Are You Guilty of One of These 12 Financial Sins That Could Be Killing Your Credit Score? Can you honestly say that you are a financially responsible person? Do you always pay your bills on time? How many credit cards do you possess? How often do you max out your credit cards? What is your debt to income ratio? Do you even know which factors affect your credit score? There's no need to feel ashamed about a negative answer.
Many people are in the same.