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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

INTERACTIVE MAP: See where the Hill Fire is burning in Ventura County(KGTV) — Fire crews battled back flames from the Hill Fire burning near Thousand Oaks overnight Friday.The blaze has burned more than 4,500 acres and contained to 70 percent as of Sunday morning. On Friday, crews had estimated the fire to have burned about 6,100 acres.While low humidity and high winds have made fighting the nearby Woolsey Fire difficult, crews Friday encountered minimal active fire activity with the Hill Fire, according to the Ventura County Fire Department.At least one firefighter has been injured fighting the fire, and several hundred structures have been threatened. Surprisingly, no structures have reportedly been destroyed.The fire is burning in a south-southwest direction, VCFD said. About 800 personnel have been assigned to the Hill Fire. 883

In cities across America, volunteers stand armed and ready to fight a different kind of virus infecting the planet."Everything's changed right now. Everything is to-go, so it's turned into a disposable society again," said Miah Earn.Earn lives in Hillcrest, an urban neighborhood in San Diego, California. She's out on the streets cleaning up liter, protecting the city she's called home for over 30 years."It's a mess out here. It really is," said Earn. "I'm seeing masks and gloves everywhere. I don't understand why people can't hit the garbage with them."Ian Monahan is with I Love a Clean San Diego and says they've seen more trash in general during the pandemic. "Increased packaging, whether it's to-go containers, whether it's PPE, whether it's shipping products. Unfortunately, it's ending up on the streets, and we've got to protect it, so it doesn't get into the ocean or waterways at the end of the day," said Monahan. During a global clean-up event this month, Monahan says for the first time they'll be tracking the amount of PPE collected. "It's actually a whole new anomaly in our clean-ups. We really didn't see them before. And mostly it's the disposable masks, which people think are paper, they're actually plastic," said Monahan. Eventually, they will break down into microscopic pieces that will outlive us hundreds of years, and they can threaten wildlife and food supplies.Around the world, it's estimated nearly 200 billion disposable face coverings and gloves are being used each month because of the pandemic.The environmental conservation organization OceansAsia is documenting this new pandemic of pollution, capturing video of disposable face masks washing up on one of Hong Kong's most remote islands."Once you see this, you can't really unsee it," said Mitch Silverstein, chapter manager for Surfrider Foundation San Diego County.The nonprofit is piloting a program to make clean-ups more convenient, loaning the tools to businesses for the public to borrow. Volunteers have the option to fill out a data sheet with what they collected, which now includes PPE. Data collected around the world could help inform policy for products doing the most damage."Use reusable items, a reusable mask, reusable gloves when you're cleaning up," said Monahan. They say it will take a global shift in thinking to heal mother earth from what some call this human-made sickness. 2402

IRVING, Texas – In a letter sent to scouting families Monday, the Boy Scouts of America (BSA) announced its support of the Black Lives Matter movement.The BSA’s National Executive Committee pointed out that the organization wasn’t living up to one of the 12 points of The Scout Law – bravery.“Brave means taking action because it is the right thing to do and being an upstander even when it may prompt criticism from some,” wrote the committee. “We realize we have not been as brave as we should have been because, as Scouts, we must always stand for what is right and take action when the situation demands it.”The BSA went on to say that there is no place for racism in scouting or in its communities, and it won’t be tolerated.“We condemn the murders of George Floyd, Ahmaud Arbery, Breonna Taylor and all those who are not named but are equally important. We hear the anguish, feel the heartbreak, and join the country’s resolve to do better,” the committee wrote.The organization also said it would be introducing a specific diversity and inclusion merit badge that will be required to become an Eagle Scout.“It will build on components within existing merit badges, including the American Cultures and Citizenship in the Community merit badges, which require Scouts to learn about and engage with other groups and cultures to increase understanding and spur positive action,” wrote the committee.Additionally, the BSA is also committing to reviewing every element of its programs to ensure diversity and inclusion are ingrained at every level for participants and volunteers by applying a standard that promotes racial equality and denounces racism, discrimination, inequality and injustice.It’s requiring diversity and inclusion training for all BSA employees starting July 1 and taking action toward introducing a version for volunteersAnd lastly, the organization is conducting a review of property names, events and insignia to build on and enhance the organization’s nearly 30-year ban on use of the Confederate flag and to ensure that symbols of oppression are not in use today or in the future. 2115

INDIANAPOLIS -- For the more than 100 supporters who crowded a second-floor meeting room – and overflowed into a ninth-floor ballroom – the United Methodist Church’s hearing in Indianapolis Friday about Rev. David Meredith was a referendum on their own place in the church.Meredith, an openly gay man who has served as the pastor of Clifton United Methodist Church in Cincinnati since 2012, was called to Indianapolis for a hearing before the UMC’s North Central Jurisdictional Committee on Appeals.At issue is whether his 2016 marriage to his partner of three decades, Jim Schlachter, disqualifies him from remaining as an ordained minister within the UMC.READ MORE | Gay United Methodist Church pastor to stand 'trial' in IndianapolisThe challenge was raised by a group of 11 UMC denomination members, including at least two fellow clergymen, shortly after Meredith and Shlachter’s wedding. In letters sent to the UMC’s West Ohio Conference, the objectors cited the denomination’s Book of Discipline, which states that homosexuality is “incompatible” with Christian teaching:“While persons set apart by the Church for ordained ministry are subject to all the frailties of the human condition and the pressures of society, they are required to maintain the highest standards of holy living in the world. The practice of homosexuality is incompatible with Christian teaching. Therefore self-avowed practicing homosexuals are not to be certified as candidates, ordained as ministers, or appointed to serve in The United Methodist Church.” 1550

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