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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

In this video grab issued Sunday, Aug. 30, 2020, by MTV, Lady Gaga accepts the award for song of the year for "Rain On Me" during the MTV Video Music Awards. (MTV via AP) 178

In recent weeks, President Donald Trump has claimed the increased mail-in voting could endanger the integrity of the 2020 election, despite ample evidence to the contrary. He's even threatened to delay the election over the issue — something he does not have the power to do under the Constitution.However, in a Tuesday afternoon tweet, Trump backtracked his stance on mail-in voting in at least one state: Florida."Whether you call it Vote by Mail or Absentee Voting, in Florida the election system is Safe and Secure, Tried and True," Trump tweeted. "Florida's Voting system has been cleaned up (we defeated Democrats attempts at change), so in Florida I encourage all to request a Ballot & Vote by Mail." 719

It started in New York, but today the group "Survivor Corps" is reaching thousands across the country.Long Island resident Diana Berrent created the group after testing positive for COVID-19 back in March."I wasn't the very first person to get COVID in my county, but I was among the first and at a point where we knew very little about the virus," said Berrent. "And with that came both a responsibility and this incredible opportunity to really change the shape of the future of science and the understanding of this virus through us, through survivors who have antibodies in our blood."On the Survivor Corps website, COVID-19 survivors can connect with research institutions across the country so their blood or convalescent plasma can be used to find a vaccine or treatment."I have now donated eight times, which is the full allotted times I was allowed to at the New York Blood Center," Barrent said. "But every one of those donations can save three to four lives."Her experience has inspired thousands on the Survivor Corps Facebook page to do the same. Like Tracy Eisen, a nurse living in North Phoenix who tested positive for the virus in April. She first joined the group to find support."It did feel at the time that there was a stigma. A lot of people were testing positive but we weren't seeing the numbers in Arizona that we're seeing now," Eisen said. "I went in and immediately posted and got so much support. Strangers really came to my aid."Now that she has recovered, Eisen said she has donated plasma once a week since May."My hope is that I'm helping to save some lives," she said.But many in the group, like Glendale resident Lotus Moreno, are still fighting."I was shocked to hear about how many people who have had it early on and are dealing with what everyone's basically been calling a relapse, because we really don't know what it is," she said.Moreno said she had COVID-like symptoms in February but tests weren't available at the time. She said she tested positive for the antibodies in April, which according to the Centers for Disease Control, indicates she was likely infected with the virus that causes COVID-19 at some point in the past.But three weeks ago, she says her COVID-like symptoms returned. She tested negative for the virus, but says her doctor believes it may be a false negative or post-COVID issues.She says the group is filled with people across the country who share similar stories."To be able to go in and talk to people who are going through it, just a complete mindset change to where you don't feel so isolated and you feel validated because that's very easy to be dismissed," Moreno said.Berrent says they are not medical professionals, but they have been bringing in professionals to join them on Facebook Live videos as an educational tool for members to learn and ask questions."We serve as a great resource for them to come lurk and let them see what people are talking about so they know what their studies should involve," Berrent said. "Because they are the ones who are going to be treating us for the next decade from the lasting impact of this virus."This story was originally published by Jamie Warren at KNXV. 3185

In happier news... thank you everyone who searched high and low. To the person who took the bear, thanks for keeping it safe. Vancouver is awesome. #FoundMarasBear https://t.co/X7FlyiR89P— Ryan Reynolds (@VancityReynolds) July 29, 2020 243