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Police in Troy, Michigan said a man armed with knives was shot and killed after charging at officers on Monday morning.According to police, they were called to the home on Saddle Brook for a domestic situation just after 7 a.m. on Monday.Officers followed the suspect, a 23-year-old man, and when he noticed officers, he started charging at them. Another officer in an unmarked car got out to distract the suspect, and then the suspect tried getting in an unmarked car.Police say he then turned toward the marked vehicle and started charging at the officer. The officer pulled out his taser and fired, but the taser was not effective and he kept charging toward officers.That's when the officer shot at the suspect several times, killing him.Police said it's been over 20 years since there was an officer-involved shooting in Troy. 849

PHOENIX, Ariz. -- A 17-year-old is in custody after reportedly firing a rifle at Department of Public Safety (DPS) troopers Thursday morning in Phoenix, and authorities are searching for a second suspect in connection with the incident.According to DPS Captain Jesse Galvez, on Thursday morning, two uniformed troopers were in their vehicle near 35th Avenue and Roosevelt Street when suspects in a vehicle passed and stopped nearby.The driver honked the horn as the teen got out and started firing an assault rifle, according to DPS.The troopers were able to exit their vehicle and return fire. At that point, the driver reportedly sped off, leaving the teen behind. He was then taken into custody. 706

PARADISE, Calif. (KGTV) -- The devastating Camp Fire claimed 88 lives and destroyed thousands of homes. “We start with a punch list every day and there's usually like 10-15 items on it and we usually get about 5 or 6 done,” said Battalion Chief Curtis Lawrie.Including filling out insurance papers, getting quotes from contractors. A drastically different new normal. “The place where you usually set your wallet, your keys, you don't have any of that routine.”The changes aren’t just affecting adults in town, children are feeling the impact as well. RELATED: San Diegans bring Christmas spirit to devastated Paradise following Camp Fire“Computer based schooling for now, until they get their school set in January, which will be over by the airport.”This Christmas, the Spirit of Liberty Foundation flew from San Diego to personally deliver presents, including donated NFL hats, White House ornaments and stuffed animals from the San Diego Zoo. While Lawrie says donations are still pouring in, his concern is years down the road. “They were in very toxic smoke for 24-36 hours without a break and you know that's going to have really bad effects on their physical being.”Looking back the firefight was emotional for everyone involved. “Two and a half hours into it, we realized it wasn't a fire fight anymore.”The focus then shifted to saving lives. “There was a period of about four hours where I didn't know if my family made it out.”Lawrie continued, saying he had to do his job and have faith others were helping as he was. “I'm really thankful that so many people helped each other, and I'd like to say the best part of humanity showed up that day.”Humanity that continues to give during the holiday season. 1724

Plano police remain on a mass shooting scene on Monday in Plano, Texas, where eight people -- including the suspect -- are dead.The shooting occurred at a home on West Spring Creek Parkway around 8:00 p.m. Sunday evening. That's where officers found seven dead bodies, and two others with gunshot wounds; those two were taken to the hospital.Plano officers confronted the suspect inside the home, where they shot and killed him. The officer who fired the shots has been placed on administrative leave. The Texas Rangers were also on scene investigating the shooting.The area around the shooting was closed Monday morning as police continue to investigate the scene. They are looking into a motive and the suspect's relation to the victims. 747

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

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