Credit Repair Secrets * Free Credit Repair * Credit Report Score * Credit Dispute Letter

Do you know what hurts your credit score? This article discusses the most common factors that can badly affect your credit history. Check out the list below and know which things should be avoided.

In the past years, various methods of credit scoring were used to calculate individual credit score. It used to be that credit score was mostly determined by the number of credit cards owned, the frequency of credit card charges, and the cardholder’s capability to pay off these charges. Consequently, those who do not own credit cards may be regarded as a poor candidate for credit. As a result, people who cannot qualify for loans may have little choice but to seek out subprime lenders.