{"id":1038,"date":"2021-08-11T18:29:19","date_gmt":"2021-08-11T18:29:19","guid":{"rendered":"https:\/\/ppqchi.com\/6-ways-your-credit-score-can-drop\/"},"modified":"2025-07-30T14:25:24","modified_gmt":"2025-07-30T14:25:24","slug":"6-ways-your-credit-score-can-drop","status":"publish","type":"post","link":"https:\/\/ppqchi.com\/blog\/article\/6-ways-your-credit-score-can-drop\/","title":{"rendered":"6 Ways Your Credit Score Can Drop"},"content":{"rendered":"\n<article class=\"wp-block-group alignfull p-post-single is-layout-flow wp-block-group-is-layout-flow\">\n<header class=\"wp-block-group alignfull p-post-single-hero is-style-theme-subtle-light has-backgrounds-subtle-light-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-center l-container is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center has-global-padding is-layout-constrained wp-container-core-column-is-layout-1f86b309 wp-block-column-is-layout-constrained\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group p-post-single-hero__content has-global-padding is-layout-constrained wp-container-core-group-is-layout-a4fd459e wp-block-group-is-layout-constrained\"><div style=\"text-transform:uppercase; margin-top:0;margin-bottom:var(--wp--preset--spacing--60);\" class=\"theme-color-secondary t-date wp-block-post-date\"><time datetime=\"2021-08-11T18:29:19+00:00\">August, 2021<\/time><\/div>\n\n<h1 class=\"wp-block-post-title has-display-x-large-font-size\">6 Ways Your Credit Score Can Drop<\/h1>\n\n<div style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:0\" class=\"taxonomy-category wp-block-post-terms\"><a href=\"https:\/\/ppqchi.com\/blog\/article\/category\/financial-tips\/\" rel=\"tag\" class=\"cat-item\"><i class=\"cat-item__color cat-item__color--teal\" aria-hidden=\"true\"><\/i><span class=\"cat-item__label\">Financial Tips<\/span><\/a><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center has-global-padding is-layout-constrained wp-container-core-column-is-layout-a209ae40 wp-block-column-is-layout-constrained\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group p-post-single-hero__media has-global-padding is-content-justification-center is-layout-constrained wp-container-core-group-is-layout-587a7eb1 wp-block-group-is-layout-constrained\"><figure style=\"margin-top:0;margin-bottom:0;\" class=\"is-style-image-featured s-aspect-ratio-1-1 wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/ppqchi.com\/wp-content\/uploads\/2021\/08\/shutterstock_2084185900.jpg?w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Woman and man applying online for a short-term loan to borrow quick cash from LendNation\" style=\"object-fit:cover;\" srcset=\"https:\/\/ppqchi.com\/wp-content\/uploads\/2021\/08\/shutterstock_2084185900.jpg 8192w, https:\/\/ppqchi.com\/wp-content\/uploads\/2021\/08\/shutterstock_2084185900.jpg?resize=300,200 300w, https:\/\/ppqchi.com\/wp-content\/uploads\/2021\/08\/shutterstock_2084185900.jpg?resize=768,512 768w, https:\/\/ppqchi.com\/wp-content\/uploads\/2021\/08\/shutterstock_2084185900.jpg?resize=1024,683 1024w, https:\/\/ppqchi.com\/wp-content\/uploads\/2021\/08\/shutterstock_2084185900.jpg?resize=1536,1025 1536w, https:\/\/ppqchi.com\/wp-content\/uploads\/2021\/08\/shutterstock_2084185900.jpg?resize=2048,1366 2048w, https:\/\/ppqchi.com\/wp-content\/uploads\/2021\/08\/shutterstock_2084185900.jpg?resize=1619,1080 1619w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n<\/header>\n\n\n\n<div class=\"wp-block-group p-post-single-body has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n\n\n\n<p>Whether you\u2019re trying to buy a vehicle or get a small business loan, a respectable credit score can make the difference between getting the cash you need&#8230;or not.<\/p>\n\n\n\n<p>Just like in life, ups and downs are part of the game with your credit report, so don\u2019t panic if your credit report takes a dip. There are many reasons your credit can drop, but there are also several ways to prevent or recover from these impacts. Here we\u2019ll take a closer look at the most common credit pitfalls so you can keep your score in tip-top shape.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-missed-payments\">Missed Payments<\/h2>\n\n\n\n<p>One of the biggest factors that <a href=\"https:\/\/www.nerdwallet.com\/article\/finance\/late-bill-payment-reported\" target=\"_blank\" rel=\"noopener\">affects your credit score<\/a>&nbsp;is making payments on time, every time. When you\u2019re more than 30 days late on a payment, your credit rating is going to take a hit. The drop could cost you up to 100 points, which can devastate an otherwise stellar report.<\/p>\n\n\n\n<p>To avoid this issue, make sure you\u2019re budgeting and setting reminders for yourself so you don\u2019t <a href=\"https:\/\/ppqchi.com\/blog\/article\/how-to-avoid-late-fees-and-penalties\">miss a payment<\/a>. Or, set your accounts on auto-pay so you can set it and forget it. If you do end up missing a payment, remember that it won\u2019t be reported to the credit bureau until it\u2019s 30 days past due, so make a payment as quickly as possible to get your account current. If your payment is more than 30 days late, still pay off the amount as quickly as possible. You can then reach out to your creditor with a <a href=\"https:\/\/www.nerdwallet.com\/article\/finance\/goodwill-letter\" target=\"_blank\" rel=\"noopener\">goodwill letter <\/a>to see if they\u2019ll remove the negative mark from your account.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-closed-accounts-can-affect-your-credit-score\">Closed Accounts Can Affect Your Credit Score<\/h2>\n\n\n\n<p>It can feel good to downsize some of your credit cards that aren\u2019t in use but closing a credit account can negatively impact your score. This is because it can change your amount of available credit; one of the factors in calculating your score. Or if it was an older account, it can change the average length of your credit history.<\/p>\n\n\n\n<p>Before you close a credit card, take a look at how old the card is and how much available credit it has. It may be worthwhile to keep the accounts open and just keep the cards in a safe place where you\u2019re not tempted to use them. A good rule is to not close an account unless it\u2019s absolutely necessary.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-bill-sent-to-collections\">Bill Sent to Collections<\/h2>\n\n\n\n<p>Occasionally, despite your best efforts in paying down debt, a bill may be <a href=\"https:\/\/www.creditkarma.com\/advice\/i\/accounts-in-collections\" target=\"_blank\" rel=\"noopener\">sent to collections<\/a>. Whether it\u2019s from a long-forgotten medical debt or just something that fell off your radar, accounts in collections can be a heavy blow to your credit rating.<\/p>\n\n\n\n<p>Having an account sent to collections will cause your credit to dip suddenly, but over time your credit will recover. And, in most cases, the sooner the debt is removed from your record the better. You should make every attempt to pay off collections as soon as possible so your credit can make a swifter comeback.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-applying-for-new-credit\">Applying for New Credit<\/h2>\n\n\n\n<p>When <a href=\"https:\/\/www.cnbc.com\/select\/how-applying-for-new-credit-impacts-credit-score\/\" target=\"_blank\" rel=\"noopener\">applying for a new credit card<\/a>&nbsp;or a mortgage, a lender will often do what\u2019s called a \u201chard credit inquiry\u201d where they check your credit rating to see how much of a liability you are. Unfortunately, this process can have a negative, albeit temporary, impact on your score.<\/p>\n\n\n\n<p>Be mindful of how often you apply for new credit, and what types of lenders you apply with. While hard credit pulls fall off your credit fairly quickly, they can impede you in the long run if you make them too often.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-change-in-credit-utilization-rate\">Change in Credit Utilization Rate<\/h2>\n\n\n\n<p>This one is going to involve math, so buckle up.<\/p>\n\n\n\n<p>Your credit rating is determined in part by what\u2019s known as your \u201ccredit utilization rate,\u201d which is the amount of credit you\u2019re using divided by the amount of credit you have available to use.. This means if you significantly increase your credit usage or your credit card limits decrease, your credit utilization rate could go up and your credit rating could trend downward.<\/p>\n\n\n\n<p>Experts recommend trying to keep your credit utilization rate <a href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/credit-education\/score-basics\/credit-utilization-rate\/#:~:text=Your%20credit%20utilization%20rate%2C%20sometimes,divided%20by%20your%20credit%20limit.\" target=\"_blank\" rel=\"noopener\">less than 30%<\/a>. If you\u2019re over that percentage you may see your credit begin to decline, so either work to pay down some of the debt, or see if you can increase a credit line to give you more leeway.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-legal-actions\">Legal Actions<\/h2>\n\n\n\n<p>This type of credit hit can be particularly troublesome. <a href=\"https:\/\/www.creditkarma.com\/advice\/i\/credit-score-drop#:~:text=Credit%20scores%20can%20drop%20due,applying%20for%20new%20credit%20accounts\" target=\"_blank\" rel=\"noopener\">Derogatory marks <\/a>originating from legal actions such as a foreclosure, lawsuit, bankruptcy or tax lien typically take about 7-10 years to completely fall off your credit report, although the effect of the mark does lessen over time.<\/p>\n\n\n\n<p>If you see marks like these on your credit report but they don\u2019t look accurate or you believe a mistake has been made, you can always dispute the marks and ask them to be removed from your credit report.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-keep-your-credit-score-stable-with-lendnation\">Keep Your Credit Score Stable with LendNation<\/h2>\n\n\n\n<p>Even when you\u2019re saving money and budgeting, life still happens and you may find yourself running behind on bills. apply for a loan through LendNation to cover your payments and <a href=\"https:\/\/ppqchi.com\/blog\/article\/tips-to-build-a-good-credit-score\">keep your credit intact<\/a>.<\/p>\n\n\n\n<p>With both in-store and online options, LendNation offers a variety of loans \u2013 title loans, installment loans and payday loans \u2013 to help you stay on track. <a href=\"http:\/\/ppqchi.com\/\">Learn more and apply today!<\/a><\/p>\n<\/div>\n\n\n\n<aside class=\"wp-block-group p-post-single-related has-global-padding is-layout-constrained wp-container-core-group-is-layout-07747ed5 wp-block-group-is-layout-constrained\" style=\"padding-bottom:var(--wp--preset--spacing--80)\">\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\" style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:var(--wp--preset--spacing--60)\"\/>\n\n\n\n\n\n<h2 class=\"wp-block-heading has-display-small-font-size\" style=\"margin-top:0;margin-bottom:var(--wp--preset--spacing--50)\">Explore Related Posts<\/h2>\n\n\n\n<div class=\"wp-block-group p-latest-posts-columns is-style-default is-layout-flow\">\n\t<div class=\"wp-block-query is-layout-flow\">\n\t\t<ul class=\"is-flex-container columns-2 wp-block-post-template is-layout-flow\">\n\t\t\t\t\t<li class=\"wp-block-post post-10863 post type-post status-publish format-standard has-post-thumbnail hentry category-financial-tips tag-bnpl tag-budget-tips tag-credit-score tag-debt-to-income-ratio tag-how-bnpl-affects-credit tag-lates-fees tag-payment-plan tag-repayment-terms tag-soft-inquiry tag-what-is-bnpl\">\n\t\t\t\n\n<div class=\"wp-block-group p-post-highlight is-layout-flow wp-block-group-is-layout-flow\">\n\t<div class=\"wp-block-group 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Well-Being with This Checklist<\/a><\/p><\/div>\n\n\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-62083a6e wp-block-buttons-is-layout-flex\" style=\"margin-top:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-button is-style-tertiary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/ppqchi.com\/blog\/\">Visit Blog\n\t\t\t                                                                                                  Homepage<\/a><\/div>\n<\/div>\n<\/aside>\n<\/article>\n","protected":false},"excerpt":{"rendered":"<p>There are many reasons your credit score can drop, but there are also several ways to prevent or recover from these lows.<\/p>\n","protected":false},"author":18,"featured_media":1450,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[67],"tags":[57],"class_list":["post-1038","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-tips","tag-saving-money"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>6 Ways Your Credit Score Can Drop - LendNation<\/title>\n<meta name=\"description\" content=\"There are many reasons your credit score can drop, but there are also several ways to prevent or recover from these lows.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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