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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

INDIANAPOLIS, Indiana — The holidays are prime time for drinking alcohol, and typically the busiest time of year for drunk driving arrests.Central Indiana law enforcement agencies will be conducting sobriety checkpoints, which typically cost thousands of dollars each.WRTV television station in Indianapolis dug into the numbers to find out how many arrests police are making at checkpoints, and what it means for you on the road if you get stopped. 457

It's time to ring in the holidays as the Otay Ranch Town Center lights a Christmas tree. The event included unique street foods, handicraft items, free holiday crafts for kids and free cookies and hot chocolate while supplies last. Watch the entire tree lighting ceremony in the player below:  331

INDIANAPOLIS —  When educators lose their licenses due to misconduct, that doesn’t necessarily mean they can no longer work with children in Indiana.Todd Boldry, a teacher and basketball coach in Knox County schools, was arrested and charged for child seduction. The state revoked his teaching license in 2013 when Boldry voluntarily surrendered it in exchange for prosecutors dropping the criminal charges.Boldry went on to work with teens as a basketball coach for Indiana Dawgz, a travel team in northwest Indiana.While schools have to perform background checks when hiring, there’s no standard procedure for non-school sports teams, churches, volunteer groups, and other organizations.“It would surprise me very little,” said Mike McCarty, a former detective and owner of Safe Hiring Solutions, a Danville company that runs background checks on school employees.“Most volunteer organizations that work or serve with children, it’s a policy issue, it’s not a law issue,” McCarty said. “There’s no standard requirement and there’s no standard for what a background check is."McCarty said many groups make the mistake of relying on the state’s sex offender registry before hiring.“These registries can be terribly outdated, and they vary from state to state,” he said. “It’s very easy to be a convicted sex offender but not be required to register as a sex offender based on plea agreements or a reduction in sentence.”Some educators who lost their state licenses after they were convicted of crimes against children were not on the sex offender registry.Bruce Ryan was convicted in 2011 of sexual misconduct with a minor after an inappropriate relationship with a student at Charles A. Tindley School, but he’s not on the sex offender registry.Former MSD of Wayne Township administrator John Maples was convicted in 2013 of disseminating matter harmful to minors.Maples lost his educator license, but he’s not on the sex offender registry.Similarly, ex-IPS counselor Shana Taylor, accused of having sex with students, lost her state license, but is not on the sex offender registry after pleading guilty to three felony counts of dissemination of matter harmful to minors.Since 2012, the Indiana Department of Education has revoked or suspended the licenses of 108 educators including teachers, counselors and administrators.The top reason – child seduction.ISTEP impropriety, sexual misconduct with a minor, battery, child pornography and child exploitations were among the other reasons for educators losing their licenses to work with children.Under state law, the Indiana Department of Education automatically and permanently revokes licenses after certain offenses, such as child molesting, child solicitation, child exploitation, sexual misconduct with a minor and rape. 2791

It’s a question that was asked early and often following the passing of Aretha Franklin, "How do you honor a queen?"The answer was on display in Detroit Friday morning as more than 120 pink Cadillacs cruised down 7 Mile Road, escorting the hearse carrying the Queen of Soul to Greater Grace Temple.“I had to cut it off!” said Crisette Ellis, the first lady of Greater Grace Temple, noting that the number ballooned so fast she was amazed.The idea sprang out of a common sight at funerals for fallen soldiers, police officers and firefighters. Bishop Ellis wondered aloud, if a motorcade and police cruisers are used to honor a fallen hero what’s the equivalent for a woman who touched generations of people through her music and good deeds?Franklin’s hit song ‘Freeway of Love’ inspired the move to bring in pink Cadillacs. If you lived under a rock, or are too young to remember, the lyric read: “We goin’ ridin’ on the freeway of love, winds against our back. We goin’ ridin’ on the freeway of love, in my pink Cadillac.”“That has been an anthem for those of us that drive a pink Cadillac,” Ellis said. “Driving a pink Cadillac in our world says success. We get respect when we drive a pink Cadillac, so all I can imagine is that Ms. Franklin would look down and say, ‘That is how you show r-e-s-p-e-c-t to the Queen of Soul.”Nancy Pettaway broke into song while showing her Escalade to camera crews on Thursday, “we did that all the way here.”“Going back I think we’ll just turn the music off and reflect,” she said. “It helps you reflect on your own life and what kind of legacy you will leave for other people.”Pettaway drove from Killeen, Texas to Detroit. The trip took 19 hours, and according to organizers, she wasn’t the one making the furthest trip.“A long trip, but so worth it,” said Pettaway.Perda Harris flew from California to meet her daughter, and her pink Cadillac, in Chicago. “Her music just made the house happy,” Harris said.“We just sang out loud,” added her daughter, Caterina Harris Earl. “We danced. We sang. It was associated with every single family gathering that I remember throughout my childhood.”Harris Earl has been driving a pink Cadillac for more than 20 years — she said the music of Aretha Franklin was always part of her life, now the music brings back floods of happy memories. She said she’s always known that Franklin had an impact on her community, but since her passing she’s been able to learn even more about how she worked along Dr. Martin Luther King Jr. and supported the Civil Rights movement.”That makes a big difference for all people,” Earl Harris said. “For all women. As an African American woman, it absolutely impacted me.”That impact is why so many reached out to honor Franklin with a 100+ pink Cadillac envoy. Those who showed up to witness the celebration of life on Friday flocked to the street when the pink Cadillacs arrived, some folks who had waited for hours in line risked their place in line to rush over to snag pictures of the line.Nancy Pettaway summed it up well describing why Franklin’s celebration meant to much: “She moved you. Her music made you better, it made me better.” 3170