Max Out’s eyes are bigger than his wallet. When he sees something he wants, he buys it… and his credit score pays the price. What Max Out doesn’t know is that he should only use 30% or less of his credit limits, because using his full line can lower his score.
Miss Payment means well, but more often than not, she misses her monthly credit card payments. What she doesn’t know is that each one missed can stay on her credit report for up to seven years! If only she would set up AutoPay, she’d never miss a payment again.
Watch out for Cancelina. She just loves canceling her unused credit cards once they’re paid off. But what she doesn’t know is that canceling them can decrease the length of her credit history and hurt her credit mix.
One Track Jack only has eyes for one... one type of credit, that is. But what he doesn’t know is that by focusing all of his attention on only one type of credit, he isn’t building a more robust credit mix — which could limit his credit growth.
This content is intended for educational purposes only and is not intended to provide legal or financial advice. Individual credit scores are influenced by various factors including credit behavior and may be calculated differently by each credit bureau. For advice tailored to your individual situation please consult a qualified professional.
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