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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 many states, there's no punishment for adultery. But in North Carolina, it can be a serious offense, as one man came to realize last Thursday.A judge ordered Francisco Huizar III to pay .8 million to Keith King, whose wife he had been seeing for 16 months.Why so much? Well, most of the money awarded consisted of punitive damages, solely meant to penalize the defendant. But about .2 million of it was in compensatory, or tangible damages.King's attorney, Joanne Foil, said that after finding out about the ongoing infidelity of his wife, Danielle Swords, his company lost revenue and an employee --- his wife. The pair eventually separated.King filed the suit on grounds of criminal conversation, alienation of affection, intentional infliction of emotional distress, negligent infliction of emotional distress, and assault and battery. 853

INDIANAPOLIS (AP) — University of Notre Dame students are now subject to mandatory coronavirus testing with stricter penalties if they leave town before getting their test results after thousands of fans stormed the football field and threw parties to celebrate a double-overtime upset over Clemson.Notre Dame President, the Rev. John Jenkins, said in an email Sunday that students must undergo coronavirus testing before leaving South Bend, Indiana, for the winter break.Jenkins says if a student is exposed or tests positive, they must quarantine on campus for two weeks. Students who don't complete the test can't register for classes.According to the Associated Press, students will face "severe sanctions" if they host a large gathering.As of Monday afternoon, the university's online COVID-19 dashboard showed six new cases reported on Sunday, giving the school 1,382 total positive cases among students and staff members. Of that total, the school estimated 221 active cases.In a resolution passed Thursday, Notre Dame's Faculty Senate formally expressed disappointment in Jenkins for failing to wear a mask at Amy Coney Barrett's nomination ceremony at the White House Rose Garden, the AP reported. Jenkins tested positive for COVID-19 in October. 1263

It’s the news glioblastoma patients in St. Lucie County feared they’d hear: There are more cases than they knew of.This week Scripps station WPTV in West Palm Beach, Florida reported on 11 glioblastoma cases in the Fort Pierce-area, discovered through word of mouth from the patients and their families.For two days, more people wrote to WPTV, telling us about other people they know with the disease, which affects just 13,000 people each year in the U.S.When WPTV broadened the focus area to include all of St. Lucie County, our number now increased to roughly 30 cases over the last five years. Several more cases date with the few years previous to that.The Florida Department of Health confirms it is monitoring their concerns and considering how to move forward.The Florida Department of Health in St. Lucie County has also met with some of the Glioblastoma patients and families.Patients like Kevin Perry say they never anything about the disease.“You hear about cancer all the time, but Glioblastoma? No,” Perry said.He was diagnosed in 2016 shortly after he had a seizure.“Some days you feel like you’re brand new. Other days you feel like its all over you,” Perry said.Perry’s wife, Ronna, is among the now dozens of local families wanting to know if their cases warrant a bigger investigation.I would like to know if there’s something going on. Or, is it just getting more prevalent.”Thursday, when WPTV’s glioblastoma count was around 13, we spoke with Dr. Chaim Colen, a neurosurgeon who has treated some of the local patients.“It’s definitely high. Is that a coincidence? I don’t know,” Dr. Colen said.Other doctors have also reached out to WPTV expressing their concerns as well that something could be contributing to their illnesses, not only in St. Lucie County but around the Treasure Coast.“Definitely want more tests,” Perry said.For a glioblastoma support group, click here.  1925

In newly-released guidance from the CDC, the federal agency cautions front-line workers to avoid interacting with those who violently protest not wearing masks.This comes as many states now require masks to be worn in all public indoor locations, such as retailers and grocery stores. Despite state laws, many top retailers have already cautioned employees against enforcing mask rules.The CDC guidance encourages companies to provide training for employees on how to handle these situations.The guidance says that employees should not attempt to force anyone who appears upset or violent to follow COVID-19 policies. The guidance also applies to other related COVID-19 policies, such as limits on household items or food products).To read the full guidance, click here. 778

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