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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

Phoenix police say a woman has died in an officer-involved shooting Wednesday evening. The incident happened near 43rd Avenue and Union Hills Drive around 7 p.m.Police say no officers were injured in the shooting.According to police, around 6:45 p.m. officers responded to a call of shots fired in the area. As officers arrived, a woman reportedly ran out with an AR-15 style rifle and fired shots which prompted officers to return fire, hitting the woman.Police say the woman was pronounced dead at the hospital. No further information was immediately available.  592

Pandemonium erupted Sunday night in Atlanta at a Lil Wayne concert that ended with at least a dozen people receiving minor injuries, police said.People tried to flee after somebody in the crowd reportedly yelled that gunshots had been fired, Atlanta Police Public Affairs Officer Jarius Daugherty told CNN.Some concertgoers reported they hurt their ankles and were cut trying to jump fences.Video from the event posted on social media showed concert goers fleeing in a panic.Police responded and cleared out the Georgia Freight Depot in the Old Fourth Ward area.Daugherty told CNN police have found no evidence of gunshots.Lil Wayne, one of hip hop's biggest stars, was only a few songs into his set. 708

Pharmacy chains CVS and Walgreens announced on Monday that they have started administering coronavirus vaccines to those living and working in assisted living facilities.The announcement comes on the same day Modern’s coronavirus vaccine began being administered throughout the US. Moderna’s vaccine was the second to receive an emergency use authorization from the FDA. Last week, Pfizer’s coronavirus vaccine began being administered nationwide."Today's rollout is the culmination of months of internal planning and demonstrates how the private sector can use its expertise to help solve some of our most critical challenges," said Larry J. Merlo, President and Chief Executive Officer, CVS Health. "I'm grateful for the herculean efforts of everyone involved, including our health care professionals who will be deployed throughout the country to bring peace of mind to long-term care facility residents, staff, and their loved ones."Pharmacy chain Walgreens said last week that it will be working with 35,000 assisted care facilities throughout the US in the coming weeks and months in administering the coronavirus vaccine. Last week, CVS announced plans to vaccinate those working or living in 40,000 assisted living facilities.Walgreens expects to vaccinate 3 million residents and staff at facilities throughout the US. CVS did not announced how many people they expect to vaccinate through the program.Walgreens said it will be administering coronavirus vaccines to residents and staff at 800 facilities spread across 12 US states this week.CVS and Walgreens are expected at some point to administer the coronavirus vaccine to the general public, but when is still a major question. Currently, a limited number of vaccines are making their way to health care workers and those living and working in assisted living facilities.President-elect Joe Biden said his administration’s goal is to have 100 million Americans vaccinated by the end of April, but that figure represents less than one third of the US population.“Walgreens is very proud to be a part of this historic milestone to begin administering Pfizer’s COVID-19 vaccine to our most vulnerable populations,” said John Standley, president, Walgreens. “With more than a decade of experience administering various vaccines, we have the deep expertise to support this unprecedented effort to allow our nation to emerge from this pandemic.” 2411

PARIS (AP) — Kenzo Takada, the iconic French-Japanese fashion designer famed for his jungle-infused designs and free-spirited aesthetic that channeled global travel, has died. He was 81. The family said Takada died from complications from COVID-19. Takada retired from his house in 1999 to pursue a career in art, but it remains a respected fixture in high Paris fashion. Since 1993, the brand Kenzo has been owned by luxury goods company LVMH. He studied fashion in Tokyo before relocating to Paris and taking over a boutique there in 1970. The fashion house said he was "an emblematic personality in the fashion industry — always infusing creativity and color into the world." 686

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