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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 was supposed to be a make-or-break moment.When the Trump administration said last September it was pulling the plug on Deferred Action for Childhood Arrivals, March 5 was the program's official end date.But it was so much more than a date on the calendar. It was the looming deadline that finally was going to force Congress to tackle the perennial political hot potato of immigration.Protesters organized around it. Lawmakers invoked it in fiery speeches. The President warned that time was running out to make a deal.Now, here we are, just days from that fateful date and no solution in sight. And what about Monday's deadline? Well, it still exists on paper. But it's become more of a symbolic marker than a moment when anything major is expected to happen for the roughly 700,000 DACA recipients.Here's a look at how we got here, and what happens next: How did this happen? 893

In updated guidance, the CDC said that those who have recovered from the coronavirus do not need to be re-tested for the virus for three months after their infection barring they’re asymptotic.The refreshed guidance suggests that the CDC expects those with previous coronavirus infections are unable to spread the virus for three months.“People who have tested positive for COVID-19 do not need to quarantine or get tested again for up to 3 months as long as they do not develop symptoms again,” the guidance says. “People who develop symptoms again within 3 months of their first bout of COVID-19 may need to be tested again if there is no other cause identified for their symptoms.”In a statement to CNN, the CDC clarified that does not automatically mean someone is immune for three months. The updated guidance comes after much discussion and speculation on the possibility of becoming infected for a second time with the virus.The guidance is “based on the latest science about COVID-19 showing that people can continue to test positive for up to 3 months after diagnosis and not be infectious to others,” the statement read. 1138

It's been six months since the man once synonymous with Hollywood inadvertently caused a seismic shift and one of the most important conversations in the industry's history — and even beyond the entertainment world.What began with a few brave women coming forward about mistreatment at the hands of Oscar-winning producer Harvey Weinstein has emerged into a movement against abuse that has reverberated across industries.In just half a year, dozens of once powerful men have been held accountable for mistreatment, thousands of people have raised their voices to say, "me too," and at least one industry -- people hope, anyway -- will never be the same.Again, it's happened in six months.As it stands, the allegations against Weinstein range from harassment to rape, include the stories of more than 80 women and span several decades. (Through a spokesperson, Weinstein has repeatedly denied "any allegations of non-consensual sex.") 946

It's been six months since the man once synonymous with Hollywood inadvertently caused a seismic shift and one of the most important conversations in the industry's history — and even beyond the entertainment world.What began with a few brave women coming forward about mistreatment at the hands of Oscar-winning producer Harvey Weinstein has emerged into a movement against abuse that has reverberated across industries.In just half a year, dozens of once powerful men have been held accountable for mistreatment, thousands of people have raised their voices to say, "me too," and at least one industry -- people hope, anyway -- will never be the same.Again, it's happened in six months.As it stands, the allegations against Weinstein range from harassment to rape, include the stories of more than 80 women and span several decades. (Through a spokesperson, Weinstein has repeatedly denied "any allegations of non-consensual sex.") 946