5 factors that negatively affect your credit score

There are a lot of financial mistakes that could sabotage your credit score. But some do much more harm than others. Five errors in particular, are so serious that they could be called credit score killers. To protect your credit capacity you need to be aware of what they are to evade.

1- Late payments

It is the public enemy number one of the credit score. Delaying the payment of your obligations destroys your credit score because the credit rating companies put more shares in the performance of your bill payment than any other financial behavior.

In fact, default or late payments do more damage to your credit score than several of the other culprits on this list combined. That’s important because your credit score, in the first place, tells lenders if you can be trusted with credit. If you are not paying your bills on time or if you have omitted payments completely, your credit score will be adversely affected. So it is crucial and fundamental to pay your bills on time.

2- Balances with too high amounts

This is not as important as your payment history but it weighs on an individual’s credit history. The execution of large amounts of debt is a red flag defined for lenders. They are very interested in knowing that you can handle the amount of money you want to borrow. Therefore, credit rating companies will penalize you if you borrow more money than you can comfortably pay.

It is definitely not a good idea to run large balances on your credit cards. That is a sure sign for lenders that you may not be able to handle any new credit. If you want a better credit score you need to keep your income debt in balance.

3- Lack of credit history

You …

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