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.
Umbilical Cord Care Tips. 1  Clean the stump with a cotton ball dipped in mild soap and water. Dry it gently with a cloth. 2  Fold the top of your babyâs diaper down to let air get to the stump. 3  Change wet diapers right away.  Avoid tub baths until the stump has fallen off.