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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

It’s nearly winter and nearly time to unpack your hats, gloves, snow pants, boots and all. But what about protecting the center of your face from the snow and cold?A company in the U.K. is selling “nose warmers” or little earmuff-type clothing for your nose. According to the company's website, “Our business started small, with one nose warmer made specifically to do the job of warming up a nippy nose! Our owner soon realized that she wasn't the only one with this problem and so.....THE NOSE WARMER COMPANY was born.”The nose warmers come in fleece, faux fur or wool, and have a variety of prints like Zebra, giraffe and cow. The nose warmer itself fits over the wearer’s nose, and ties or straps around the person’s head. They cost about (about 7 pounds).For more information, click here.  820

It's a day Vasti Morris has been anticipating for over two decades.“This is the citizenship packet from immigration, so I became a citizen today,” she exclaims.Morris has been working towards getting her citizenship since she came to America 21 years ago as a refugee from West Africa. “Liberia, we had civil war for a very, very long time, and just somewhere where you didn't have to worry about if there's going to be a war or am I going to eat today,” she says. “So, it was a dream and that dream came true.”But going from refugee to student to U.S. citizen was a difficult journey.Immigration attorney Chirag Patel of Baltimore says the requirements for immigrants are changing almost daily, making the process longer and harder.“There are a lot of restrictions coming into play this fiscal year,” says Patel.After completing the N-400, the application for naturalization, and submitting it to the United States Citizenship and Immigration Services, the government then takes a deep dive into your history through a long list of questions. Those questions include topics like criminal history, polygamy and deportation.“They really do scrutinize everything,” Patel says.After finally finishing the 20-page application, the screening process begins, and so does the waiting game. This application eventually ends up at a field office, where the applicant waits for an interview and a test.“It could take about a year before you get an interview,” Patel explains.In fact, a year is best case scenario, Patel says. And if you make a mistake on your application, you may have to start over.“We have to make sure we know everything to be able to get through this process properly,” he says.As for that test, Patel says, “You have to study for the civics exam and make sure you know all of the U.S. history and the political questions.”Even if an applicant makes it to the test portion, they could continue to wait up to four months to be approved.“A lot of people don't understand how difficult it is,” Morris says.Morris, who is a nurse studying for her PhD, can now add “American citizen" to her resume, which means she can vote.“I’m so excited,” she says gleefully. “November 6, I'm going to vote.”It’s a day Morris says she’ll never forget, as she reflects on the struggles it took to finally get her citizenship.“I didn't know I was going to be emotional,” she says. “It’s just knowing that this moment is finally here.”It was a drudging path to a dream--one she says was worth every second. 2518

It has been a political dream for Democrats for years: Turning Texas, and its 38 Electoral College votes, blue. Could 2020 be the year that such a progressive dream becomes a reality?THE POLLSPolls suggest a close race. Real Clear Politics, which averages recent polls, puts President Donald Trump up by just 0.2% in Texas. A CBS News poll from early July found presumptive Democratic Nominee Joe Biden trailing by just 1 point in the state. Trump won Texas by more than 800,000 votes in 2016. RECENT MOVESOn Monday, Biden announced the hiring of six staffers in the state, including senior advisers, a state director and a communications director. Not every state has a team in place, so the move suggests Team Biden believes it can force Trump to campaign more in Texas. Biden has also launched digital ads in recent days commemorating the Walmart shooting in El Paso one year ago. Trump, for his part, visited Texas last week and tweeted about Texas several times. 979

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

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