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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

It’s a high-profile Senate race that found itself surrounded in racial tensions, after Republican Sen. Cindy Hyde-Smith made controversial comments to a group of supporters saying, “If he invited me to a public hanging, I'd be on the front row.”Hyde-Smith called it an exaggerated form of expression and apologized to anyone she offended. But in a state with a troubled past, some saw the comments as racist.Then, on Monday, the day before the Mississippi election, someone hung several nooses outside the state capitol and left signs, including one that read “We’re hanging nooses to remind people that times haven’t changed.”“I think the controversy over the Senate race in Mississippi is a microcosm over the debates we’re having about race nationally,” says Brian Levin, with the Center for the Study of Hate & Extremism.Also this week, the trial started for the man accused of killing a woman and hurting dozens of others after he rammed his car into a crowd of people protesting a white supremacist rally in Charlottesville. “I think this political polarization has also bled over into an increase in hate crimes,” says Levin.Levin, who studies hate crimes, says the country has seen an increase the past three years in a row, given a recent spike in hate crimes, including the attack on a synagogue that killed 11 people and the apparent racially motivated murders of two African Americans outside a Kentucky grocery store. Levin predicts the trend could continue.“We might very well see, for the rest of the country for 2018 when the FBI releases their data, a fourth consecutive year,” Levin explains. “And I don’t think we’ve seen that in the over quarter century that we’ve been tracking hate crime data in the United States, indicating there is something awry in our society.” 1810

INDIANAPOLIS — A member of Congress has introduced a bill taking aim at protesters. The "Support Peaceful Protest Act," introduced by Indiana Rep. Jim Banks, would ban protesters convicted on crimes such as violence, looting, or vandalism from federal unemployment assistance. It was introduced on August 28, following several nights of demonstrations in Kenosha, Wisconsin. Protesters would also be held financially liable for the cost of federal policing.In a press release, Banks said:"Antifa thugs are descending on suffering communities, disrupting peaceful protests and leaving violence, looting and vandalism in their wake. They turned Milwaukee, Seattle and Portland into warzones, and now they're moving the chaos to Kenosha, Wisconsin. Who knows which community is next?"The bill is not expected to move in Congress. While the 0 federal boost to unemployment ended in July, some states, including Indiana, have opted in to an extra 0 in federal assistance. This story originally reported by Konah Williams on wrtv.com. 1043

In March, the FBI released 25 previously unseen photos taken in the hours following the attack on the Pentagon on September 11, 2001. The photos include debris from American Airlines Flight 77, first responders arriving at the scene, the holes left in the inner rings of the building, and the massive amounts of carnage left behind. Click through here to see these rarely seen photos. 397

It was her second time lying numb in a hospital bed in North Bergen, New Jersey, with blood streaming down her legs and fear creeping into her heart.At that moment, Timoria McQueen Saba thought to herself, "there's no way in the world that I'm the only woman who had this happen," she said.In 2010, after giving birth vaginally to her oldest daughter, Gigi, one late afternoon in April, postpartum hemorrhage or excessive bleeding -- the leading cause of maternal death worldwide -- nearly killed her.Then, about a year later, she started bleeding profusely in the small bathroom of a frozen yogurt shop. The blood was from a miscarriage, which left her feeling helpless in that hospital bed. She didn't know she was pregnant."I was all the way back to where I was the year before, and I realized ... I hadn't healed from the near-fatal traumatic experience the year before," said Saba, now the 39-year-old mother of two girls.The former celebrity makeup artist, who saw clients such as novelists Candace Bushnell and Kyra Davis, decided to become a maternal health advocate, speaking on behalf of the 830 women who die from pregnancy- or childbirth-related complications every day around the world. That's about 303,000 a year.Each year in the United States, about 700 to 1,200 women die from pregnancy or childbirth complications, and black women like Saba are about three to four times more likely to die of pregnancy or delivery complications than white women.The quick-witted, savvy Saba said the data shocked her."It really took me a while to digest it," she said -- she survived something that many others around the world haven't."What was different about me? Why didn't I die? What were the reasons for that?" she asked. "I felt like I have a duty to tell this story, to represent my race in a way that not many people can, because I lived through it."  1875

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