Mistake no. 1
Walking into a negotiation for a mortgage, car loan, or other big-ticket line of credit without knowing exactly where your credit score stands.
Putting off understanding or dealing with your credit situation.
Understanding the ways various negatives hurt your credit score - and how seemingly unimportant factors can help it.
Not paying attention to the mix and timing of your new credit applications.
Failing to deal with your credit issues using a coherent strategy and approach.