• Using expensive or undesirable types of credit costs too much and is negatively scored
• Accumulating too many lines of credit or too many credit cards causes credit report remarks like "too much consumer credit."
• 3. Only paying the minimum due keeps balances too high. make sure you make it a habit to always pay more than minimum
• 4. Maxing out your credit card will drop your score dramatically
• 5. Cash advances from Credit cards cost higher interest rates and credit cards companies love you, when you do that
• 6. Exceeding limits and having to pay over-limit fees is a negative with creditors and causes "high proportional amounts owed" remarks on credit reports and subtracts credit score points.
•  Charging more than you can afford causes a snowball effect of debt with no easy way to pay it off.
• Ignoring credit problems causes unnecessary negative impact. Talk to your creditors, and give them a heads up that you are about to be late. This wont always work, but sometimes creditors wont report it to bureaus
• Always report change of address to your creditors in a timely manner

Arslan
AmeriFico - Credit Repair & Analysis
Dallas, TX
http://www.amerifico.com