Credit lending organizations such as Banks and Credit card companies these days strictly consider the applicant's Credit score before approving credits. A credit score is a numerical figure based on a person's previous credit profile statistics, usually recorded by a credit reporting agency. A positive and high credit score can get you a credit approved in lesser time and minimal documentation. Having a Credit score, Bad can end your credit application in a trash, or you will have to pay more interest on the same. Bad credit scores also seriously affect your future lending opportunities. As loans and credits are inevitable in a common man's life it is important to take care of your Credit scores. Here are some common causes for a bad Credit score: Irregular payment history is the main cause of a bad credit score. 35% of credit score is made up by past payment records, so making frequent late payments and skipping credit payments can prove hard for your credit score. The next 30% of Credit score is contributed by the credits you hold at present. A money lender will be reluctant to offer you more credit if you already owe some amount to another bank or your credit card account. So keeping high outstanding figures in your previous credit accounts will affect your present credit score even if you are paying your instalments on time. So always keep your debt to income ratio as low as possible. Next factor contributing to your credit scores is the period you have been accessed to credit files. If you have a 10 year previous payment track, it will benefit you in getting a new credit approved in lesser processing period. However make sure your repayment track is flawless. A one year flawless track is better than a 10 year bad one. Credit card usage is another crucial thing which can go bad on your credit scores. Don't use a credit card if you are not sure about your fiscal conditions going well. Higher credit limit to debt limit ratio can cause your credit scores go down. Acquiring bad credit scores is an easy thing that you can do within a year or two but getting rid of these bad credit scores and improving may take you even years of financial planning. So always keep eyes on how your Credit scores are moving. Someone with a credit score bad is considered as a "Credit risk" by money lending organizations.