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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

INDIANAPOLIS -- A suspected drunk driver whose middle name is “Tequila” crashed into three cars across from the Children’s Museum of Indianapolis before fleeing on foot Sunday morning, according to police.The crash happened shortly before 1:30 a.m. on Sunday in Indianapolis, just across from the museum.According to an incident report, 33-year-old Alisha Tequila Jefferson was driving a 2006 Dodge Charger when she collided with three vehicles parked on the street.Police said Jefferson fled on foot, but was found hiding in the bushes a short distance away.Jefferson was arrested on preliminary charges of OWI, driving while suspended and leaving the scene of an accident. 682

It may not have been an Oscar, but Dwayne Johnson graciously accepted the award anyway."The Rock" posted a video Sunday on Instagram accepting a Razzie for last year's "Baywatch." The Golden Raspberry Awards, known as the Razzies, celebrate the best of the worst in Hollywood.Along with the video, the star wrote, "So let me go ahead and take this "L" right on the chin for Baywatch. Win some, lose some, but hey... that's the way love goes.""Happy Oscars Sunday!" he said in the video. "I'm super pumped and very proud for my buddies who've been nominated tonight, pulling for you guys to bring home the gold. I'm also excited because I was just informed that I too am bringing home the gold tonight."  716

It may not be a hospital, but these essential workers are on the frontlines teaching children while schools are shut down and relieving parents who can’t work from home.“We can be open for those parents who have nowhere else to go, who have no one else to turn to,” said Katie Taves, the lead teacher for remote learning at Boingo’s Academy in Visalia, California.This program is making an incredible impact on parents like Lorraine Filimeno. The single mother of five is also an essential worker. She helps families sign up for unemployment benefits and financial assistance.“We are out in the community. We deal with people every day, but we’re also parents,” said Filimeno.When schools closed, Filimeno needed some help herself figuring out how to balance work and her kids’ remote learning.“My employer wasn’t going to wait for me. You know, everyone is replaceable,” she said. The mother was worried she might end up needing help from her own office. “Was I going to have to get on unemployment? I had seen people come into our office and start asking for applications and being worried, and I said, ‘Is that going to be me?’” recalled Filimeno.She reached out to the day care her daughters went to for after-school care and found the teachers were ready to help.“If it wasn’t for child care like Boingo’s, I don’t know what I would do,” she said.Before COVID-19 hit, a large part of the day care was used as an after-school playground. Now, it’s turned into a remote learning classroom for dozens of students in different schools and grades.The Boingo’s Academy pre-school got a waiver from the state to take on extra elementary school students for all-day distance learning and spots filled up almost instantly.“Some of these kids can’t even read yet, let alone find the link you’re telling them to find. They need somebody there with the computer,” said Taves.This relief comes with a cost. For Filimeno, keeping the career she loves and paying for childcare meant training for a second job.“Without a second income, I cannot afford childcare for 40 hours a week for three kids. It’s very costly," she said. "I know there’s resources out there for me-- cash aid and food stamps--but as I’ve worked for over 25 years. I had gotten off of those assistances."Now, the single mom is worried, like so many parents in her shoes, that COVID-19 will erase her years of financial stability.“When this all hit, it felt almost like I was rewinding my life. I wanted to give up as a parent and say, ‘I’m done with working. I can’t afford this.’ But you look at your children, and you say, ‘I gotta get back together, I gotta get going,” said Filimeno.The mother even battled COVID-19 and was sick for a month, but now, she is back to work and is making sure she can provide for her kids.With the many layers of stress falling onto parents and teachers, the children have a tough time, too.“When I see a child not able to follow along, it’s heartbreaking,” said Taves. “Sometimes, it just becomes so overwhelming and they’re just not able to do it, and there’s not much I can do but encourage them. Their little spirits get broken; it’s so sad."But, these teachers won’t give up, and these parents can’t give up, because they’re working for a future only these children can dream up. 3286

INDIANAPOLIS, Indiana — Police have arrested an Indianapolis man on a charge of murder in connection with the death of his friend on the Near Eastside earlier this month.Dewayne Sims, 32, was taken into custody Thursday night on a warrant for charges of murder and being a felon carrying a handgun in connection with the death of 36-year-old Earl Whitney.Whitney was found shot and killed inside a home in the 500 block of North Tacoma Avenue just after 6:30 p.m. on March 8.According to a probable cause affidavit filed Monday, a witness told police that Whitney had brought home his longtime friend, Sims. Both appeared to be possibly intoxicated, according to the witness.At one point in the evening, Whitney reportedly attempted to get Sims to leave. Sims, the witness said, had dozed off. When Whitney tried to rouse him, Sims reportedly said, “Who is you?”Whitney reportedly responded, “It’s me, cuz” – at which point Sims allegedly shot him. According to the witness, Sims shot Whitney once, paused, then shot him two more times. Sims then allegedly fled the residence.An autopsy of Whitney determined he died of a gunshot wound to the torso.According to the affidavit, Sims was on GPS monitoring through Marion County Community Corrections at the time the shooting took place. The device “reported insufficient,” though, meaning that it “did not have a clear view of satellites to report a valid location.”As of Friday evening, Sims was being held without bond at the Marion County Jail. An initial hearing had not yet been set. 1549