1) .....You again fall into the trap of depending on credit and buying on the future not on cash on hand.

2) .....You have only 1 credit account and you "max it out" with your everyday purchases every month even if you are paying off the entire amount the moment you get the statement.

3) .....You are using an account that charges a recurring fee or is structured in a way that you will pay anything other than the amount you spent. If you have 3 credit accounts and you use only one of them to make all your "backed by cash" purchases you give that account a maxed out appearance that can work against your score.

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