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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

Pandemonium erupted Sunday night in Atlanta at a Lil Wayne concert that ended with at least a dozen people receiving minor injuries, police said.People tried to flee after somebody in the crowd reportedly yelled that gunshots had been fired, Atlanta Police Public Affairs Officer Jarius Daugherty told CNN.Some concertgoers reported they hurt their ankles and were cut trying to jump fences.Video from the event posted on social media showed concert goers fleeing in a panic.Police responded and cleared out the Georgia Freight Depot in the Old Fourth Ward area.Daugherty told CNN police have found no evidence of gunshots.Lil Wayne, one of hip hop's biggest stars, was only a few songs into his set. 708

POINT LOOKOUT, Mo. (AP) — A convicted felon has been charged with abducting two Christian college students and forcing them to perform sex acts on each other at gunpoint after they violated curfew and were locked out of their southwest Missouri campus.Robert Hyslop, 49, of Branson, Missouri, is jailed without bond on charges of kidnapping, sexual abuse and sodomy, the Springfield News-Leader reported. No attorney is listed for Hyslop in online court records. He could face life in prison if convicted.College of the Ozarks, in the small town of Point Lookout, has a 1 a.m. curfew. Gates to the front entrance, known as the Gates of Opportunity, remain locked until 5 a.m.Charging documents say the two students, a male and a female, arrived back at campus 10 minutes too late in the early hours of Oct. 29, so they went to a nearby commuter lot to sleep.Hyslop, who was on probation for a 2017 drug conviction, told Taney County investigator Dan Luttrell that he had been high on methamphetamine for three days when he spotted the sleeping students around 3 a.m., court records say. Hyslop allegedly used a hammer to smash the passenger window, showed a gun, and got inside the car.Luttrell said Hyslop admitted forcing the male student to drive to a highway lookout. Once there, he allegedly forced the students to perform sex acts on each other, and forced the woman to touch him sexually.Hyslop then told the students to drive him back to his car, Luttrell wrote. The students contacted police and gave a detailed description of their attacker and his vehicle. He was arrested several days later. Charges were filed Thursday.College of the Ozarks spokeswoman Valorie Coleman said the college received a report about the incident on Oct. 29 and issued a campus safety alert on Oct. 30. She declined further comment about the alleged crime.Sue Head, the college's vice president for cultural affairs and dean of character education, said students can call a 24-hour security number to unlock the gate."We do have the phone number posted clearly at the front gate," Head said.Coleman and Head said there are legitimate reasons for students to break curfew, including working off-campus jobs. But, she said, "If they are habitually late, they are going to have to have a conversation with the dean of students."Coleman said the college has offered the students confidential counseling."We are sick over this incident for the students. We are trying to protect their privacy," Coleman said. "The fact that all the details have been in the media, I just hate that for them."A campus for another school, Ozarks Technical Community College, also is near the commuter lot. That college was not notified of the alleged crime, spokesman Mark Miller said."We are a little bit concerned that neither C of O (College of the Ozarks) or Taney County reached out," Miller said. 2885

Passengers who refuse to wear a mask or face covering could get banned from flying with some of the major U.S. airlines.On Monday, Airlines for America (A4A), an organization that represents major U.S. airlines, announced it will increase its enforcement of face coverings. According to A4A, major U.S. airlines will implement the following policy updates regarding face covering:Preflight Communications: Each airline will clearly articulate its individual face covering policy in communications with customers, which may require passengers to acknowledge the specific rules during the check-in process.Onboard Announcements: Onboard the aircraft, crew members will announce specific details regarding the carrier’s face covering policy including the consequences passengers could face for violating the policy.Consequences for Noncompliance: Each carrier will determine the appropriate consequences for passengers who are found to be in noncompliance of the airline’s face covering policy up to and including suspension of flying privileges on that airline.“U.S. airlines are very serious about requiring face coverings on their flights. Carriers are stepping up enforcement of face coverings and implementing substantial consequences for those who do not comply with the rules,” said A4A President and CEO Nicholas E. Calio in a press release. “Face coverings are one of several public health measures recommended by the CDC as an important layer of protection for passengers and customer-facing employees.”Airlines implementing these new policies include Alaska Airlines, American Airlines, Delta Air Lines, Hawaiian Airlines, JetBlue Airways, Southwest Airlines and United Airlines.Passengers flying with airlines represented by A4A are assigned the following rules:All passengers are required to wear a face covering throughout the travel journey on the leading U.S. airlines, as clearly stated on each airline’s website.Additionally, travelers are urged to stay home when ill, frequently wash their hands and to wear a face covering throughout their air travel journey, consistent with CDC guidance.Starting June 18, United Airlines passengers who refuse to wear a mask or a face covering could be placed on an "internal travel restriction list," according to a report from ABC News' Gio Benitez..@United: “Starting on June 18, any passenger that does not comply [with mask policies] when onboard a United flight will be placed on an internal travel restriction list.”— Gio Benitez (@GioBenitez) June 15, 2020 This story was originally published by KJ Hiramoto at WFTS. 2584

PASADENA, Calif. (KGTV) -- A float in the Rose Parade unexpectedly caught fire Tuesday morning. Video shows the Chinese American Heritage Foundation’s train float proceeding down its normal route when suddenly smoke begins to appear. Later in the video, the float can be seen stopping, backing up traffic along the route. The Rose Parade’s Twitter account tweeted that the fire was due to “technical difficulties.” One of the 2019 #RoseParade floats is experiencing technical difficulties at Orange Grove and Colorado. Thank you for patience and cooperation with law enforcement!— Rose Parade (@RoseParade) January 1, 2019 630

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