Looking for help from credit and finance experts on the most damaging financial move people make that lead to a decline in their credit scores. What money mistakes do people make to damage their credit score and why are those moves so harmful? How can they be corrected, if at all? What money moves do credit score rating firms consider to be the most harmful for credit scores and why? All comments appreciated. Requirements: Credit experts, credit score experts, financial experts, budget experts, money managers, debt experts.