We all know that making late payments or having credit card accounts in collections can hurt your credit scores. But you might be shocked to learn that a lot of other seemingly innocent actions can also negatively impact your credit rating.
Here's a list of five surprising things that can lower your credit scores -- and keep you from having a stellar credit report.
Renting a Car With a Debit Card
I learned about this credit-busting issue the hard way: after I rented a car in 2009 from Avis using my debit card.
I thought I was being responsible by using a debit card linked to my checking account. After all, I figured, a debit card would help me avoid unnecessary credit card debt bills and stick to my zero debt lifestyle.
But no. In the fine print of its rental agreements, Avis includes a clause that basically says the company has the right to pull your credit report if you use a debit card as opposed to a credit card. In all fairness, most other car rental companies have contracts with the same clause.