Intro: A low credit score usually has a clear cause.
1. Missed payments
Even one late payment affects your score.
2. High credit usage
Using most of your limit lowers your rating.
3. No credit history
You need activity to build a score.
4. Old addresses
Out‑of‑date details cause mismatches.
5. When to check your report
Mistakes are more common than you think.
Summary: Most low scores come from missed payments or high credit use.