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What kind of bizarre things can affect your credit score, that you otherwise wouldn't think did?

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Bizarre Things

Here are some things you would not think of.

1. Ordering TV Channels. Some high-speed Internet and cable companies will run a hard inquiry on your credit when you sign up for their service. Fortunately, any company or business that performs a hard inquiry on your credit must first get your permission, so this shouldn't come as a surprise.

2. Using a debit card to rent a car. Most rental agencies require you pay your deposit with a credit card. However, some will agree to accept a debit card if you'll allow them to perform a credit check on you, which will result in a hard inquiry. Just like your cable company, rental agencies must get your permission in order to do this. card.

3. Not using your credit cards. Carrying a lot of credit card debt is generally bad for your credit score. But not using your credit cards at all can also be detrimental. Some credit card issuers will mark your credit cards "inactive" after a certain period of time, and they may even close the account. Lowers your overall credit available thus raising your utilization. In general, the higher your credit utilization rate, the lower your score.

4. Financing the purchase of your new bedroom suite. You've probably seen the offers: "0 percent financing for the first 12 months on a new couch!" Sounds great – buy a couch now, pay much, much later. But this great deal is usually not-so-great for your credit. Here's why: A financing plan like this is usually considered a "last-resort" loan by creditors assessing your creditworthiness. You could look like a higher credit risk, just because you wanted a deal on a couch.

5. Not paying that parking ticket. So you forgot about that parking ticket you got while visiting your friend in the city – no big deal, right? Wrong. An unpaid parking ticket or even a library fine could eventually be turned over to a collections agency. Collections account is a derogatory mark on your credit that can do significant damage to your credit score. If you know you have unpaid fines, pay them as soon as possible so you won't be surprised by a collections account down the road.

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