10 Ways to Avoid Lowering Your Credit Score

There are many ways you may inadvertently lower your credit score. One way is renting a car with a debit card. Consumer advocate Lynnette Khalfani-Cox writing for AOL’s WalletPop: says that paying for a car rental with a debit card can actually HURT your credit rating. The reason is that most rental contracts give the rental car company the right to check your credit rating if you use a debit card instead of a credit card. Each time someone checks your credit rating, it’s a negative – just like if you are seeking a loan.

Here are 9 other innocent actions you may take that may also damage your credit score:

  • Saying Yes to a Department Store Credit Card
  • Closing a Credit Card With a Zero Balance
  • Having a Credit Card Company Not Report Your Credit Limits
  • Disputing a credit card bill
  • Paying off an old debt or an account in collection
  • Buying a new motorcycle
  • Using a business credit card
  • Having multiple names listed in your credit reports


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