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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 splash of color painted the streets of Vice President Mike Pence's hometown of Columbus, Indiana on Saturday as the town hosted its first-ever Pride Festival. The colorful event featured live music, food and even a drag competition. This small town festival made big news because hometown boy, Vice President Mike Pence is known for being a conservative Christian who signed the 2015 religious protections law that created a legal defense for businesses that objected to serving LGBTQ customers. Columbus High School senior Erin Bailey, 18, came up with the idea and helped bring it to life. She said she hopes that Columbus Pride helps make the town a more welcoming place for everyone. PHOTOS | Columbus' first-ever Pride Festival?"We've never had anything like this in Columbus and were such a town with diversity and we have such a great community," said Bailey. "I thought that I should do something like this for it."Vice President Pence has weighed in on the festival in his hometown, commending Bailey for her activism and engagement in the civic process.  1135

In most states, it is illegal to sell or give tobacco products to someone who is 18 years old or younger.But many are increasing the legal age to 21 years old.Cincinnati, Ohio just became the 16th city in that state to do so. The state's minimum age is 18. (There is no minimum age at which someone in Ohio may legally use tobacco products.)Minimum ages for purchasing tobacco have been set at the state level dating all the way back to the late 1800s.Increasing the legal age is an effort to reduce habitual smoking among young people.The Centers for Disease Control and Prevention says most long-term tobacco use begins when a smoker is an adolescent, and nearly 90 percent of smokers have their first cigarette by age 18. 742

In the midst of a global pandemic, there's a new challenge to millions of Americans’ health insurance. The Supreme Court will hear arguments Tuesday on the Affordable Care Act.“If the ACA is repealed, millions of people across the country will lose access to their health care, but not only that, millions of people who have preexisting conditions will lose protections, which were put in place through the ACA that allows them to not be discriminated against from insurance companies,” said Rosemary Enobakhare, Director of HealthCareVoter.org.Texas is arguing the ACA is unconstitutional since Congress got rid of the tax penalty it carried if you didn't have insurance.Even though the high court has a new conservative judge and majority, legal experts don't think the justices will strike down the entire law.Even advocates for the ACA admit it needs to be improved, but don't want to see vulnerable populations lose coverage in the meantime.“When all the dust settles, and everything clears, and it's time to get to work, we’ve got to make sure to remind people what they ran on and we’ve got make sure that we have people fighting for folks in their lives and making sure they're prioritize health care,” said Enobakhare.Healthcare Voter would like to see Medicaid expanded in all states. They also want lower costs for prescription drugs.“In the United States, people pay 0 to 0 a viable. Folks who have diabetes need multiple vials of insulin in order to be able to manage their condition and so people are paying thousands of dollars, monthly, and this is with insurance to be able to stay alive. That is unacceptable,” said Enobakhare.The Supreme Court will not issue a ruling on the ACA until next year. 1728

It was a journey of love, driven by a mother's loss, stretching across a thousand miles of ocean as the world watched and wondered.An apparently grieving female orca whale who swam with the body of her dead calf for more than two weeks has stopped carrying the carcass, environmental officials said.The adult -- Tahlequah, or J35 as she is known by researchers -- and corpse were last seen definitively last week, 17 days after the baby's birth. The female calf died after a few hours. The mother, preventing her baby from sinking, had been nudging it toward the surface of the Pacific off the coast of Canada and the Northwestern United States. 653

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