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    While collections Patrick Marleau Maple Leafs Jersey , bankruptcies, and late payments have the greatest negative effect on your credit score, your debt is a factor as well. Keeping your account balances between 25% and 50% of your available credit signals a responsible borrower. For example, if you have a credit card with a $2000 limit, keep your debt below $1000. For this reason Zach Hyman Maple Leafs Jersey , consolidating your credit card debt can actually lower your credit score, as it raises the ratio of your debt to your available credit. The best solution is to simply pay off your existing cards as quickly as possible.

    Excessive inquiries over a short period of time also damage your score. When lenders, banks, or credit card companies check your credit report, the inquiries are recorded. Several of these "hard inquiries" in the same time period may signal to other lenders that you are opening multiple accounts due to financial difficulty.

    If you discover that you have accounts on your report that you didn't open Ron Hainsey Maple Leafs Jersey , or your public records such as tax liens or judgments that are not yours, you may be a victim of identity fraud. It is up to you to deal with the damage that can happen to your credit score because of this criminal activity. Being aware is your first step, but when the items end up on your report, you have no alternative but to clean it up. For more information on dealing with credit damage, visit the Credit Damage website.

    Overall John Tavares Maple Leafs Jersey , give yourself time to build a good credit score and even more time to correct serious problems. The length of your credit history is another determining factor in a good score. Lenders want to know that you are able to maintain prompt payments and good standing for a period of time. So check your reports yearly, do your due diligence, and your score can improve.

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