Your credit score is made up of a number of factors including how much debt you have and your payment history.

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Millions of Americans have debt. The latest statistics show that there is $764 billion total credit card debt.

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One of the most important factors credit bureaus use to determine your credit score is your payment history. In fact, your payment history can comprise around 35% of your score! That means that paying your bills on time is crucial for a good credit score.

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Your credit score is one of the most important thing about you. It determines your eligibility for loans, apartments, and jobs. It can affect your insurance premium. It can also open financial opportunities or it can close them.

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Good or bad, your credit history is yours. You own it and you’re responsible for it. Everyone wants to have good credit, but it won’t happen magically. You must put in the work. Believe it or not, not everything about your credit history involves your spending habits, debts and payment history.

Here are three ways you can mess up your credit score that have nothing to do with money.

1. Failing to check your report regularly.
   
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