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Police bodycam footage shows a man body-slamming a suspect who was resisting arrest in Provo, Utah, police said.Officer Austin Williams was responding to a Sam’s Club on July 24 for a welfare check when a man attacked the officer, then fled on foot.As he was fleeing, bodycam video shows an unidentified man lift the suspect in the air and slam him to the ground."Chief Ferguson wants to thank that person for coming to the aid of an officer in need. We take pride in serving and protecting in Provo, so we are grateful to the unknown person who returned the favor and helped us safely take a dangerous person into custody," the department said in a Facebook post.The suspect was arrested and is facing charges including assaulting an officer. 756

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

Police arrested a limousine company owner's son Wednesday in connection with the weekend crash in Schoharie that killed 20 people, according to the company's lawyer.Nauman Hussain, whose father, Shahed, owns Prestige Limousine Chauffeur Service, was arrested during a traffic stop on Interstate 787, according to New York State Police. Nauman Hussain is an "operator" for Prestige, police said.Charges are pending for Nauman Hussain, the state police said.Officer Kerra Burns, a state police spokeswoman, declined to say whether the arrest was related to the crash, but Lee Kindlon, who is representing Prestige, told CNN it was connected to the Saturday accident.The arrest came as state officials and Kindlon offered conflicting accounts on whether the stretch Ford Excursion should have been on New York's roads when it crashed in Schoharie, killing 20 people.Gov. Andrew Cuomo flatly stated this week that the vehicle failed a state inspection, meaning it shouldn't have been in service, and that the driver did not have a proper license to operate the vehicle. Attorney Lee Kindlon says neither claim is true. 1122

PALM BEACH COUNTY, Fla. -- An unmasked man pulled a gun on a masked shopper and threatened to kill him during an apparent confrontation over face coverings at a Florida Walmart, deputies said.According to the Palm Beach County Sheriff's Office, the store's security video shows Vincent Scavetta pushing an older man in a wheelchair through the Royal Palm Beach store on July 12.In the video, a man with his young daughter approach Scavetta and exchange words. Witnesses said the man made a comment about Scavetta not wearing a mask.The video shows Scavetta giving the shopper the middle finger before pulling a handgun from his waistband, deputies said."I'll kill you," Scavetta said, according to an arrest report.Scavetta faces charges of aggravated assault with a deadly weapon and improper exhibition of a firearm. 826

PHILLIPS STATION, Calif. (AP) — Winter storms have blanketed California's Sierra Nevada in snow, but the drought-prone state is still off to another drier-than-normal start to the crucial wet season, state officials said Thursday.California water managers said Thursday the Sierra snowpack is only 67 percent of normal in this winter's first manual measurement. The amount of snow is measured monthly through the winter at more than 260 locations to help water managers plan for how much they can deliver to customers later in the year.As snow in the Sierra melts in the spring and summer, it flows into reservoirs for storage and provides drinking and agricultural water for much of California. The snowpack supplies about 30 percent of the state's water needs, according to the Water Resources department.WEATHER: Check the 10News Pinpoint ForecastPrecipitation has bounced up and down as the state continues to recover from a devastating drought that led to tight water restrictions for residents and farmers. Persistent drought has also dried out trees and brush, contributing to severe wildfires.Gov. Jerry Brown declared a formal end to a three-year drought emergency in 2017, but said water conservation efforts must continue."The last few years have shown how variable California's climate truly is and what a profound impact climate change has on our water resources," Karla Nemeth, director of the California Department of Water Resources, said in a statement.More than 92 percent of California is considered abnormally dry, or in moderate, severe or extreme drought, according to the U.S. Drought Monitor, a project of several federal agencies and University of Nebraska-Lincoln. That's up from 56 percent a year ago.California typically gets about two-thirds of its annual rainfall between December and March.A storm is expected to drop snow and rain on much of Northern California, including the Sierra, this weekend and into next week, the National Weather Service said Thursday.At Phillips Station, a water measurement site near Lake Tahoe, officials on Thursday measured 25.5 inches (65 centimeters) of snow and a snow water equivalent of 9 inches (23 centimeters) — about 80 percent of average for the early January survey."We still have three wet season months ahead of us, so there's time for the snowpack to build and improve before it begins to melt, which usually starts happening around April 1," Michael Anderson, climatologist for the water department, said in a statement. 2506

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