# Credit

**URL:** <https://boards.straightdope.com/t/credit/78559>\
**Category:** Factual Questions\
**Created:** [August 28, 2001, 5:57pm UTC](https://boards.straightdope.com/t/credit/78559 "2001-08-28T17:57:42Z")\
**Posts on this page:** 2\
**Page:** 1

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**Author:** ![horhay\_achoa](https://avatars.discourse-cdn.com/v4/letter/h/ccd318/32.png) [@horhay\_achoa](https://boards.straightdope.com/u/horhay_achoa)\
**Post date:** [August 28, 2001, 5:57pm UTC](https://boards.straightdope.com/t/credit/78559/1 "2001-08-28T17:57:42Z")

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What things affect your credit rating? I know late payments, but I have heard other things too. Applying for a credit card? Having credit cards even if you have never activated them? What else and how does it work?

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**Author:** ![barker](https://avatars.discourse-cdn.com/v4/letter/b/919ad9/32.png) [@barker](https://boards.straightdope.com/u/barker)\
**Post date:** [August 28, 2001, 6:27pm UTC](https://boards.straightdope.com/t/credit/78559/2 "2001-08-28T18:27:20Z")

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Here is a short thread from a couple of days ago. Some basic information and links included: [http://boards.straightdope.com/sdmb/showthread.php?threadid=83391](http://boards.straightdope.com/sdmb/showthread.php?threadid=83391)