Credit Score Dirty Dozen

Your Credit Score


These 12 actions will surely drive your credit score into the dirt.

1. Making late payments

2. Not making payments at all

3. Having a creditor charge off your account

4. Your account gets sent to collections

5. Defaulting on a loan

6. Filing for bankruptcy

7. A home foreclosure

8. Dealing with a judgment or lien

9. Sky-high credit card balances or maxed out cards

10. Closing credit cards that still have balances

11. Having a short or nonexistent credit history

12. Applying for several credit cards or loans

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