Credit Scores: Don't Sweat Small Dips.
RECENTLY, MY CREDIT SCORE DROPPED from “exceptional” to “very good.” I had put a security freeze on all of my credit reports and closed out an auto loan. Did either action cause my score to drop?
J.B., COLGATE, WIS.
No. A credit freeze doesn’t hurt your credit score; it just prohibits new lenders from accessing your credit report, which can help protect you from identity theft. And paying off an auto loan doesn’t cause a score to drop—although it’s unlikely to help much, either, because installment debt has a minimal impact on your score, says credit expert John Ulzheimer.
この記事は Kiplinger's Personal Finance の September 2018 版に掲載されています。
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この記事は Kiplinger's Personal Finance の September 2018 版に掲載されています。
7 日間の Magzter GOLD 無料トライアルを開始して、何千もの厳選されたプレミアム ストーリー、9,000 以上の雑誌や新聞にアクセスしてください。
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