Which of the following actions has no impact on your credit score?
a) you inquire about a credit card charge.
b) you use a large percentage of your credit limit.
c) you opened several new credit cards last week.
d) you sent your credit card payment a couple of days late.

The correct answer is A) You inquire about a credit card charge. Many things that you do can help or hurt your credit score. The more of your credit limit you use the worse your credit score will be. This is actually a large impact on your overall score. It is good to have multiple lines of credit to build your credit score; however, opening to many, to quickly can be detrimental to your score. Longevity of accounts helps your score and having many short periods of times can hurt. Sending payments late (past their official cut off date) show up as late payments and has a negative effect on your credit score.

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