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8 Shocking Things That Can Destroy Your Credit Score

Closing A Credit Card Account

Like the last page said, not using your credit card can hurt your credit score. However, if you cancel that credit card, your credit score may take a small tumble too. Since you’re not using that credit card, it may seem like a good and logical idea to get rid of it, but it will decrease the length of your credit history and increase your credit utilization rate, both of which can lower your credit score. Instead of canceling your credit card, use it to buy groceries once a month or fill up with gas. Immediately pay it off and then you won’t have to worry about your credit score dropping.

Recommended: 10 Easy Cheats To Up Your Credit Score

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