Question by  Paul87 (13)

What things lower your credit score?

Obviously non-payment does.


Answer by  sonicfoundation (2597)

Non-payment and collections on your account play a part. The length of your credit history plays a part. Also, the amount of credit utilization plays a part. That is, the percentage of your available credit being used as a percentage.


Answer by  biff7105 (12)

Your credit score can be affected negatively by applying for and being denied a credit card or car loan. Credit inquiries are run each time you apply, and the more there are, the worse it will affect your credit.


Answer by  sc1234 (1319)

There are a couple of different things that can lower your credit score. One thing is having too many lines of credit, another is having a very short credit history.

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