There is so much focus on how to improve credit scores these days that many people forget that little things they do every day could potentially harm their credit score.  For example, avoiding credit of any type can lower your credit rating and make you appear as a higher risk to potential lenders when you do need credit. Comparison shopping can lower your credit score if you apply for multiple loans even if you decide not to open the account.

For more surprising ways you may be harming your credit score read, “Are You Unintentionally Damaging Your Credit Score?”

Image credit:  David Goehring