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Since your credit score affects everything from your ability to get a credit card to your ability to secure a mortgage, knowing what can make your credit score go down is crucial. One of the most common reasons people see their credit score go down is a late payment. Lenders who look at your credit report can see if you are 30, 60, 90, or more days delinquent on an account. If you’re significantly late with a payment, expect to see your credit score free credit report with no credit card Erie go down. For this reason, consumers with a past history of tardiness may decide to take advantage of the automatic bill paying services offered by many banks. Since 15% of your credit score is based on the length of your credit history, having only new accounts in your name can make your credit score go down. For this reason, younger consumers tend to have slightly lower credit scores than their older counterparts even if all other factors are equal. To boost your score, avoid continually closing old accounts.

Even if you have a free credit report with no credit card Erie credit card you seldom use, leave the account open so lenders see it as a longstanding part of free credit report with no credit card Erie your credit history. free credit report no fee

The amount of credit inquiries made on your report can also make your credit score go down. This is because lenders believe you may be planning to go on spending spree if you’re trying to open several new accounts in a short period of time. To keep your score up, don’t apply for credit cards or loans unless they are absolutely necessary. However, since personal inquiries won’t affect your credit score, it’s fine to request a copy free credit report with no credit card Erie of your credit report on a regular basis in order to check for discrepancies or signs of identity theft. While bankruptcy can provide a fresh start for those in serious financial trouble, filing for bankruptcy will make your credit score go down significantly. In addition, a bankruptcy filing will stay on your credit report for 10 years.

Typically, filing for bankruptcy will make your credit score go free credit report with no credit card Erie down by 160-220 points. get free credit report now If you’ve recently been denied credit because your score is too low, don’t be discouraged.

Since the FICO scoring system is designed to allow recent good behavior to help offset past mistakes, making a conscious effort to use credit cards responsibly and pay your bills on time will gradually improve your score.

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