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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

It's been six years since Culver's introduced a new custard flavor. On Thursday, they announced six new flavors coming soon on their website.The flavors will come out each month, starting on May 10 with Cappuccino Cookie Crumble and going all the way through October. Here's a list of the new flavors and the descriptions on Culver's website: 375

It has been more than two weeks since the Camp Fire devastated parts of California, especially the community of Paradise, but for one pet owner, not all was lost. Andrea Gaylord had to go several weeks not being allowed to return home due to the fire, which was the deadliest in California history. When Gaylord returned home on Wednesday, her dog was there waiting for her. According to KXTV, lost her home in the Camp Fire. But she considers herself fortunate. "You could never ask for a better animal," Gaylord told KXTV. "You really couldn't."Gaylord had some assistance from an animal rescue volunteer who was allowed inside of the evacuation zone. Shayla Sullivan took care of Gaylord's other dog Miguel, which is also Madison's brother. Sullivan would leave food and water at what was left of Gaylord's home in hopes that Madison would come around. Gaylord said when she pulled up to her home in Paradise, Madison was there waiting for her. "Imagine the loyalty of hanging in in the worst of circumstances and being here waiting," Gaylord told KXTV "It was so emotional." 1121

IRVINE, Calif. (KGTV) -- The fast-moving Silverado Fire is threatening several homes in the Santiago Canyon area near Irvine forcing the evacuation of 60,000 residents Monday morning. The blaze erupted just after 6:45 a.m. in the area of Santiago Canyon and Silverado Canyon roads, and within an hour consumed about 50 acres. In a press conference just after 4 p.m. Monday, fire officials said the fire grew to 7,200 acres with 0% containment.Crews are battling flames and smoke amid strong wind gusts reaching up to 70 mph. The region is under a large plume of smoke creating unhealthy air quality prompting warnings to residents to stay indoors and limit outdoor activity. Five Cal Fire San Diego engines left to help fight the fire Monday morning, contributing to the 500 personnel fighting the blaze.Approximately 20,000 homes evacuated, Orange County Fire officials said.Mandatory evacuation orders were issued for the Orchard Hills community north of Irvine Boulevard from Bake Parkway to Jamboree Road. The evacuation order affected roughly 60,000 people, according to the Orange County Fire Authority.MAP MAY TAKE TIME TO LOAD.EVACUATION CENTERS#SilveradoFire has grown to 2,000 acres. All air support has been grounded due to high winds. If you are in the evacuation area please evacuate immediately. See below for school list evacuation. pic.twitter.com/0wFIp9UIU8— OCFA PIO (@OCFA_PIO) October 26, 2020 1423

It is yet unknown what time Thursday White House staff learned that Hope Hicks, a senior advisor to President Donald Trump, tested positive for COVID-19. However, there are reports she had symptoms Wednesday night and attempts were made to quarantine her from staff.Here is a look at Trump’s movements Thursday and people he may have come into contact with.President Trump attended a fundraiser at his golf club in Bedminster, it is not known exactly how many people attended. He and close aides left the White House Thursday afternoon without talking to the media.The president also participated in a roundtable event, coming into close contact with dozens of people, including campaign supporters.The president did not wear a mask Thursday at the events at his golf course or on the plane, according to the Washington Post.He was tested after he returned to the White House late Thursday night. He did not talk to the media when he returned to Washington.Thursday night the president spoke to Fox News host Sean Hannity by phone and tweeted statements about he and the First Lady's positive results. Hicks showed symptoms following a Trump campaign rally in Minnesota Wednesday night, according to CNN and other media. She had spent time that day with the president and other presidential advisors, then flew to the rally together on Air Force One. Multiple reports state Hicks was quarantined on the plane back to Washington, D.C. and deplaned by the rear steps. So far, close aides, Chief of Staff Mark Meadows and the Vice President and Second Lady have all tested negative for the coronavirus.However, the president’s diagnosis is likely to raise questions about the rapid testing system at the White House, which is known to have a lower accuracy rate than more intrusive COVID-19 tests.The president is expected to conduct official and political events from the residence — including a call on Friday with senior citizens about the coronavirus. 1960