10 Things You Think Will Hurt Your Credit Score—But Actually Won’t

 · Fizzle: Here is an article I wrote about closing credit cards and how it will affect your score: Think Twice Before Canceling Credit Cards. You can also consider asking the credit card company to change your card to a rewards card so you can earn cash back (preferred) or points.

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 · Jose Luis Pelaez / The Image Bank / Getty Your credit utilization, a ratio that compares your total debt to total credit, is the second biggest factor that affects your credit score.It’s 30% of your score. The higher your balances are, the more it hurts your credit score. Having maxed out credit cards costs precious credit score points (not to mention costly over-the-limit fees).

It’s true that a bankruptcy can stay on your credit report for up to ten years and it seriously hurts your credit score. However, not filing for bankruptcy and allowing your debts to go to collections will also negatively impact your credit.

Nothing inappropriate, but when you’re alone most of the time with a baby, you’ve got to talk to someone. 10. Someone complimenting our kid means the world to us. This isn’t surprising, but it is surprising how infrequently single parents can hear this – most people have a co-parent to lean on and gain support from.

Bad credit can cost you a lot of money, but did you know that auto insurance companies use credit to determine your insurance quotes? Auto. Health.. 30 Foods That Aren’t as Healthy as You Think Finance. Find an Advisor Investing Personal Finance Insurance Legal Business.

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 · 6 things you should never put on a credit card. It’s easier than ever to pay for anything with plastic, but that doesn’t mean you should, says Experian. Outstanding card debt has hit $1 trillion, and 86 percent of card debtors regret it. From medical bills to.

 · I am working very hard on improving my credit. I have a Cap One Platinum that is has a $5400 balance and $6k limit. I have not charged – 5674245

 · You have the right to an accurate credit report. This right allows you to dispute credit report errors by writing to the credit bureau or the creditor who listed the account on your credit report.. Errors can hurt your credit score more than you might think. For example, an inaccurately reported late payment could bring your credit score down 60 to 110 points depending on the other information.

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