7 Surprisingly Weird Things That Can Actually Hurt Your Credit Score

June 20, 2025

Your credit score is more than just a number—it’s a key that unlocks everything from car loans to apartment rentals. Most people know late payments and maxed-out credit cards can drag their score down. But what about the less obvious culprits? Some surprisingly weird things can actually hurt your credit score, and many of them fly under the radar. Understanding these hidden pitfalls can help you avoid unnecessary dings to your credit and keep your financial life running smoothly. If you want to protect your credit score, it’s time to look beyond the basics and get familiar with these unexpected risks.

1. Closing Old Credit Cards

It might seem responsible to close a credit card you no longer use, but this move can actually hurt your credit score. When you close an old account, you reduce your overall available credit, which can increase your credit utilization ratio—a key factor in your score. Additionally, the age of your credit history matters. Older accounts help establish a longer credit history, which is favorable for your score. Instead of closing old cards, consider keeping them open with occasional small purchases and paying them off in full. This strategy keeps your credit utilization low and your credit history long, both of which are good for your credit score.

2. Having Too Few Types of Credit

You might think that sticking to just one type of credit, like a single credit card, is the safest route. However, credit scoring models reward diversity. Having a mix of credit types—such as credit cards, auto loans, and a mortgage—shows lenders you can handle different kinds of debt responsibly. If your credit profile is too narrow, your score may not reach its full potential. If you’re looking to boost your credit score, consider responsibly adding a different type of credit to your mix, but only if it makes sense for your financial situation.

3. Applying for Store Credit Cards Too Often

Store credit cards often come with tempting sign-up offers, but applying for too many quickly can hurt your credit score. Each application triggers a hard inquiry, which can lower your score by a few points. Multiple inquiries in a short time frame can signal to lenders that you’re desperate for credit, which is a red flag. Instead, be selective about the credit cards you apply for and space out your applications. This approach helps protect your credit score from unnecessary dips.

4. Unpaid Parking Tickets and Library Fines

It sounds odd, but unpaid parking tickets and even library fines can end up on your credit report if they’re sent to collections. Your credit score can take a significant hit once a collection account appears on your report. Many people don’t realize these small debts can have such a big impact. To avoid this, always pay off minor fines and tickets promptly. If you’re unsure whether you have outstanding debts, check with your local municipality or library.

5. Co-Signing Loans for Others

Helping a friend or family member by co-signing a loan might seem like a kind gesture, but it can backfire. When you co-sign, the loan appears on your credit report, and you’re equally responsible for the debt. Your credit score will suffer if the primary borrower misses payments or defaults. Even if payments are made on time, the additional debt can affect your debt-to-income ratio and credit utilization. Before co-signing, consider the risks and have an honest conversation with the borrower about repayment plans and responsibilities.

6. Not Using Your Credit Cards at All

You might think that avoiding credit card use altogether is the safest way to protect your credit score. However, issuers may close your accounts if you don’t use your cards due to inactivity. As mentioned earlier, closing accounts can reduce your available credit and shorten your credit history, both of which can hurt your credit score. To keep your accounts active, use your cards for small, regular purchases and pay them off each month. This keeps your credit utilization low and your accounts in good standing.

7. Errors on Your Credit Report

Mistakes happen, and sometimes incorrect information can end up on your credit report. These errors—such as accounts that don’t belong to you, incorrect balances, or outdated information—can drag down your credit score. It’s important to check your credit report regularly for accuracy. If you spot an error, dispute it with the credit bureau right away. You’re entitled to a free credit report from each of the three major bureaus every year at AnnualCreditReport.com, so take advantage of this resource to keep your credit score healthy.

Protecting Your Credit Score: The Little Things Matter

Your credit score is influenced by more than just the obvious factors. Seemingly minor actions—like closing an old card, ignoring a parking ticket, or co-signing a loan—can have a surprisingly big impact. You can make smarter decisions and avoid unnecessary setbacks by staying aware of these weird credit score pitfalls. Remember, maintaining a healthy credit score is about more than just paying your bills on time; it’s about understanding how every financial move, big or small, can affect your overall credit health.

What’s the weirdest thing you’ve experienced that affected your credit score? Share your story or tips in the comments below!

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