Emily's Mortgage Services LTD

Your credit score can open doors—or slam them shut. Avoiding common pitfalls is key to maintaining financial health. Here’s how to steer clear of credit score killers:

1. Late Payments – Even one missed payment can hurt your score. Set up automatic payments or reminders to stay on track.
2. High Credit Utilization – Maxing out your cards signals risk. Aim to use less than 30% of your available credit.
3. Too Many Hard Inquiries – Each new credit application can shave points. Only apply when necessary.
4. Closing Old Accounts – Long-standing accounts build credit history. Keep them open unless there’s a good reason to close.
5. Ignoring Errors – Mistakes on your report can drag your score down. Check your credit report regularly and dispute inaccuracies.

By staying disciplined and proactive, you can protect your score and keep your financial options open.