Some of the things that can negatively affect your credit are things that you might not have considered before. There are a few unpredicted things that we do that we wouldn't think would have a negative impact on our credit scores but they do.

For instance, closing a credit card account. This may seem like a nice thought as if the account is closed then you do not have the potential for the debt. But, the difficulty arises because your credit score is partly based upon your total of available credit compared to your sum of debt. If you no longer have the credit card then you no longer have the credit accessible and your credit score gets dinged.

Did you know if you own a credit card but you never use it the similar thing can happen? You might think that if you don't use it, it can't hurt you but a vendor can terminate a credit card if it is never used and then again your credit to debt percentage goes down and your credit score goes down with it.

Some thing else that most people will not consider is how much credit they use. Even if you pay off your account each and every month, if your running balance is high it counts as a harmful to you. Try not to ever use more than 30% of your available credit despite of whether or not you plan to pay it off.

If you pay no heed to a parking ticket or a library fine it can end up showing up as a destructive mark on your credit, same thing with past due bills such as a cell phone or a gas bill. As soon as you are delinquent and your bill is referred to a collection agency it goes on your credit report.

Did you know applying for too much credit can be a quandary? Any inquiry into your credit will show as a negative mark against you. Also revolving credit accounts are counted as more damaging than other types of credit. So the next time a department store offers you 20% off for applying for their credit card, think of this and say "Thanks, but No thanks".

If you don't check your credit report on a regular basis you could be causing yourself some problems. It is estimated that up to 75% or more of all credit reports contain errors or inaccuracies. You can dispute anything on your credit and you can get the problems removed but if you find out after you have been denied credit, it is a little too late. Check your report regularly and deal with the incorrect information quickly. You can get a free credit report from each of the credit bureaus one time per year. You should do it at least that often.

The best and easiest way to deal with your credit is to stay on top of it. Be aware of the things that can cause you problems and circumvent them. Still, you will still likely see a few troubles. When you do you can take the actions to repair your credit either on your own or with the aid of a professional credit repair service.

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