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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

People understandably fear tax audits, but audits actually aren’t that common: Of all the tax returns filed in 2015, the IRS examined just 0.7% the following fiscal year. Nonetheless, we’ve all had “what-are-the-odds” experiences in life. So if you’re worrying about an audit, here are a few things that tend to get the IRS’ attention, according to tax pros. 371

Police in Wisconsin have confirmed two cases of tampered Halloween candy throughout the state.In Arcadia, Wisconsin — a town located near the Wisconsin/Minnesota border — police confirmed that at least one child found needles in multiple pieces of Halloween candy.The needles were not visible until the candy was opened and broken in half. In both instances, the needles appeared to be sewing needles.Police say the incident happened sometime during trick-or-treat hours, between 3:00 and 7:00 p.m. They've warned parents in the community to check their children's candy.A few hundred miles away in Neenah, Wisconsin, police reported that nails were found in three pieces of Halloween candy.A spokesman for the Neenah Police Department said that a mother found three Kit Kat candy bars with nails protruding from them in her son's candy stash.Police suspect they can narrow down the house where the boy was given the candy, but did not say they were investigating any suspects.It's the second straight year in which a nail was found in a Neenah trick-or-treater's candy. A child found a nail hidden in a Tootsie Roll in 2016. No arrest was made in that case.Police are encouraging Neenah parents to inspect their children's candy for anything suspcious.Those reports comes just days after police in Randolph, Wisconsin — located about three hours east of Arcadia — say that a child in town received a piece of tampered candy while trick or treating on Saturday.According to police, the child received a Now and Later that appeared to have been soaked in motor oil or some other foreign substance. Police aren't sure where the child received the candy and are asking community members for tips. 1736

Phil Bredesen, the Democratic candidate for U.S. Senate in Tennessee, is running with Taylor Swift's decision to endorse him, touting how rare it is for the pop star to wade into politics in a new digital video and publicly thanking her on Twitter.In a video, simply titled "Taylor Swift," Bredesen's campaign cribs Swift's song, "Look What You Made Me Do" with a slate aimed at his opponent, Republican Rep. Marsha Blackburn, that reads, "Look What Marsha Made Her Do." The video then proceeds to clip together news coverage of Swift's unexpected endorsement, with reporters repeatedly noting the move is "out of the norm" for Swift.Swift, in a lengthy Instagram post on Sunday, decried Blackburn, a Republican representative who has run toward President Donald Trump in her bid for the Senate."Running for Senate in the state of Tennessee is a woman named Marsha Blackburn," Swift wrote. "As much as I have in the past and would like to continue voting for women in office, I cannot support Marsha Blackburn. Her voting record in Congress appalls and terrifies me."Swift slammed Blackburn for not backing equal pay for women, against reauthorizing the Violence Against Women Act and for her views on gay marriage."These are not MY Tennessee values," she wrote before backing Bredesen and Rep. Jim Cooper, who is running for Congress in a safely Democratic seat.Bredesen is looking to surprise Democrats and Republicans alike and win a Senate seat in Tennessee, a state that backed Trump by 26 percentage points in 2016.On Tuesday he congratulated Swift for winning an award at the American Music Awards and tweeted a seemingly homemade video thanking her for her endorsement."Taylor, I want to just say thanks so much for your endorsement this past weekend and for the very kind words you said about me," said Bredesen, the former governor of Tennessee. "When people like you who are in a position of influence speak out on issue, it's really important and I admire you for it very much." 1998

PHOENIX— A man is accused of doing dozens of beer runs at Valley Circle K locations since late last year.Phoenix police report that on Aug. 15 they arrested 45-year-old Larry Pinkney for 60 thefts at two Circle K stores in south Phoenix. Police say from November 2017 until Aug. 15 of this year, Pinkney stole cases of Budweiser and Bud Light from Circle K. Nearly all of the thefts were from the store near 24th Street and Southern Avenue. Surveillance pictures and video allegedly show Pinkney taking the beer from the stores in each of the incidents. Police say during each incident he carried the beer in the same way and exited in the same direction. In many of the burglaries, he wore the same clothes. Upon his arrest, Pinkney reportedly told police that he sells the beer for a case. Circle K reports the total loss at over ,500.Pinkney has been charged with 60 counts of theft. 945