Too many inquiries in a short period (shows you are credit seeker)
Bad payment history (R2: 60 days late, 10-15 points off)
High balance on credit limit (using up all available limit on each card)
Accepting too many credit cards in the mail (each application is a hard hit 4-6 points off)
Accounts closed at the bank request
Judgement, bankruptcy, liens, consumer proposal history
Other tips on maintaining credit score and free credit report
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