Sad story but the Normies are in denial about why she was meeeting up with a 38 year old man late at night, got in his car and went home with him.

Here are three credit mistakes that I’ve made in the past that will tank your score, and one deadly credit mistake that I haven’t.

1. Credit utilization too high

Credit utilization is 30% of your score. 1-6% Utilization is where you get maximum points. Before I understood how FICO scores worked I routinely had utilizations of 30% or more, which literally tanked my scores.

Some people tell you 20% or 30% utilization is Ok. No, it’s not. You need to be in that 1-6% range of utilization. You can have reported balances without having to pay interest if you understand how the system works.

2. Closing old accounts

Length of credit is 15% of your credit score and credit age is the hardest thing to earn because it takes the most expensive thing you have; which is time.

A while back I made the choice to close old accounts because I didn’t want someone to have access to them anymore. That was a big mistake and it dropped my score for years until I had enough history in other accounts to bring the average ...