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People who care about their credit scores tend to obsess about some things they probably shouldn’t, such as the possibility they might have too much credit.Let’s bust that myth right upfront: The leading credit scoring formulas, FICO and VantageScore, don’t punish people for having too many accounts. And right now, having access to credit could be a lifeline.In June, the median duration of unemployment was nearly 14 weeks, according to the U.S. Bureau of Labor Statistics. “Median” is the halfway point, which means half of the unemployed had been out of work longer. After the Great Recession, the median length of unemployment peaked at 25 weeks.Most households don’t have enough emergency savings to get through extended unemployment. Access to credit ultimately could be what staves off eviction, keeps the lights on and puts food on the table.Obviously, you can have too much credit if it would tempt you to spend recklessly. And the more accounts you have, the easier it might be to forget a payment — which can be devastating to your scores — or fail to detect signs of fraud.But that doesn’t mean you should worry about applying for the credit you need in the misguided notion that having too much credit is bad for your scores.“It’s not about the number of accounts,” says Ethan Dornhelm, FICO’s vice president of scores and predictive analytics. “It’s about how those accounts are handled.”It’s not how many cards, but how you use themBefore the advent of modern credit scores in the 1980s, lenders did worry that people who had access to a lot of credit would suddenly run up big balances, then default, says credit expert John Ulzheimer, who formerly worked for FICO and for Equifax, a credit bureau. But data scientists have since learned otherwise. People who had been responsible with credit in the past tend to continue being responsible.“I’ve got a gajillion credit cards,” Ulzheimer says. “I could charge up every single one of my cards tomorrow, but I’m not going to do that.”Although you can’t have too much credit, you can have too much debt. Having big balances relative to your credit card limits, or a bunch of cards with balances, can definitely hurt your scores, credit scoring experts say.“There’s no right number of credit cards,” says Jeff Richardson, senior vice president marketing and communications at VantageScore Solutions. “But if you have 22 cards and they all have balances, that can add up.”Even small balances and balances you pay in full can be problematic. Credit scoring formulas consider how many of your accounts have balances and how much of your credit limits you’re using, among other factors. The scoring system uses the balances reported by your creditors, which are generally the amounts from your last statement. You could pay those balances off promptly, but they still show up on your credit reports and affect your scores.Credit-building strategiesIf you’re trying to polish your credit, Ulzheimer recommends using one or two credit cards and not charging more than 10% of their limits. That may require making more than one payment each month to keep the balances low or asking issuers for higher credit limits.If you do use more than a couple of cards, paying the balances off before the statement closing date will typically result in a zero balance being reported to the credit bureaus, and that can be good for your scores.Be careful about canceling unused cards, however. Closing credit accounts can hurt your scores, since it reduces your total available credit. If you’re concerned a lender might close an unused card, you can use it occasionally and immediately pay off any charges so you have a zero balance on the statement closing date.If your credit scores are already high, however, Ulzheimer questions how much effort you should invest in making them higher. Once your scores are over 760 on the commonly used 300-850 scale, you’re getting the best rates and terms lenders offer.Another thing people worry about, but probably shouldn’t: inquiries. Applications for credit typically have a minor impact on your scores and any impact fades within a year. But Ulzheimer says people are often convinced otherwise.“It’s crazy how many questions I get about inquiries, and they are so meaningless in the grand scheme of things,” Ulzheimer says. “People love to obsess about little things that don’t really have a whole lot of influence.”This article was written by NerdWallet and was originally published by the Associated Press.More From NerdWalletSmart Money Podcast: How to Travel Safely, and How to Handle Old DebtsTransition From Work-at-Home Novice to ProCan You Really Trust Your Payment App?Liz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. 4764

Parents are facing tough decisions as the school year looms: Should they keep their children in school, or pull them and send them to a school that's already prepared for distance learning?K12 Inc. is the largest online education provider in the K through 12 space. They serve 30 states, with 6,000 teachers around the country and 120,000 students. Distance learning is what they do best, and these days, they're getting flooded.It's what Kevin Chavous, K12's President of Academics, says is "dramatic" increase in interest from parents. They've received thousands of applications since the spring."These are families that otherwise wouldn't consider a virtual option, but all of them say the same thing — they're so fearful about their kids' safety," Chavous said. "They're educated consumers, shopping around trying to figure out options."Most of the calls to K12 are coming from heavily-involved parents. They want to know the data; they want to know about the education, the structure, the sports, and the possibility of meetups."A lot of the data we look at shows that anywhere from 10% to 40% of the average public school parent says there's no way they'll send their kid back to the brick-and-mortar school they're going to — not because they have problems, but they're deathly afraid of the safety issue," Chavous said.Parents everywhere have questions, and they want answers. Chavous addressed the school's biggest selling point."Well, we've been doing it longer, and we do it better and we've refined what we do," he said.Nearly 500 of K12's teachers have enrolled in a Master's in Education in Online Instruction.It was a fast switch to online learning that jolted parents this past spring, and it's something that Southern California mom Christy Hartman doesn't want to do again."I can't do another semester of what we experienced last year," she said. "It was disjointed, she was a 5th grader and spent about 45 minutes a day (e-learning) — no live instruction from teachers at all."Hartman says she's decided that if her local school district continues full-time distance learning, she'll pull her child and send her to Sage Oak — a large regional charter school that offers personalized learning.Kids at Sage Oak meet in person once every 20 school days, and the rest is teacher-guided, teacher-supported instruction, led by parents at home.Sage Oak was prepared for the pandemic before it ever happened."We didn't have to make a ton of changes," said Chelsey Anema, the school's student services coordinator. "We did have to go virtual — which is unfortunate because we love and value the time we get to meet with students each month — but we are equipped with meeting virtually, so it wasn't a huge struggle for us."Anema says Sage Oak is getting between 50 and 60 new student applications a day. It's a demand they can't meet due to a new bill that caps school funding and enrollment in California.Parents have some choices to make. And K12 recommends that parents do their homework."Call all of us. Call the school district. Ask those questions, seek better answers," Chavous said. "This is a precious time for America as we go through this education reset and global reset, and we have to do it right. You only have one chance to educate your child." 3278

Over 700 movie theaters nationwide will be showing Chadwick Boseman's movie "42" in honor of the late actor who succumbed to colon cancer last week.According to Deadline, Harkins, Regal, Cinemark, and other chains, this weekend will show the movie in 740 locations. 273

PHOENIX (AP) — A federal court in Maryland has ruled that the Deferred Action for Childhood Arrivals program must be restored fully, meaning it must open up to new applicants for the first time in three years.The program helps immigrants who were brought to the U.S. as children to legally work and protects them from deportation. Last month, the U.S. Supreme Court ruled that President Donald Trump didn't properly end the program in 2017.Roughly 650,000 people are enrolled in DACA, but only those who were already in the program when it ended have been able to renew.The U.S. Citizenship and Immigration Services said it is reviewing the ruling.The attorney general of California, Xavier Becerra, led the multistate coalition in the lawsuit that sought to restore DACA.After the court’s ruling, Becerra said, "From the Supreme Court down, the courts have made it clear: DACA stands, and now its doors are open to new Dreamers to apply. That's a fact and that's what matters." 986

PALM CITY, Calif. (KGTV) — An auto theft suspect barricaded himself in an SUV at a South Bay motel, prompting a seven-hour SWAT standoff Thursday.SWAT officers surrounded the SUV in the E-Z 8 Motel on Outer Rd. at around 9 a.m. in the Palm City neighborhood, near Otay Mesa West.About 4 p.m., the suspect surrendered with his hands up.The suspect, identified as a man in his late 20s or early 30s, was the suspect of auto thefts in the South Bay and has a criminal history in the National City area, according to San Diego Police. Police had previously told 10News the man was a hit-and-run suspect.National City Police responded to the motel Thursday morning waiting for the suspect to exit, according to SDPD. The suspect and his girlfriend got into the parked SUV. When police surrounded the pair, the woman surrendered but the suspect did not. She was not arrested, police told 10News.Police initially believed the suspect was armed, they're continuing to search his motel room and vehicle for the gun. 1015

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