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Clearly it’s best to avoid things that can have a negative impact on your credit rating

Avoid these bad habits that impact credit score

Home > Credit Rehab > Bad habits to avoid that affect credit scores

Clearly it’s best to avoid things that can have a negative impact on your credit rating, whether it be in the short or long run. Continuously making the same mistakes when it comes to your credit score can limit your capacity to obtain finance, as well as give off the wrong impression to potential lenders.

Some of the things that can either be done or avoided to stop your credit score from dropping even further are:

  • High levels of debt – Lenders may see this as a sign that you are poor at money management, and won’t be inclined to lend you any.
  • Payment defaults, especially mortgage payments. These kind of missed payments can stay on your credit file for up to 6 years.
  • County Court Judgements or CCJ’s – These can also stay on your credit report for 6 years.
  • Applying for multiple lines of credit at once – These show up on your credit report and are a clear signal to other potential lenders that you are considered a risk.
  • Having open credit accounts/cards that are never used
  • Not being tied to a fixed location or moving around a lot within a short span of time.
Warning: Late payment can cause you serious money problems. For help, go to

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Evolution Money,
9 Portland Street,
M1 3BE

Registered Company Number: 06987852

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Evolution Money Limited is a licensed credit broker and service provider to Evolution Lending Limited. If your application doesn’t meet the underwriting requirements of Evolution Lending Limited we may pass your information to other lenders and brokers. Evolution Money Limited is a company registered in England & Wales, registration number 06987852 and registered at 8 St John Street, Manchester, M3 4DU. Authorised and regulated by the Financial Conduct Authority, firm reference number 708324.

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