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📉 Do you know what actually hurts your credit score in the USA? Most people have no idea — and end up making small mistakes that cost them thousands in higher interest rates and loan rejections.

Here are the biggest credit score killers you must avoid:
👉 Late payments – even one missed payment can drop your score fast ⚡
👉 High credit utilization – using more than 30% of your credit limit 💳
👉 Too many credit inquiries – applying for multiple cards or loans at once ❌
👉 Closing old accounts – length of credit history matters 🕒

✅ A good credit score (670+) can get you better rates, faster approvals, and more financial opportunities. A bad one? It keeps you stuck in debt.

At SigmaWealthWay, we share daily money hacks, credit tips, investing strategies, budgeting tricks, and side hustles for audiences in the USA, Canada, UK, and Australia — so you can build wealth smarter.

💬 Question of the day: What’s the #1 mistake you’ve made with your credit score? Comment below 👇

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