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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

OTAY MESA, Calif. (KGTV) - A vintage biplane had an emergency at a South Bay airport Tuesday, sending it skidding off the runway and onto its nose. The incident with the single-engine Stearman plane was reported at Brown Field Municipal Airport, 1424 Continental St. The pilot and one passenger were on board but escaped without injury, San Diego Fire-Rescue Chief Colin Stowell reported on twitter. The plane had minor damage. Stowell tweeted that the FAA and NTSB were notified about the crash to investigate its cause. City News Service contributed to this report. 575

Police in Ohio are searching for a man who pulled out a gun in a McDonald’s drive-thru because he was upset the restaurant didn’t have any McMuffins available.WKBN-TV reports that two men in a black Ford Taurus went through a McDonald’s drive-thru in Warren, Ohio  at about 3:40 a.m. on Wednesday morning. The man appeared to be in their early 20s.When told the restaurant did not have any McMuffins at the time, the driver of the car pulled out a gun and called the McDonald’s employee “an offensive name,” according to WFMJ-TV. The pair then sped away.According to the Associated Press, no one was hurt during the incident. The manager of the store told Warren police that he would review surveillance footage to see if the incident was caught on video. 768

PACIFIC BEACH, Calif. (KGTV) - An eye-catching, yet dilapidated historic home in Pacific Beach is on the market for the first time in more than 80 years.Built in 1907, it’s known as the Handley House after the family that bought the home in 1936.The family is finally selling it after it sat vacant and continued to fall into disrepair.It’s listed for ,000,000 by Rachel Wilkins with Team Z at EXP Realty.The main home was granted historic preservation status in 1992 under the Mills Act. Because of this, it cannot be demolished.However, two structures on the back of the property can be torn down.The house was designed in the New England Colonial Revival-style with a Gambrel Roof, one of Hollywood’s favorite styles for horror movies.Adding to the mystique, a man’s body had recently been found inside the back unit of the home a month after he had died.Nevertheless, an open house attracted dozens of people Thursday afternoon interested in purchasing the home. 976

PHOENIX, Ariz. -- Whether you're a cat person or a dog person, this story is sure to warm your heart. It has a sad start, but a heartwarming end.The Sunshine Dog Rescue based out of Phoenix rescued a dog they have named "Georgia", an Australian Shephard Mix, found living at a gas station near the US-Mexico border, by Rocky Point.They quickly learned Georgia was pregnant. Sadly, none of Georgia's puppies survived. They were all born prematurely. Anita Osa, founder of Sunshine Dog Rescue, says Georgia was heartbroken after losing all of her babies."I've never had a mom dog lose a whole litter before. The best way I could describe it was she was frantic. It was so sad, she was looking for those babies. She tore up the toddler mattress we had her on, trying to find her babies," said Osa.Hoping to start Georgia down the path of healing, Osa put out a call for help on Facebook, looking for any animals that needed a lactating mother dog. What she ended up with was a trio of newly orphaned kittens, who also needed a mother.Osa said she initially wondered if a dog would accept kittens as her babies, but she was surprised to see the instant bond they formed."I introduced them to her gently. I first bought one out and let her sniff it, and she seemed to accept it, so I brought the others out. It's amazing to see how she instantly calmed down," said Osa."I think for the kittens, they have no idea that Georgia is a dog," she added.Georgia is even allowing her new kitten kids to nurse on her, although her milk production is low."They do nurse on her. She cleans them and everything but the bond is strong. It's really something to see, she protects those kittens just as if they were her babies," said Osa. 1726

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