clipped from: nwihomeloan.com 
With the recent Credit Crunch causing widespread worries and Christmas shopping just around the corner, now is a great time to discuss things that we do to hurt our credit scores.
Keep in mind that very good credit is a necessity these days, where just a year ago, average credit was acceptable. As you read this, remember that your credit score dictates your ability to get a mortgage loan, the interest rate on your mortgage and auto loans, your credit card interest rates and even the amount you pay for insurance.
Let’s start with the simple and most obvious things that we do to hurt our credit….