REVEALED: How RETIREMENT can 戦車／タンク your credit 得点する／非難する／２０, putting you at 危険 of higher 保険 賞与金s or 存在 否定するd 接近 to 補助装置d living 施設s - and how you can 妨げる it from 低迷ing
専門家s 警告する about credit 得点する／非難する／２０ 落し穴s to 避ける in 退職
の近くにing old accounts can 傷つける 得点する／非難する／２０s, even if the accounts are no longer used
Credit 得点する／非難する／２０s can 衝撃 保険 and healthcare 選択s in 退職?
専門家s are 警告 about credit 得点する／非難する／２０ 落し穴s to 避ける in 退職, which can have 予期しない consequences even for those retirees with 財政上の 安全.
Credit 得点する／非難する／２０s factor into a variety of 保険 and ヒース／荒れ地-care 決定／判定勝ち（する）s, 衝撃ing 賞与金s and even 影響する／感情ing whether a person is?受託するd to an 補助装置d-living 施設, 財政上の 助言者s told the 塀で囲む Street 定期刊行物 on Tuesday.?
While stopping working doesn't 直接／まっすぐに 衝撃 your credit 得点する／非難する／２０, living off a 直す／買収する，八百長をするd income, 支払う／賃金ing off old 貸付金s, and の近くにing old credit card accounts can send 得点する／非難する／２０s lower, 専門家s 警告する.
によれば credit 得点する／非難する／２０ing company FICO, 普通の／平均（する） 得点する／非難する／２０s rise as 消費者s get older, 頂点（に達する）ing at 762 when they are in their 70s, but then 減少（する） off わずかに at age 79, to 756.
A credit 得点する／非難する／２０ above 690 is still considered 'good' by most 貸す人s and a small 減少（する） above that 範囲 shouldn't 傷つける much -- but those who 落ちる below that threshold could 直面する 予期しない 頭痛s.?
専門家s are 警告 about credit 得点する／非難する／２０ 落し穴s to 避ける in 退職, which can have 予期しない consequences even for those retirees with 財政上の 安全
Many retirees who are financially 安全な・保証する, and have paid off any 貸付金s or mortgages, may feel that their credit 得点する／非難する／２０ no longer 事柄s.?
A 調査する last year from TransUnion 設立する that nearly half of American baby boomers believe their credit 得点する／非難する／２０s 事柄 いっそう少なく after age 70.
But there there are several 推論する／理由s they might want to 持続する a solid credit 記録，記録的な／記録する.
Crucially, some 補助装置d living 施設s 要求する a pre-admission credit check, the way a landlord might run a credit check before renting an apartment.?
同様に, you'll need good credit if you want to help a child or grandchild qualify for a 貸付金 or rent an apartment by co-調印 with them.?
And a 貸付金 such as a home 公正，普通株主権 line of credit can be used to 財政／金融 修理s and 昇格s that will make your home more accessible. For example, you might 広げる doorways to 融通する a 車椅子 or walker.?
The 普通の／平均（する） 65-year-old today will live until his or her 中央の-80s, によれば the Social 安全 行政.
That's why it's important to 持続する a strong credit profile even if you don't 予知する borrowing money again -- 予期しない circumstances could always arise.
Credit 得点する／非難する／２０s factor into a variety of 保険 and heathcare 決定／判定勝ち（する）s, and can 衝撃 賞与金s and even 影響する／感情 whether a person is 受託するd to an 補助装置d-living 施設
How to keep your credit 得点する／非難する／２０ up in 退職
How FICO calculates credit 得点する／非難する／２０s?
Here are the five variables used to calculate a FICO 得点する／非難する／２０ and their 親族 負わせるing:
35% 支払い（額） History: Your 跡をつける 記録，記録的な／記録する of on-time 支払い（額）s, vs any late 支払い（額）s.
30% Credit Utilization 割合:?The 百分率 of your total credit 限界 利用するd at any given time.
15% Length of Credit History:?Your 普通の／平均（する） account age, and oldest active account.
10%
Credit Mix:?Credit scorers like to see a mix of different types of 貸付金s.
10% 最近の 調査s and Newly Opened Accounts: A 急ぐ of credit checks and new accounts can negatively 衝撃 your 得点する／非難する／２０.
宣伝
A 重要な 落し穴 for many retirees is の近くにing old credit card accounts that are no longer needed.
Because the age of your oldest active account is a 重要な factor in credit 得点する／非難する／２０s, shuttering old accounts can ding your 得点する／非難する／２０.
同様に, の近くにing accounts 衝撃s your 負債-to-限界 割合, or the 量 of your total credit 限界 that is 利用するd at any given time.
Credit utilization 割合 is ひどく 負わせるd in FICO's 得点する／非難する／２０ model, accounting for 30 パーセント of a 消費者's 得点する／非難する／２０.
About one-third (34 パーセント) of US baby boomers 危険 損失ing their credit 得点する／非難する／２０s in 退職 by 減ずるing or 除去するing their use of credit cards, によれば a 調査する by TransUnion, one of the three major credit bureaus that gather （警察などへの）密告，告訴（状） used to calculate the 得点する／非難する／２０s.?
Using credit cards for small 購入（する）s keeps your credit active, 確実にするing?you'll have 利用できる credit - or good credit 得点する／非難する／２０s - when it counts.?
Keeping credit cards active doesn't mean running up 負債, as long as you 支払う／賃金 off your 十分な 声明 balance each month. Think of them as 道具s for 持続するing credit, not a 一時的な 貸付金.
If you 中止する using your credit 完全に, you may run the 危険 of having no credit 得点する／非難する／２０ at all.?
FICO considers credit とじ込み／提出するs without any activity for six months to be 'stale' and does not 問題／発行する a new 得点する／非難する／２０.
ありふれた mistakes that can 傷つける your credit 得点する／非難する／２０?
Some mistakes can be 逆転するd quick
ly. Running up credit card 法案s can 戦車／タンク your credit 得点する／非難する／２０, for instance, because the 部分 of your credit 限界s you´re using is 重さを計るd ひどく in credit 得点する／非難する／２０ing. But when you 支払う／賃金 負かす／撃墜する the 負債, the 損失 disappears as lower balances get 報告（する）／憶測d to the three major credit bureaus, Equifax, Experian and TransUnion.
Mistakes that have long-running ripple 影響s 傷つける the most, says credit 専門家 John Ulzheimer. A late 支払い（額）, for example, can get sent to a collection 機関, then perhaps grow into a repossession or 破産.?
Those 乱打する your credit and stay on your credit 記録，記録的な／記録する for years. Likewise, co-調印 a 貸付金 for someone who is later unable to 支払う／賃金 can hamstring your 財政／金融s for a long time.
MISSING A PAYMENT:?支払う／賃金ing just a day late might cost you a 刑罰，罰則 料金, but your credit 得点する／非難する／２０ won´t 苦しむ because creditors can´t 報告（する）／憶測 your account as delinquent until it´s 30 days past 予定. If you have a high 得点する／非難する／２０, going 30 days late can knock as much as 100 points off your 得点する／非難する／２０ - and it stays on your credit 報告（する）／憶測 for seven years. The 損失 gets worse if you let the account slide to 60 days past 予定, 90 days past 予定 or more. Your 得点する／非難する／２０ can 回復する, but it will take time. Catching up on that account, and keeping all other 支払い（額）s up to date and balances low, can help.
RAIDING RETIREMENT FUNDS TO PAY DEBT: Most people don´t want to とじ込み／提出する for 破産. Almost half of Americans say they would not とじ込み／提出する no 事柄 how much credit card 負債 they had, によれば a 最近の 熟考する／考慮する （売買）手数料，委託（する）／委員会／権限d by NerdWallet. 破産 弁護士／代理人／検事 Roderick H. ツバメ of Marietta, Georgia, says some of his （弁護士の）依頼人s have tapped - or even emptied - 退職 貯金 in a desperate 試みる／企てる to stay afloat. That often just 延期するs the 必然的な - "then they turn around and とじ込み／提出する for 破産
," he says. 退職 貯金 are typically 保護するd in 破産, but money already 孤立した cannot be 回復するd.
CO-SIGNING A LOAN: Aaron Smith, a 財政上の planner in Glen Allen, Virginia, says co-調印 so a friend or 親族 can get credit is often a mistake. "My personal and professional opinion is if they can´t get it on their own, there must be a problem," he says. If the 最初の／主要な borrower doesn´t 支払う／賃金 as agreed, it can leave both your 関係 and your credit in tatters. Even if the borrower 返すs as agreed, remaining on the 貸付金 can 限界 your borrowing capacity. Before you co-調印する, ask if you can be taken off the 貸付金 at some point.
SOMETIMES DOING NOTHING IS THE MISTAKE:?We may think we´re too busy to trouble ourselves with 罰金 print or 財政上の chores. Either can come 支援する to bite us.
NOT CHECKING YOUR CREDIT: "I think checking your credit is like going to your dentist for a きれいにする," says Elaine King, a certified 財政上の planner and 創立者 of the Family and Money 事柄s 学校／設ける. "You need to make a habit of doing it. If you wait too long, there can be some rotten stuff there." A credit 報告（する）／憶測 isn´t exciting reading; it´s a 要約 of your past 扱うing of credit. But "boring" is what you want - anything you didn´t 推定する／予想する to see is 価値（がある） 調査／捜査するing in 事例／患者 it´s an error or a 調印する of 詐欺. Through April 2021, you can get a 解放する／自由な credit 報告（する）／憶測 週刊誌 from the three major credit bureaus by using AnnualCreditReport.com. 計画（する） to check at least 毎年, and more often is better.
IGNORING THE DETAILS: Not knowing your credit cards' 利益／興味 率s or when a 0% 利益／興味 率 ends can cost you. Knowing 利益／興味 率s can tell you which card to use when you´re 支払う／賃金ing for a new 伝達／伝染 and need to carry th
at balance for a while, for instance. Knowing when a teaser 率 ends can help you 確実にする you´ve paid off the balance by then. It´s important to read the 罰金 print. Some cards - まず第一に／本来 蓄える／店 cards - 告発（する），告訴（する）／料金 deferred 利益／興味 if there is still a balance at the end of the introductory period. That means the "貯金" from the teaser 率 are 追加するd to your balance, wiping out any 利益.
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How 退職 can 戦車／タンク your credit 得点する／非難する／２０
