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In general, using as little of your credit card limits as possible is better for your score. So logic would suggest that paying off your credit cards early so that a zero balance is reported to the credit bureaus would produce the highest scores, right?Turns out, having 1% of your credit limits in use may help your credit score even more than showing 0% usage. Counterintuitive as it is, that’s how credit scoring works.Why 1% is better than 0%Credit scoring systems are designed to predict how likely you are to repay borrowed money. The two biggest credit factors — accounting for about two-thirds of your score — are paying on time and the amount you owe.Credit utilization, or the percentage of your credit card limits you use, is one of the biggest levers you can pull to affect your score, and it works quickly: Your utilization changes as soon as card issuers report your new balances to the credit bureaus each month.If you are trying to squeeze every possible point from credit utilization, the trick is to aim low — just above zero. Credit expert John Ulzheimer says that data has shown that 1% credit utilization predicts slightly less risk than 0%, and scoring models reflect that.Tommy Lee, principal scientist at FICO, one of the two dominant credit scores, explains it this way: “Having a low utilization indicates you are using credit in a responsible manner.”How to shoot for 1%If you’re aiming for a perfect 850, or are close to qualifying for a lower interest rate on a loan, shooting for 1% might help you gain a few points. You could aim to zero out your credit cards, knowing that your regular use of the cards will keep some small percentage of your limit in use.Ulzheimer, who has worked for credit bureau Equifax and credit scoring company FICO, explains how: “If you can pay off your balance in full by the statement closing date, then you’ll get a statement with a zero balance and that’s what will appear on your credit reports.” Or, you can pay off a card in full by the due date and stop using the card entirely for the next billing cycle to get to a zero balance.“But 1% could be better if you can pull it off,” Ulzheimer says.You could do that by using the AZEO (all zeros except one) strategy to get every credit card but one to a zero balance. Because credit utilization is calculated both overall and per card, you may want to use your highest-limit card as the one that will have a statement balance. Simply add all your credit limits together, and figure 1% of that.You can also try paying online as soon as a transaction posts to keep the balance low. Or, use a personal finance website or your card issuer website to check your credit utilization weekly. Then make a payment to bring it down, rather than waiting for your monthly statement.What if I can’t make it to 1%Keeping utilization under 10% is another worthy goal. Lee says that the top 25% of FICO credit scorers use about 7% of their credit limits. If you pay on time and keep balances low relative to credit limits, your scores will generally be high.Ulzheimer points out that if you are fretting over whether you want a credit utilization of 1% or 0%, it’s worth noting that either is excellent. And it’s entirely possible to score a perfect 850 without the elusive 1%. How that works is part of the “secret sauce” that scoring companies do not reveal.How to get and keep a high scoreNothing is more important to your score than paying bills on time. The scoring penalty for a missed payment is severe, and a payment that’s 30 or more days late can stay on your credit report for up to seven years.Also, use cards lightly and keep balances low to keep your credit utilization low.In addition, keep an eye on the other factors affecting your credit score:Check your credit reports for errors (you can access them by using AnnualCreditReport.com).Keep credit card accounts open.Aim to space credit applications about six months apart.Use both installment credit (loans with level monthly payments) and credit cards.And monitor your credit — regular checkups are part of staying financially healthy.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletWhat to Do When Your 0 Weekly Unemployment Check ExpiresIs That ‘Contact Tracer’ Really a Scammer? How to TellWhat to Do With Your ‘Treasures’ the Kids Don’t WantBev O’Shea is a writer at NerdWallet. Email: boshea@nerdwallet.com. Twitter: @BeverlyOShea. 4475

INDIANAPOLIS, Ind. (WRTV) -- A woman who comforted a college student during her last moments after being struck by a school bus Monday hopes her family knows everyone did all they could for her.Fatima Hassuneh, 18, was crossing the street at the intersection of University Boulevard and New York Street on the Indiana University, Purdue University of Indianapolis campus around 1:30 p.m. Monday when a bus attempting to make a left-hand turn struck her.School officials said the bus was under contract with Indianapolis Public Schools, but owned by Durham Transportation. Witnesses and college officials say Hassuneh had the right of way.PREVIOUS | IUPUI?student struck, killed by school busHassuneh was a pre-med student who aspired to become a doctor, according to a post by the college's Muslim Student Association. “Fatima, an aspiring doctor, was a sophomore in biology and was known for her kind heart and sense of humor,” the Muslim Student Association wrote. “She was a gift among us and has returned to her Lord. She was very active in our community and would often lead interfaith events. May Allah allow her to continue to reap the benefits of those deeds.”At the time of the crash, Alysa Schultz and her boyfriend were sitting at a red light at the very same intersection. She told WRTV that as soon as she saw what happened, her boyfriend started calling 911 while she rushed to check on Hassuneh.“As I was kind of kneeling there next to her, all she was doing was just holding her hand out, so I just grabbed it and held onto it,” Schultz said. “People were getting mad, saying, ‘Don’t touch her. Don’t move her.’ But at the same time, that one little bit of humanity – just hold on to her hand – that’s probably all she wanted.”Schultz said she didn’t know Hassuneh – but that her friends and classmates have messaged her since telling her what a wonderful person she was.“I had a lot of people message me on Facebook saying how awesome of a person she was and how beautiful and smart and driven and how involved she was,” Schultz said. “I really wish I would have known her.”Schultz, a former Indiana University student herself, said she hopes Hassuneh’s family can take some comfort from all of the efforts made to save her.“I hope that her family knows that there were six people calling the police, four people running around the corner to grab any police who were nearby,” Shultz said. “Everybody was stopping and blocking off the road so that no one could come near the situation. Everyone at IUPUI was like a family doing everything they possibly could for her, and I really hope that’s comforting to the family.”An Islamic funeral prayer, a janaza, was planned for Tuesday night for Hassuneh at the Alhuda Foundation in Fishers. As of Tuesday afternoon, police were still investigating the crash. 2847

It may not have been an Oscar, but Dwayne Johnson graciously accepted the award anyway."The Rock" posted a video Sunday on Instagram accepting a Razzie for last year's "Baywatch." The Golden Raspberry Awards, known as the Razzies, celebrate the best of the worst in Hollywood.Along with the video, the star wrote, "So let me go ahead and take this "L" right on the chin for Baywatch. Win some, lose some, but hey... that's the way love goes.""Happy Oscars Sunday!" he said in the video. "I'm super pumped and very proud for my buddies who've been nominated tonight, pulling for you guys to bring home the gold. I'm also excited because I was just informed that I too am bringing home the gold tonight."  716

Is it safe to drink from a fountain during the coronavirus pandemic?There’s no evidence you can get COVID-19 from the water itself.However, since the virus may linger on surfaces, experts say to avoid fountains if you can or to limit any direct contact when using them.If you don't have a tissue or gloves handy and need to touch the fountain, experts recommend washing your hands afterward.Health officials say schools and businesses should encourage everyone to bring their own water from home, but that fountains should still be cleaned and sanitized for those who need to use them. 593

In the most direct confrontation between Israel and Iran to date, the two regional enemies exchanged fire for hours during a volatile night in the Golan Heights.The extended barrage of fire comes amid soaring tensions between Israel and Iran, two rivals battling for regional influence, and less than two days after the United States withdrew from the deal to curb Iran's nuclear program.Israel said more than 20 rockets were launched by Iranian forces in Syria towards Israeli-claimed territory late Wednesday, often criss-crossing across the clear night skies. A number of those rockets were intercepted by Israel's Iron Dome aerial defense system, resulting in bright and sudden explosions.Iran's leaders have not yet issued a response to the Israeli accusations or the military strikes, but if confirmed it would be the first time Iranian forces have fired rockets directly at Israeli forces.Israel retaliated with what appeared to be surface-to-surface missiles, and Syrian anti-aircraft batteries hosed the sky with fire in an effort to intercept them. Thunderclaps of Israeli artillery fire reverberated across the frontier between Syria and Israel, with the faint sound of impact echoing back moments later.All night, drones buzzed overhead, heard but not seen in the darkness.In a statement delivered shortly after midnight Thursday, a spokesman for the Israel Defense Forces pinned the blame for the rocket fire on the Quds Force, an elite division of Iran's Revolutionary Guard, which has forces in Syria and is often seen as the face of Iran's regional ambitions.Lt. Col. Jonathan Conricus said the rockets, which were targeted at front-line Israeli military positions in the Golan Heights, were all either downed by aerial defense systems or fell short and landed in Syria.Conricus said Israel responded by successfully hitting dozens of Iranian targets in Syria in what he described as "the largest operation against Iranian targets" in years."Israel has hit almost all of Iran's infrastructure in Syria," Defense Minister Avigdor Liberman said Thursday morning. "If it will rain in Israel, there will be a biblical flood on the other side." He reiterated Israel's stance that this latest offensive was not an ongoing operation."This is not a vast victory or the battle of Stalingrad. It's limited to us and the Quds force in Syria," Liberman said.On Wednesday night, state-run Sana TV, in southern Syria, carried reports that Israel had fired several missiles at the city of Baath in Quneitra, none of which resulted in casualties.A short time later, Syrian state-run media reported that while dozens of "hostile" Israeli missiles had been intercepted in Syrian airspace, at least two others had hit an ammunition depot and destroyed a radar site.The targets included rocket launchers, intelligence posts, military command posts, and weapons depots. No Israeli fighter jets were hit in the strikes, but Conricus said they came under heavy anti-aircraft fire. He added that "ground assets were also used to strike into Syria." 3048

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