How can you spoil a credit history?

This article is about the people who are serious about life and always properly pay its debts. But, as often happens, they may just not lucky. And in the credit history will be hard-hitting record. Who and what can ruin your credit history? We have banks that send out credit cards all in a row. It seems to be okay. You do not need credit, threw a card, but it is better not to hurry with it. Private banks, sending a card to a specific person, immediately say "poor fellow" by the borrower for the full amount limit of the card. He does not even know what's in his mailbox, the "wealth" dusts, but the delay in the meantime "drips", gradually filling the previously clean credit history. Punctuality good traits. But in the case of banks is better to be safe and do sooner rather than day to day. Otherwise, you get what you, as expected, on Friday, 13 came to pay their bills, and the bank branch system failure. You will record the delay, and something in the credit history. Still, always check the balance on the account. And that any commission will keep the money, and principal payments will not suffice. Persistence of repeated appeals for loans in different banks and disclaimers on them - this is also not paint your credit history. Each bank asks for your files from the office, where required in the closed part of the credit history to put down markers about who and where your financial interest in biography. Imagine, 4 banks have watched your story, but no credit is issued. It is unlikely that 5-second bank will be more generous. After the second failure is better to request your credit history, and if there's something not right, try to fix it. Also cautiously approach is surety for someone else.