improve my credit score in 24 Hours It’s very easy to damage your credit score. There are dozens of things that affect it, from taking a credit card over its limit, to filing for bankruptcy. Yet your credit score is one of the most important factors of your life. Banks use it to decide whether to give you a credit card or loan, for example, and most car insurance providers will consider it when setting your insurance rate.
A low credit rating can even affect your ability to get a mobile phone! Here are some of the more common ways of damaging your credit score, and the effects it can have. Completely ignoring your credit cards bills is much worse than paying late. Each time you miss a credit card payment, you're one step closer to having the account charged off.
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