Utility Bills

Utility Bills which includes your electricity bill or gas bill are not loans but when it is left unpaid, it can make your credit score scroll down. Usually, these companies will not report to about your payment history, but they would report delinquent accounts in your name much faster than any other Institution. A delinquent Account will give details relating to failure on your part in repaying your obligations when due or as agreed. 

Too Many Recent Credit Checks

The wide range of offers available on various credit cards may tempt you to sign your multiple credit cards. Some cards may offer you bonus for your business, others may bring higher points offered by banks and another may promise you to avail in-store discounts by some retailers. By having multiple credit cards, you will also have multiple credit checks to be paid off in shorter time span and failing which would lower your credit score.