The Road to the Worst Credit Score

Your credit score range can be 300 to 850 - the higher, the better. 1. Don't pay your Bills. Your repayment history is the most important part of your credit score. 2. Charge it. How much you owe is the second most important factor. 3. Apply, Apply. 10% ofyour score is based on how many new acounts you have applied for recently. 4. Be a one-trick Pony. Scores tend to be higher if you use a mix of different types of cedit, such as credit cards, store accounts, auto loan, and mortgage. 5. Assume That It's Hopeless. Don't consider bankruptcy, cutting up your credit cards, work out a budget or even take baby steps toward paying off your debt.