Common Credit Score Mistakes

Some of the biggest credit score mistakes are boring but expensive: missed payments, maxed-out cards, too many new applications, and closing old accounts without understanding the tradeoff.

Another mistake is believing a higher income automatically means a better score. Income can help you pay debt, but scores care more about credit behavior than income level.

Consistency beats hacks. Clean months, lower balances, and fewer mistakes usually outperform every shortcut people search for.