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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

PITKIN COUNTY, Colo. — A bear attack inside a home left one person with "severe swipe injuries" early Friday in the Aspen, Colorado, area.Randy Hampston, public information officer for the northwest region of Colorado Parks and Wildlife, said a call about the attack came in at 1:28 a.m.Hampston said the house, which is located in the Clear Creek neighborhood outside Aspen, has a lever door handle on its front door. He said some newer homes have this feature to be ADA compliant, but it makes entry much easier for bears."You’re talking about a 400-pound animal — they can push down with enough force to sometimes pop those locks," he said.The homeowner heard noises in the living room and went to check on it, Hampston said. Then, he saw the large bear.The bear swiped at the him, leaving him with severe lacerations to his head, neck and face.The bear then ran out of the home, Hampston said. Other family members in the house called 911.The injured homeowner was transported to a hospital with severe injuries to his face and neck, according to CPW. He is undergoing surgery, but is stable and his injuries are not life-threatening.Hampston said CPW has been receiving reports of a bear in the area and believes this was the same one. He said he also believes it's the same bear that has been reportedly getting into trash in the area over the past few years. Past attempts to haze or trap it to relocate it elsewhere have been unsuccessful.Wildlife officers are working in the area. A search for the bear is underway with the help of tracking dogs.Because DNA evidence was collected in the home, wildlife officers will be able to test the DNA of a suspected bear to ensure it's the same one.Once they find the bear, it will be euthanized due to its history of run-ins with humans and this attack, Hampston said.He said while it's not rare to see a bear around Aspen, it is uncommon for one to get inside a home.This marks the first bear attack in Aspen this year.Three people reported a bear attack in Aspen last summer, he said. A hiker was attacked while walking along the Hunter Creek Trail, one person was attacked outside a resort, and a restaurant manager was bitten by a bear at a trash bin.CPW recommends visiting its website to learn about how to bear-proof your home.This story was originally published by Stephanie Butzer at KMGH. 2356

PARADISE HILLS (KGTV) -- A Paradise Hills nursing home sees a surge in COVID-19 cases, worrying the families of those who live in the facility.According to the administrator of Reo Vista Healthcare Center, 71 residents and 28 staff members have tested positive for COVID-19. One resident passed away. State data from Monday shows Reo Vista Healthcare Center with the highest one-day positive patient total in the county.“Eight residents are currently hospitalized in stable condition. The remaining residents who tested positive for COVID-19 are isolated at the facility with mild symptoms,” said Curtis White, Reo Vista Healthcare’s administrator.White added that four employees have recovered and the remaining who have tested positive are also self-isolating with mild symptoms.Cesar Noriega’s 90-year-old mother is currently staying at Reo Vista. She has also tested positive for the virus. “I was terrified,” he told Team 10.“It’s a staggering number by any measure,” said Mike Dark, an attorney with California Advocates for Nursing Home Reform. He is not affiliated with Reo Vista Healthcare.Dark said California rules require nursing homes to come up with testing plans to cover all residents and health care workers. “The problem has been an execution of those plans. It’s been spotty at best,” Dark said.Another concern at nursing homes is the staff, which typically consists of certified nursing assistants. He said many often work at multiple places due to low pay.“When the virus comes into a facility and they’re exposed to it, they can carry it unwillingly into another facility that they’re working at,” Dark said.Noriega said he likes Reo Vista, but he needs to think of his mother’s health. “What happened with the outbreak there, it’s tragic. It’s unfortunate, so I need to get my mom out. I can’t leave my mom there,” Noriega said.The facility currently holds about 135 residents and 150 staff members, according to White. He said a baseline COVID-19 test was conducted on May 28th and a second round of testing occurred between June 16 and June 18. Test results came back on June 27.“This incident underscores the service and sacrifices made by our dedicated team every day. We’re grateful for their continued effort. Our top priority remains the health and well-being of everyone in our facility,” White said. 2339

Police in Connecticut says they've arrested a Jerry Thompson for allegedly decapitating his landlord.Hartford Police Department officials say they were called to a residence Sunday afternoon to check on the well being of Victor King, who neighbors had not seen in over a day.When officers arrived at the house, they found King's body on the kitchen floor, partially covered up with a sheet."It was soon discovered that the victim had sustained severe trauma to several parts of his body by means of a bladed instrument," officials said in a press release to E.W. Scripps.King called police Saturday morning, stating that he and his roommate Thompson were reportedly disputing over rent, CNN reported. But police officials tell E.W. Scripps that "the accused has been non-verbal for the past three months, as claimed by the landlord. There is no record of an 'argument.'""A suspected murder weapon, a samurai sword, was recovered 10 miles away in the Farmington River by members of the HPD Dive Team after the suspect was arrested," officials told E.W. Scripps.On Sunday evening, police said, Thompson was apprehended without incident. He was charged with murder, and his bond was set to million. 1206

PHOENIX (AP) — Cindy McCain will advise Democrat Joe Biden's presidential transition team as it prepares for the former vice president to take office if he wins in November. Biden's transition team announced Monday that McCain will be the second Republican on the 16-member advisory board. McCain, a Republican, endorsed Biden last week. "Joe and I don't always agree on the issues, and I know he and John certainly had some passionate arguments, but he is a good and honest man," McCain tweeted. "He will lead us with dignity."McCain is the widow of former Republican senator and 2008 presidential nominee John McCain. Biden's transition team is preparing for a smooth transfer of power should Biden win the presidency. The teams typically line up candidates for key appointments and prepare to implement policies early in the new president's administration. 867