Discover 7 surprising factors that could harm your credit score
A high credit utilization ratio—using too much of your available credit—can hurt your score. Keep it low for a healthier credit profile
High Credit Utilization Ratio
Multiple loan inquiries in a short span may raise red flags. Be cautious; each inquiry impacts your credit score
Making Too Many Loan Inquiries
Late payments have a big impact. Set up reminders and autopay to stay on track
Paying Late
Applying for several credit cards at once can be detrimental. Each application triggers an inquiry
Applying for Too Many Credit Cards at Once
While it may seem like a quick fix, settling debt can leave a negative mark on your credit report. Explore other options before settling
Settling Your Debt
A healthy mix of credit types—credit cards, loans, mortgages—boosts your score
Not Having a Credit Mix
Closing old credit cards shortens your credit history, impacting your score.
Closing Your Old Credit Cards
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