Debt Management: Credit Boot-camp™ Top 4 Things That Can Hurt Your Credit Score
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I don't think softs have any impact at all since no one else can see them.
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Also refinancing and loan deferments will lower your score too.
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Great information but outstanding balance to credit limit ratios play a huge role when looking at credit issues.
tntdee110 3 years ago
Thanks for the cool comment. Thanks for watching. You are right about outstanding balance.
But we feel payment history covers how timely you've paid down your outstanding balance.
Thanks again.
J.
TheWarOnDebt 3 years ago
You left out one major thing. High utilization will tank your score.
mdszymanski 4 years ago
Good point! Creditor's call that being 'Top Heavy' or "nearly maxed out".
TheWarOnDebt 4 years ago
Excellent presentation on how your credit score is determined.
stardess 4 years ago
Thanks! We appreciate the feed-back.
TheWarOnDebt 4 years ago