Think you’re playing it safe with your credit? Maybe not. Here are five ways people accidentally wreck their credit—without even realizing it 😬
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Paying off a loan early – Sounds responsible, but can shorten your credit history.
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Closing old accounts – That card you never use? Keeping it helps your utilization rate.
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Co-signing a loan – If they miss a payment, it hits your report too.
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Applying for too many store cards – That 10% discount isn’t worth the credit ding 🛑
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Not using credit at all – No activity = no credit history = no score.
💳 Credit is a game of balance, not extremes.
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