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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

Outside his home, Joshua Nola and his dog, Bud, love spending time together on their daily walks.“No matter what, when I come home, he’s always happy," Nola said. "He’s always in a great mood. He always has a smile on his face."It’s a bond he values deeply. Nola is a U.S. Marine Corps veteran, who deployed to Afghanistan and when he returned home, felt something was off.“I’ve dealt with depression with stuff, dealing with a little bit of survivor’s guilt,” he said. “I have friends that I knew in the Marine Corps, whether on their deployment or after coming home, who just aren’t here anymore. And it got to the point where I was tired of burying brothers.”Those feelings are not unusual for veterans. The VA says more than 1.7 million veterans get treatment for mental health each year.Enter the non-profit Pets For Patriots.“Very simply, Pets For Patriots seeks to give veterans a new pet friend, while saving the most overlooked, undervalued shelter dogs and cats around the country,” said Beth Zimmerman, who founded the nonprofit.Zimmerman said the organization works to help veterans heal emotionally while helping pets in need do the same.“There were two different populations--veterans and shelter animals--that had different, but very complementary needs,” she said. “And if I could find a way to bring them together in a really intelligent way and an innovative way, that it would help both of them.”In the 10 years since Pets For Patriots began, the program has paired together nearly 3,000 veterans with shelter pets around the country. They help not just with the adoption, but also with the pet’s lifelong care.“We inspire veterans to adopt these animals by providing a range of benefits to make pet adoption affordable over the life of that pet,” Zimmerman said.Yet, it amounts to more than that, said Nola.“They’re constantly in contact. They’re asking how I’m doing, how [Bud’s] doing, " Nola said. 'If there’s anything they can do, help with anything, they’ve kind of become like a part of the family.”Zimmerman said that’s part of the goal.“Time and time again, you just see these stories where the veteran heals himself or herself by helping the pet overcome what he or she has been through,” she said. “And it's really pretty amazing.”Back in New Jersey, Nola and Bud continue on their path to healing together.“I wanted to save a dog, just as much as I kind of thought it would save me,” he said.If you would like more information on Pets For Patriots, click here. 2499

Pinal County Sheriff's Office says an electronic road sign showed an offensive message overnight in Queen Creek. Several viewers of Scripps station KNXV in Phoenix reached out Friday morning regarding a road sign along Hunt Highway that said "Hail Hitler". According to PCSO, the department first received a call about the sign around 2:30 a.m. A private company reportedly owns the sign and Pinal County officials say they were unable to reach the company for help at that time. They also reached out to Pinal County's public works department for help, but they too were unable to turn off the sign. Crews eventually covered up the sign so it could no longer be seen by passing drivers. KNXV crews headed out to the area later Friday morning where workers were on scene and confirmed the sign no longer had the offensive message.KNXV has reached out to the company for comment on the incident but has not yet heard back.  970

Police in Bismarck, North Dakota, want to put AR-15 rifles in some schools so school resource officers can respond more quickly in the event of an active shooter.Police asked for almost ,000 in their 2019 budget request to buy the rifles, heavy body armor and bleeding control kits for the city's nine high schools and middle schools, Bismarck Police Chief Dave Draovitch told CNN.The money will also be used to buy a safe at each school to keep the equipment away from students, teachers and staff."The SROs (school resource officers) will be the only ones who have access to this equipment," he said.The cost would be split with the school system."Hopefully we never find ourselves in a situation of an active shooter. But if we do, we really want to make sure that our SRO's are equipped with the tools that they need to do their job effectively," Bismarck Public Schools safety coordinator Becky LaBella told CNN affiliate KFYR.Draovitch said Bismarck school resource officers are police officers and are trained to respond immediately to stop an active shooting."Whatever they have to do to stop that threat, that's what we expect our officers to do," Draovitch said.They keep AR-15s and the other emergency equipment in their vehicles, but that's not as useful if there's an active shooting situation inside the building."If something happens they're not going to have time to go running out to their cars," Draovitch said. "All we're trying to do is make it more accessible so they can get to it more quickly."AR-15s are lightweight, rapid-fire rifles. Besides being used by law enforcement, the guns have been used in some of the most notorious and deadly mass killings in recent history.Draovitch says having the bleeding control kit -- which has tourniquets, gauze and other supplies for treating gunshot wounds -- could be the most important part of the plan."If, God forbid, something does happen, getting aid quickly is going to be key," he said.He said city officials began discussing the plan after the February 14 shooting at Marjory Stoneman Douglas High School in Parkland, Florida, that killed 17 students and faculty."After that happened, we really got to talking with our schools about what can we do better, what can we do differently," Draovitch said.The city will vote on the budget next month and Draovitch expects it will pass. If the money is approved, they will get the equipment in January."We're just trying to plan for the worst and we're always hoping that we never have to use this stuff," Draovitch said. 2569

Our engineers are working to resolve a voice and data issue that has been affecting customers around the country. We’re sorry for the inconvenience and hope to have this fixed shortly.— Neville (@NevilleRay) June 15, 2020 229