What factors affect my credit score negatively?

One of the most common factors that have a negative impact on your credit score is a poor payment history. The more missed or late payments you have on an account, or multiple, the lower your credit score will be. Another factor that has an adverse affect on your credit score is using a high percentage of your credit limit on multiple revolving accounts.It is advised that we should not use more than 30% of our available credit on any account although the 50% mark is usually the threshold before it impacts your score.

The easiest way to not let this happen is to simply make your payments on time and limit the amount of big purchases to avoid the possibility of falling into debt. Also, if you know that you will be late with a payment, contact your creditor(s) and most of them will be willing to make arrangements so that you will not have negative information being reported to the credit bureaus.

Several factors affect your credit score such as, have you been paying all your bills on time, do you owe anything on student loans, do you rent or own your home, how many lines of credit do you have, do you have a savings account and how much is there, what is your income and where does it come from, how long have you lived in your home.

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