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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

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

PHOENIX (AP) — The 5,200 active-duty troops being sent by President Donald Trump to the U.S.-Mexico border will be limited in what they can do under a federal law that restricts the military from engaging in law enforcement on American soil.That means the troops will not be allowed to detain immigrants, seize drugs from smugglers or have any direct involvement in stopping a migrant caravan that is still about 1,000 miles from the nearest border crossing.Instead, their role will largely mirror that of the existing National Guard troops — about 2,000 in all — deployed to the border over the past six months, including providing helicopter support for border missions, installing concrete barriers and repairing and maintaining vehicles. The new troops will include military police, combat engineers and helicopter companies equipped with advanced technology to help detect people at night.RELATED: Christ United Methodist Church at capacity, needs help preparing for incoming migrant caravanThe extraordinary military operation comes a week before the Nov. 6 midterm elections as Trump has sought to transform fears about the caravan and immigration into electoral gains. On Tuesday, he stepped up his dire warnings, calling the band of migrants fleeing poverty and violence in Central America an "invasion.""Our Military is waiting for you!" he tweeted.Traveling mostly on foot, the caravan of some 4,000 migrants and a much smaller group of hundreds more are still weeks, if not months, before reaching the U.S. border. Thousands have already dropped out, applying for refugee status in Mexico or taking the Mexican government up on free bus rides back home, and the group is likely to dwindle even more during the arduous journey ahead.Another smaller caravan earlier this year numbered only a couple hundred by the time it arrived at the Tijuana-San Diego crossing.And despite the heightened rhetoric, the number of immigrants apprehended at the border is dramatically lower than past years. Border Patrol agents this year made only a quarter of the arrests they made in 2000 at the height of illegal immigration, when the agency had half of the staffing it does today. The demographics have also drastically changed, from mostly Mexican men traveling alone, to Central American families with children.RELATED: Wait times for citizenship applications stretch to 2 yearsMigrants arriving at the border will now see a sizable U.S. military presence — more than double the 2,000 who are in Syria fighting the Islamic State group — even though their mission will be largely a support role.That's because the military is bound by the Posse Comitatus Act, a 19th- century federal law that restricts participation in law enforcement activities. Unless Congress specifically authorizes it, military personnel can't have direct contact with civilians, including immigrants, said Scott R. Anderson of The Brookings Institution.Instead, the large troop deployment will be limited to performing similar support functions as the National Guardsmen and women Trump has already sent to the border.These include 1,500 flight hours logged by about 600 National Guard troops in Arizona since they were deployed this spring. Members of the guard have also repaired more than 1,000 Border Patrol vehicles and completed 1,000 hours of supply and inventory, according to Customs and Border Protection.In one case, a group of Border Patrol agents tracking drug smugglers in the remote Arizona desert in August called on a National Guard helicopter to keep an eye on the suspects and guide agents on the ground until they had them in custody. That operation resulted in several arrests and the seizure of 465 pounds of marijuana.In addition to the 5,200 troops being deployed this week, the Pentagon has put another 2,000 to 3,000 active-duty troops on standby in case they also are needed at the border, a U.S. official said Tuesday, speaking on condition of anonymity to discuss a detail that has not been publicly announced.The troops were being sent initially to staging bases in California, Texas and Arizona while Customs and Border Protection works out precisely where it wants the troops positioned.It remains unclear why the administration was choosing to send active-duty troops given that they will be limited to performing the support functions the Guard already is doing."Sending active military forces to our southern border is not only a huge waste of taxpayer money but an unnecessary course of action that will further terrorize and militarize our border communities," said Shaw Drake, policy counsel for the American Civil Liberties Union's border rights center at El Paso, Texas.The California National Guard has pledged up to 400 troops to the president's border mission through March 31. Jerry Brown, the only Democratic governor in the four states bordering Mexico and a frequent Trump critic, conditioned his support on the troops having nothing to do with immigration enforcement or building border barriers.Brown said the California troops would help fight transnational criminal gangs and drug and firearms smugglers.In New Mexico, 118 Guard troops have been helping with vehicle maintenance and repair, cargo inspection operations, surveillance and communications.Texas Gov. Greg Abbott pledged 400 troops to the border in April. Maj. Gen. John Nichols, the head of the Texas National Guard, told Congress in July that his troops served in a "variety of support roles," including driving vehicles, security monitoring, and administration. 5568

Pharmacists will be instrumental in getting the first round of COVID-19 vaccines out, especially for the most vulnerable.Walgreens and CVS have a deal with the U.S. Department of Health to go into more than 50,000 long-term care facilities. Both companies are still recruiting pharmacists, nurses and pharmacy technicians.“I am absolutely supportive of getting a vaccine and I will be the first in line when I am eligible to get one. I believe in vaccines. I believe in the science of vaccines,” said Tasha Polster, who deals with pharmacy quality, compliance and patient safety at Walgreens.Once the vaccine is more widely available, people will be able to sign up online to get the vaccine at a pharmacy location.Walgreens plans to work with communities to set up COVID-19 vaccine sites in other locations, like they do with the flu shot.“We work with churches and local community centers in underserved populations to bring the vaccine to those patients that would you know need them,” said Polster.Speaking of the flu, the pandemic has brought some encouraging news on that front.Walgreens created special map models to show what the flu season has done so far this year compared to last year. They show there’s been far less activity.Walgreens attributes that not only to COVID-19 safety precautions, but to what they call an unprecedented demand for flu shots, which you can still get. 1399

PlayStation 4's latest update gives parents a lot more power.On Wednesday, Sony rolled out a PS4 software update for its gaming console with several new features -- most notably, the ability for adults to restrict how long a child uses the system.Other new features include more personalization and improved image quality for games played on HDTVs.Adults can now keep track and control the length of PS4 playtime for children. It's possible to set up certain hours when playing is allowed -- like 10:00 a.m. to 1:00 p.m. on weekends -- and automatically log out the user when time is up.Related: Game on: Video game consoles are flying off shelves againThe new parental control feature earned praise from Chris Byrne, content director at review site TTPM.com, which stands for toys, tots, pets and more."Parents today are really trying to limit screen time for kids and contextualize it. This is a really nice, strong feature for parents," he told CNN.Nintendo Switch -- one part mobile, one part home console -- already has a similar feature.Launched in 2013, PlayStation 4 has been a big hit for Sony. It has sold over 70.6 million units worldwide as of December 2017.The software update comes amid increased competition from brands such as Xbox and Nintendo. The one-year-old Nintendo Switch console sold more units over its first ten months than any other console ever. But the PS4 remains the current market leader.For PS4 players, some games will look better. With the new "supersampling mode," games that render to a higher resolution on a 4K TV will downscale to match the HDTV. This will create a better image clarity without requiring a 4K TV.The update also brings more personalization to the console, such as the ability to upload your own photos and set them as your wallpaper. New tabs make it easier to see what's been recently installed and purchased, and there's also a custom friends list that shows who's online.Related: The CEO who saved Sony is stepping downWhile this particular update may not be a game changer, it shows customers the company is continuing to improve the console over time, according to Mat Piscatella, a games industry analyst at NPD.A bigger draw is the PlayStation 4's huge library of games, including best-selling titles such as "Call of Duty" and "Madden," and content exclusively available on the PS4, including "Bloodborne" and "Horizon: Zero Dawn.""Sony has also done a masterful job in promoting the console and in bringing new ways to play to PlayStation 4, such as PlayStation VR," Piscatella said.The-CNN-Wire? & ? 2018 Cable News Network, Inc., a Time Warner Company. All rights reserved. 2653