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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

Is the Oprah Winfrey halo starting to fade from Weight Watchers?Weight Watchers shares fell nearly 15 percent Tuesday after the company reported a decline in subscribers between the first and second quarters.But the market may be overreacting to a calendar problem.For the past few years, Weight Watchers has reported a similar dip in subscribers during that period. The rolls grow again as the year progresses, which makes sense.People are often gung-ho about exercising, eating better and losing weight right after the winter holidays. But New Year's resolutions can be hard to maintain in the spring and summer.Even though some subscribers drop out in the first few months of the year, total subscribers are actually way up since Winfrey joined. The base grew 28 percent from a year ago to 4.5 million.In the third quarter of 2015, the company had fewer than 2.6 million subscribers.Despite the big drop in the stock Tuesday, the company's latest profits actually topped forecasts, and it raised its outlook.Shares in the company are up nearly 80 percent this year and have skyrocketed more than 1,000 percent since Winfrey first invested about million.Weight Watchers has done an extraordinary job over the past few years of making the company's programs more exciting for a broader base of people, particularly since Mindy Grossman — formerly of HSN — took over as CEO last year.The new Weight Watchers Freestyle program lets you eat a wider variety of food. Weight Watchers has also partnered with meditation company Headspace to provide exclusive content on the Weight Watchers app to its subscribers.It's all about wellness, not necessarily how many pounds you've lost.Grossman said during an earnings call with analysts Monday evening that beginning next January, no artificial ingredients will appear in any Weight Watchers-branded products. And she quoted Winfrey, who said at a Weight Watchers event in February that "healthy is the new skinny."In addition to Winfrey, who is also a board member and the company's third largest investor with a 5 percent stake worth about 0 million, Weight Watchers has brought on actor Kevin Smith, music star DJ Khaled and celebrity chef Eric Greenspan as "ambassadors" for the company.So there is no issues with Oprah's halo. Weight Watchers still looks pretty healthy. 2337

It was supposed to be a raucous, week-long, open floor debate on immigration -- the President's signature issue and such a contentious topic that Democrats shut the government down over it just a month ago.Instead, it was the incredible shrinking immigration debate, which lasted roughly one hour on the floor and ended without a single amendment passing to protect DACA recipients or send a cent of funding for President Donald Trump's border wall."I'm ready to move on," said Louisiana Republican Sen. John Kennedy. "We wasted a whole week here. And I'm ready to move on. There are other issues in front of us."Fingers were pointed in all directions as members retreated from the floor, defeated, frustrated and downright mad that after weeks of negotiations, the best chance they had to broker a deal ended without any resolution for a population everyone agreed they had wanted to help.A group of bipartisan lawmakers -- the same group responsible for helping end a government shutdown weeks before -- fumed at the White House's treatment of their proposal, which they argued could have inched toward passage, had the White House stayed on the sidelines rather than actively lobbied against them.On the floor of the Senate, Sen. Susan Collins, a moderate Republican from Maine, was frustrated that the amendment her group had brokered without Sen. Chuck Schumer, the Democratic leader, was being referred to as the Schumer amendment. The name undermined the entire point of her group's efforts: that it had been reached by the middle, not by party leaders. Collins could be heard telling colleagues that the move was "so wrong."Sen. Mike Rounds, a Republican from South Dakota, acknowledged "there were a few games being played.""You don't forget 'em, but you just roll with them," Rounds said.Just hours after senators had reached an agreement on a plan that provided a path to citizenship for DACA recipients in exchange for billion in border security, the administration began their effort to undermine the amendment. President Donald Trump issued a veto threat. And in a briefing call with reporters Thursday, two administration officials, one of them a White House official, called the bill "outrageous" and "irresponsible," and argued it would "put many innocent lives at risk.""The bill is so spectacularly poorly drafted, I mean unless you imagine it was drafted for the purpose of gutting immigration enforcement," the White House official said, before the officials criticized Sen. Lindsey Graham, R-South Carolina, who fought back."I could care less about what an anonymous White House official says. I'm looking for leadership from the White House, not demagoguery," Graham told reporters.Sen. Chris Coons, a Democrat from Delaware, said he blamed the White House "a great deal.""It is striking to me that the White House and the Department of Homeland security actively and aggressively campaigned against the McCain-Coons bill and the bipartisan Rounds-King bill and yet both of those bills got more votes significantly then the White House- initiated Grassley bill," Coons said.Sen. Lisa Murkowski, a Republican from Alaska, lamented that the White House had missed an opportunity."I fear that you've got some within the White House that have not yet figured out that legislation almost by its very definition is a compromise product and compromise doesn't mean getting four Republicans together and figuring out what it is that those four agree on, it is broader," she said.GOP efforts to kill amendment 3535

Investigators spoke to hundreds of people in the search for clues about Mollie Tibbetts' disappearance, but weeks after she vanished it was security camera footage that finally gave them a first glimpse of the man accused of killing her.The 20-year-old student went missing on July 18 in Brooklyn, Iowa, after going for a jog. Authorities charged Cristhian Bahena Rivera, 24, with first-degree murder charges on Tuesday.Here's how investigators arrested Rivera and how they found a body believed to be that of Tibbetts.They were caught on home surveillanceHer whole family, her hometown and dozens of investigators joined forces looking for the University of Iowa student. They put Tibbetts' photo on yard signs, store windows and thousands of shirts around Brooklyn, a small community an hour east of Des Moines.As the weeks passed, a reward for information on her whereabouts kept growing and reached nearly 0,000. Investigators got thousands of tips, rolled out an interactive website to help jog the public's memory, and even looked into Tibbetts' data from a fitness tracker.About a week or two ago, a neighbor gave police his security cameras.They watched the footage for hours before they could spot Tibbetts, said Rick Rahn, a special agent in charge at the Iowa Division of Criminal Investigation.The footage showed her running through an area east of Brooklyn and a car moving close to her. The black Chevy Malibu drove back and forth numerous times before it just started following her, according to an affidavit.They linked the car to Rivera and "from that we were able to track his pattern in the routes in which he took," Rahn said.He didn't resist when authorities tried to detain him on Monday, Rahn said.Tibbetts ran off and suspect chased her, authorities sayAfter his arrest, Rivera told authorities he saw Tibbetts running and "pursued her in his vehicle." Later, he parked the car and started running near her."And then, at one point, he tells us that Mollie grabbed ahold of her phone and said, 'You need to leave me alone. I'm going to call the police.' And then, she took off running and he, in turn, chased her down," Rahn said during a news conference on Tuesday.Rivera says that at some point, he panicked, got mad and doesn't remember what happened next, according to the affidavit.The next thing he remembers is being at an intersection in rural Poweshiek County and driving to a cornfield, court documents say.When he noticed an earpiece from headphones on his lap, he realized he had put the woman in the trunk of his car. When he went to get her out of the trunk, he "noticed blood on the side of her head," according to the affidavit.What we know about the suspect charged with killing Mollie TibbettsA body covered in corn leaves is foundOn Tuesday, Rivera led authorities to a body hidden in a cornfield near Brooklyn, officials say.The suspect said in an interview that he put the woman's body over his shoulder and took her about 20 meters into the cornfield, court documents say.He left the body face up and covered it with corn leaves, the document states.Rivera used his phone to show investigators the route he took to the cornfield from Brooklyn, officials said.A body, dressed in Tibbetts' clothing, was recovered Tuesday but authorities have yet to confirm its identity.An autopsy to determine when and how the woman died is pending.When asked why a body was not previously found in the area, Rahn said they "just didn't have success locating her.""I'm sure you've driven around the area and it's a rural county and there are a lot of fields, woods, ditches," he said.While authorities declined to discuss what may have motivated Rivera to approach Tibbetts, Rahn said he had seen her before but was drawn to her on that particular day.The-CNN-Wire 3803

Interim Chief of Police Vanessa Wilson will be tasked with regaining the fractured trust of Aurora, Colorado residents after she was appointed the city's permanent chief of police during a city council meeting Monday night."I am honored, humbled, and energized by the trust the city manager, mayor, and council has placed in me. Aurora is a city that has experienced many triumphs and tragedies, and we sit at a crossroads for our city's future," Wilson said in a prepared statement moments after the vote. "I am committed to leading the Aurora Police Department to be an active and engaged part of this community in building a collaborative and constructive path forward. We will be a transparent partner dedicated to making Aurora a safer city for all, with respect for our diversity, and embrace of unity, and continual conversation about how we can do better."“I believe that she is the right choice to lead the Aurora Police Department,” Aurora Mayor Mike Coffman tweeted Tuesday. “She has a lot of work to do to improve the image of this department and to rebuild trust between our officers and the community.”Wilson's appointment comes at a time when the embattled police department is under the spotlight for a series of controversies over the past year, most notably the violent arrest of Elijah McClain, who would die days later after encountering police the night of Aug. 24.The announcement came a few hours after it was revealed Aurora officers detained a Black family after mistaking their SUV for a stolen motorcycle from another state Sunday, the latest in a string of tarnishing encounters with residents in the community.Coffman said in an interview Tuesday that he believes Wilson is right for the job.“She is not afraid to make the tough decisions, and I believe that she is a person that can move this department forward,” the mayor said. “IT has had a lot of problems: Poor image, bad relationships with the community. So it is really going to take a tremendous effort and a lot of work to move the department forward, and I think she can do that.”Omar Montgomery, the president of the NAACP’s Aurora chapter, says he thinks that the recent incidents involving APD show that the department needs to take a serious look at the culture within the department and how it handles situations like the one on Sunday or the Elijah McClain incident.“We need something different because it seems like every other day there is something we are addressing related to the police department,” Montgomery said. “…If we can get rid of those officers and keep the ones that are doing a phenomenal job I think we will be on the right path to getting a police department that we, all combined, can trust.”Wilson was selected after a months-long nationwide search to replace Chief Nick Metz, who retired from the force Jan. 1.Wilson will continue to lead a department under scrutiny as communities around the nation reexamine the role and operations of police departments in the wake of George Floyd’s death.Marcus Dudley Jr., a commander with Aurora Police Department; Alexander D. Jones, a colonel and bureau chief for the Baltimore County Police Department; and Avery L. Moore, an assistant police chief with the Dallas Police Department, were the other three candidates vying for the position.Aurora City Council also on Monday unanimously passed a resolution banning Aurora police from using carotid holds, which was used on McClain the night of his violent arrest. The use of carotid holds had already been changed under department policy, but will now go before a final vote during the next city council meeting.KMGH's óscar Contreras was first to report this story. 3683

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