# 12 Things That Don’t Hurt Your Credit Score
Author:  Pal Sinha, Barnali 
Author URL: https://financedigest.com/author/pal-sinha-barnali
Published: 2021-06-09
Category: FINANCE
Category URL: https://financedigest.com/category/finance
Meta Title: 12 Things That Won't Hurt Your Credit Score
Meta Description: Find out what won't harm your credit score, from checking your report to paying off installment loans. Learn how to maintain a healthy credit score.
URL: https://financedigest.com/12-things-that-dont-hurt-your-credit-scorehtml

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_**By Stefanie Gordon**_

We often see doomsday articles about what can hurt or temporarily ding your credit score: _Making late payments! Having a high credit utilization ratio!_ [Applying for a debt consolidation loan](https://www.credello.com/debt/debt-consolidation-loans/) _!_

But there are also plenty of things that won’t affect your [credit score](https://www.financedigest.com/5-ways-to-grow-your-business-despite-a-bad-credit-score.html "5 Ways to Grow Your Business despite a Bad Credit Score"). In this article, we’ll go over 12 things that won’t [negatively impact](https://www.financedigest.com/how-gdpr-could-negatively-impact-the-careers-of-finance-professionals.html "How GDPR could negatively impact the careers of finance professionals") your credit.

## Things that won’t hurt your credit

1. ### Checking your credit report


Checking your credit [report](https://www.financedigest.com/equiniti-credit-services-investigates-consumer-attitudes-to-lending-in-new-report.html "Equiniti Credit Services investigates consumer attitudes to lending in new report") won’t hurt your credit. You can check your [report as many times](https://www.financedigest.com/sun-realm-switches-complicated-spreadsheet-reporting-for-ground-breaking-insight-solution-generating-time-savings-of-over-30.html "Sun Realm switches complicated spreadsheet reporting for ground breaking Insight solution generating time savings of over 30%") as you’d like without damaging your score. Just make sure you’re doing it through a reputable party.

2. ### Losing your job


Losing your job and reliable income may prevent you from being approved for a [loan/credit card, but it won’t be reflected in your credit score](https://www.financedigest.com/1-in-5-uk-adults-have-no-idea-what-a-credit-score-is.html "1 in 5 UK adults have no idea what a credit score is") directly. Obviously if your [loss of income impacts](https://www.financedigest.com/uncover-the-impact-of-2016s-natural-catastrophe-losses.html "Uncover the impact of 2016’s natural catastrophe losses") your ability to pay bills on time, your score can suffer.

3. ### Cellphone payments


Your cellphone provider may take a look at your [credit score](https://www.financedigest.com/benefits-of-a-good-credit-score.html "Benefits of a good credit score") before approving you for service, but they don’t typically provide your info to the credit bureaus.

4. ### Interest rates


Your [credit score can dictate what interest rates you’re offered](https://www.financedigest.com/credit-suisse-offers-higher-deposit-rates-in-asia-to-woo-the-wealthy-sources.html "Credit Suisse offers higher deposit rates in Asia to woo the wealthy – sources"), but your interest rates won’t influence your score. Paying high-interest [rates will likely be bad for your finances](https://www.financedigest.com/ai-based-fraud-scoring-boosts-loan-approval-rate-by-50-per-cent-for-id-finance.html "AI-based fraud scoring boosts loan approval rate by 50 per cent for ID Finance"), but they won’t ding your credit.

5. ### Soft pulls


A soft pull, or soft inquiry, is a credit check that’s done without you applying for credit, e.g. if you check your [credit score](https://www.financedigest.com/machine-learning-critical-for-better-sme-credit-scoring-in-trade-finance.html "Machine learning critical for better SME credit scoring in trade finance").

6. ### Overdrawing your bank account


Overdrawing your [bank account can cost](https://www.financedigest.com/factbox-global-banks-take-axe-to-jobs-as-cost-pressures-mount.html "Factbox-Global banks take axe to jobs as cost pressures mount") you money, but it won’t hurt your credit assuming you pay your overdraft transactions prior to them going to collections.

7. ### Payments to insurance companies


[Insurance companies will use your credit](https://www.financedigest.com/managing-trade-credit-and-insurance-in-the-context-of-international-commerce-expansion.html "Managing trade credit and insurance in the context of international commerce expansion ") score to make decisions about whether to approve you and what your premiums are, but they won’t report your payments to the credit bureaus.

8. ### Rent


Paying your rent likely won’t affect your credit, unless you [fall behind](https://www.financedigest.com/behind-ftxs-fall-battling-billionaires-and-a-failed-bid-to-save-crypto.html "Behind FTX’s fall, battling billionaires and a failed bid to save crypto") and get evicted (which will hurt your score).

9. ### Not paying your credit card balance in full


Your [credit score](https://www.financedigest.com/scores-rates-and-repaymentsbusting-the-myths-of-your-credit-applications.html "Scores, rates and repayments:Busting the myths of your credit applications") won’t take a hit from you carrying a small monthly balance. However, carrying a high balance can result in you having a high [credit utilization](https://www.financedigest.com/austria-grants-credit-line-to-vienna-utility-squeezed-by-power-price-surge.html "Austria grants credit line to Vienna utility squeezed by power price surge") ratio, which can hurt your credit score.

10. ### Disputing credit report errors


Disputing errors you find on your [credit report](https://www.financedigest.com/banks-recover-75-of-defaulted-debt-owed-by-large-corporate-borrowers-finds-new-global-credit-data-report.html "Banks recover 75% of defaulted debt owed by large corporate borrowers, finds new Global Credit Data report") won’t hurt your score. Don’t worry, the credit bureaus aren’t petty and vindictive.

11. ### Paying off installment loans


Paying off an installment loan, such as a [car loan](https://www.financedigest.com/6-reasons-to-take-a-car-loan-from-a-credit-union.html "6 Reasons to Take a Car Loan From a Credit Union") or mortgage, doesn’t hurt your score. In fact, responsible installment [loan payments show that you can manage many types of credit](https://www.financedigest.com/4-ways-to-get-a-bad-credit-loan.html "4 Ways to Get a Bad Credit Loan").

12. ### Not using your credit cards


Not using your [credit cards](https://www.financedigest.com/uk-credit-card-borrowing-rises-by-most-since-2005-boe.html "UK credit card borrowing rises by most since 2005 – BoE") doesn’t hurt your score. However, if your cards are closed due to inactivity, that can hurt your credit [score since it will shorten the overall age of your credit accounts and potentially raise](https://www.financedigest.com/how-to-raise-my-credit-score-40-points-fast.html "How to raise my credit score 40 points fast") your credit utilization ratio.

See? Not everything will negatively affect your score. Go forth and spend wisely. By maintaining positive [financial habits like always paying on time](https://www.financedigest.com/how-can-financial-services-companies-compete-more-effectively-in-times-of-uncertainty.html "How can Financial Services Companies compete more effectively in times of uncertainty?"), your credit score will likely be just fine.

**_About Author:_**

_Stefanie Gordon is a [content strategist with over a decade of professional writing experience](https://www.financedigest.com/western-digital-transforms-the-mobile-experience-with-new-high-performance-solutions-designed-to-address-todays-and-tomorrows-consumer-demand-for-high-quality-content.html "Western Digital Transforms the Mobile Experience with New High-Performance Solutions Designed to Address Today’s and Tomorrow’s Consumer Demand for High-Quality Content"). She is a [former financial journalist who has spent the last several years](https://www.financedigest.com/death-of-former-pope-benedict-overshadows-new-year-at-vatican.html "Death of former Pope Benedict overshadows New Year at Vatican") working in digital marketing. She specializes in content strategy and creation for large and small [businesses in finance](https://www.financedigest.com/6-ways-to-spring-clean-your-business-finances.html "6 ways to Spring clean your business finances") and technology._

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