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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

INDIANAPOLIS -- Firefighters at an Indianapolis fire station opened the door early Friday morning to a one-of-a-kind request for help: A frantic woman, distressed because her pet raccoon was stoned off of too much weed.The raccoon, according to Wayne Township Fire Dept. PIO Capt. Michael Pruitt, had been exposed to "too much" of someone else’s marijuana, and its owners were worried it was overdosing. Not knowing what to do, they brought it to Station 82.“The raccoon was very lethargic,” Pruitt said. “She started explaining what had happened. There wasn’t really much we could do, it was just the sort of thing that was going to take time.”Recordings of Southwest District’s radio chatter show the raccoon had IMPD officers baffled as well -- at first, simply over what substance the raccoon was, in fact, high on.“Apparently they have a pet raccoon that got into their meth,” an unidentified officer is logged saying at 3:57 a.m.Listen to audio of police trying to decipher the situation below: 1008

In the coming weeks and months, several coronavirus vaccines will begin making their way to our cities in a hope to curtail the spread of a virus that has put a halt on our everyday lives and filled the nation's hospital rooms.Yasir Batalvi, 24, signed up for one of these trials and was among the first Americans to be vaccinated against the coronavirus. The Boston-area resident was among those who participated in Moderna’s coronavirus vaccine trial.Moderna’s vaccine has been hailed as a medical breakthrough. The vaccine has been considered 94.1% effective against the virus. According to Moderna, none of the thousands who were given two shots of the vaccine had severe COVID-19 symptoms. That is compared to 30 patients who were given a placebo who had symptoms.While the vaccine could nearly eliminate the number of hospitalizations and deaths associated with the virus, the shot might result in some symptoms."I actually had some pretty significant symptoms after I got the second dose. Once I got the second dose, I was fine while I was in the hospital. But that evening was rough. I mean, I developed a low-grade fever, and fatigue and chills," Batalvi told CNN.But by the next day, Batalvi said he felt “ready to go.”In an interview with CNN last week, Operation Warp Speed chief scientific adviser Moncef Slaoui said that 10 to 15% of those immunized had noticeable side effects.“Most people will have much less noticeable side effects. That frankly -- in comparison to a 95% protection against an infection that can be deadly or significantly debilitating -- I think is an appropriate balance," he told CNN.Batalvi was entered in a double blind trial, meaning he doesn’t know if he was given a placebo or the actual vaccine."I hope once this vaccine comes out, people feel confident taking it. I mean, I'm right here: I took the vaccine -- it was all right. I think we can get through this," he told CNN.In order to obtain an emergency use authorization, the FDA will weigh the vaccine’s benefits against possible side effects. 2049

INDIANAPOLIS – A veteran and retired postal worker missed his funeral after his remains were lost in the mail delivery process.The ashes of Richard Nelson, who once served in the Navy, remain missing.Years after leaving the military, Nelson headed for Arizona and left specific instructions to his family on how he wanted services handled following his death.In July, the funeral home in Arizona mailed Nelson’s remains on August 1, and the tracking number stated it was to arrive in Indianapolis on August 2.Nelson’s nephew, Scott Hare, had plans to drive the ashes to Michigan for services – but he never received the package.The memorial service went on as scheduled and the cemetery plot next to his parents had to be refilled until further notice."I have to keep telling people I don't know anything, there's no closure,” said Hare.Hare said his moments of sorrow were overcome with pride.“At some point, I had to laugh,” said Hare. “He retired from the post office and was lost at the post office. I'm sure he's laughing somewhere.”The post office released a statement: 1083

IRVINE, Calif. (KGTV) -- A new study claims that hookah could be more dangerous than other forms of smoking. According to the University of California study, one in five college students in the US and Europe have tried it. According to researchers who conducted the study, one draw from a pipe can contain as many substances as an entire cigarette. “Hookah mainstream smoke – that which is directly inhaled by the user – has many toxic and harmful chemicals, such as nicotine, which can lead to tobacco addiction; irritating carbonyl compounds; and benzine, a known carcinogen,” said lead author Veronique Perraud, a UCI assistant project scientist in the Department of Chemistry. “And due to the greater volume inhaled for every puff and the longer duration of a smoking session, the hookah oftentimes delivers a higher dose of those chemicals to the smoker.”The study also found that the hookah produces an outsized amount of carbon monoxide mainly due to the burning charcoal. According to the university, the study is the first to look at ultrafine particles. Particles researchers say pose a significant health risk. “One of the big myths about hookah usage is that the water in the bowl actually filters out the toxic chemicals, providing a shield for the smoker,” Perraud noted. “In the study, we show that this is not the case for most of the gases and that, possibly due to its cooling effect, water actually promotes ultrafine particle formation.” 1465