Is Your Credit Score Secretly Being Damaged?
Your credit score has a huge impact on your ability to get loans, better interest rates, or even rent an apartment. But most people unknowingly harm their scores in simple ways. Let’s uncover the top 3 silent killers and how to stop them!
🚫 1. Late Payments
Missing even one due date can tank your credit score fast. Payment history makes up 35% of your score — so one slip can cost big. Set up auto-pay or calendar reminders.
💳 2. Maxing Out Credit Cards
Using over 30% of your available credit is risky. It shows lenders you might be overextended. Keep your utilization low for best results.
🔒 3. Closing Old Accounts
Old accounts help your credit age. Closing them shortens your history and may hurt your score. Unless they charge fees, keep them open.
🔧 Quick Fix Checklist
- ✅ Always pay on time
- ✅ Keep card balances under 30%
- ✅ Leave old accounts open
- ✅ Monitor your score monthly
🧠 Pro Tip:
You can check your credit score 100% free using trusted tools. It takes less than 2 minutes.
