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INDIANAPOLIS -- A suspected drunk driver whose middle name is “Tequila” crashed into three cars across from the Children’s Museum of Indianapolis before fleeing on foot Sunday morning, according to police.The crash happened shortly before 1:30 a.m. on Sunday in Indianapolis, just across from the museum.According to an incident report, 33-year-old Alisha Tequila Jefferson was driving a 2006 Dodge Charger when she collided with three vehicles parked on the street.Police said Jefferson fled on foot, but was found hiding in the bushes a short distance away.Jefferson was arrested on preliminary charges of OWI, driving while suspended and leaving the scene of an accident. 682

In this image taken on May 20, 2020 at the Kennedy Space Center, engineers and technicians insert 39 sample tubes into the belly of the rover. Each tube is sheathed in a gold-colored cylindrical enclosure to protect it from contamination. Perseverance rover will carry 43 sample tubes to the Red Planet's Jezero Crater. 328

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 -- An Indianapolis woman was moved to tears after seeing random strangers' response when a man using a wheelchair was flung after hitting a pothole. Carissa Brammer was driving on 86th Street Wednesday morning when she stopped at a stoplight.A man crossing the walk in his motorized wheelchair hit a "damn pothole," as she called it, and went flying forward.He was lying flat on his back in the middle of the intersection when people came running to help. "The first guy out was a suit and tie guy in his Lexus," she wrote. "Then an Asian man in his Lexus. Then a furniture delivery man. Then a couple black men. It was beautiful. The guys just kept coming."The stop light went through several rotations, but nobody moved or honked until the man was safely on the other side. Check out Brammer's full post below: 853

In photos, the Hart family was all smiles, projecting an image of a diverse, modern family with two white mothers and six adopted children.The family of eight smiled, wrapped their arms around each other and sometimes held feel-good signs like: "Love is always beautiful" and "Free hugs." A photo of one of their children, Devonte went viral in 2014 after he held such a sign. But beneath the veneer, there were cries for help from the kids, reports from neighbors and allegations of child abuse. Neighbors described troubling encounters with the kids crying for help and asking for food, one of which prompted a report to Child Protective Services in March. 667