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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

Police are investigating the fatal shooting of a 2-year-old girl at a hotel in Wickliffe, Ohio on Friday night.The shooting happened around 11 p.m. at the Econo Lodge Wickliffe-Cleveland East, 28611 Euclid Ave. Police said it appears the child's mother was handling a gun when it went off and the 2-year-old girl was shot in the chest.The mother initially told the 911 operator the gun's safety was off, but a few seconds later said the safety was on when she dropped the weapon."The safety was on when I dropped the gun and the bullet shot her. The gun dropped, I dropped my gun," the mother told the 911 operator. "She's gone. My baby's gone. She's not breathing at all. She's gone."The child was taken to a nearby hospital but later died from the injury, according to authorities.Police said the shooting appears to be accidental. The mother had the weapon legally and had a concealed carry permit. It will be left up to the Lake County Crime Lab and the prosecutor's office to determine if any charges are filed, police said. 1062

Patient care and safety are always our highest priorities, and we take this matter very seriously. We have conducted a thorough investigation and are working closely with the medical staff, patient care staff, and hospital leadership, as well as with the California Department of Public Health to ensure that an incident like this does not happen again. Consistent with patient privacy laws and hospital policy, we respect our patients’ privacy by not discussing the specifics of their care. 499

PHILADELPHIA (AP) — Bill Cosby's lawyers are arguing in a new appeals filing that it was “fundamentally unfair” to let prosecutors use Cosby's damaging deposition from a sex accuser's lawsuit against him at trial. The filing made Tuesday largely focuses on what Cosby believes was a binding promise from a district attorney that he wouldn't be charged in the case. A spokeswoman for the Montgomery County district attorney's office isn't commenting but says prosecutors will file a response within a month. The 83-year-old Cosby is serving a three- to 10-year prison term for three counts of felony sex assault. 619

PALM BEACH GARDENS, Florida — A heroic act caught on video.A baby nearly choked to death at a Florida mall but quick-thinking officers who just happened to be nearby stepped up to save her life. The incident unfolded nearly two weeks ago. One-year old Lucia Graham was rescued by two Palm Beach Gardens, Florida officers who happened to be eating lunch nearby when she started choking."They were there for a reason and that reason was to save her life," said Ana Jaramillo de Graham, Lucia's mother.In the surveillance video, Jaramillo de Graham can be seen with her two kids, including Lucia's toddler brother, enjoying Kid's Day at Palm Beach Gardens Mall."We got hungry, and like we always do, we went to Chick-fil-A," she said.Lucia then started choking on a chicken nugget."She looked at me with her eyes wide open. She tried to do something with her mouth — she couldn't cough, couldn't do anything," said Jaramillo de Graham.The mother tried a technique taught to her by her pediatrician, which involved sharp blows to the baby's back to dislodge the object. She said in a panic she must not have been performing the technique hard enough, so she started screaming for help.Officer Robert Ayala and Officer Rafael Guadelupe rushed over right away."Officer Ayala stepped in, I handed her to him. He sat down and so quickly started performing what he needed to do to make sure she was OK. And I sat on the floor panicked. I just wanted to make sure she was OK," she said.Finally, the chicken was removed and Lucia was able to breathe again."They're our heroes. They are the best, best angels we could've had that day at the mall," Jaramillo de Graham said.Lucia was immediately checked by EMT staff at the mall. Despite the close call, baby Lucia is 100 percent healthy."They knew exactly what to do to save her life," Lucia's mother said. "So, thank you so much officers because if it wasn't for you guys, we probably, definitely wouldn't be here with our Lucia."Jaramillo de Graham recommends all parents take classes so they can properly administer CPR or life saving techniques to children if they are choking.On Thursday night, those officers were honored by city council and Lucia's parents. 2260

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