Beginner's Guide to Ruining Your Credit Score

Tactic 1: Don't Pay Your Bills

It's not that we don't trust you, but why bother with boring, old bills when you can just let them pile up like so many unpaid parking tickets?

Advanced Tactics

Tactic 2: Max Out Your Credit Cards

Who needs financial security when you can have a 30,000-mile credit card bill and a side of buyer's remorse?

Tactic 3: Apply for Multiple Credit Cards in a Single Day

Because who needs personal finance when you can have a dozen new cards and a 100% chance of getting them all declined?