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5 Counterintuitive Ways You Can Ruin Your Credit

Think you’re playing it safe with your credit? Maybe not. Here are five ways people accidentally wreck their credit—without even realizing it 😬

  1. Paying off a loan early – Sounds responsible, but can shorten your credit history.

  2. Closing old accounts – That card you never use? Keeping it helps your utilization rate.

  3. Co-signing a loan – If they miss a payment, it hits your report too.

  4. Applying for too many store cards – That 10% discount isn’t worth the credit ding 🛑

  5. Not using credit at all – No activity = no credit history = no score.

💳 Credit is a game of balance, not extremes.

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