the cord. Dry with a clean cotton swab. Since there are no nerve endings in the cord, this does not hurt or sting.  Your baby may fuss because of the cooling effect on the tummy.