How to Boost Your FICO Score wanted to share the four mistakes that can ‘hurt’ a credit score — be careful not to max out those credit cards. Potential lenders also care about how much a person is charging on their card, because the more they spend the less likely they will be able to repay the debt — this is where credit card utilization comes in.

The credit score you get isn’t always the same score a lender looks at when deciding whether to give you a mortgage, credit card or auto loan.

This has become less “strange” in recent years, but closing your credit cards can hurt your score.

In an effort to help customers succeed financially, Wells Fargo (NYSE: WFC) is offering its customers their free consumer credit score and complimentary credit report through Nov. 16, 2014. For more information about this limited time promotion, visit https://www.wellsfargo.com/freecreditscore for more information.

So, you want to rebuild your credit score but you have horrible credit right now — one choice is getting approved for Capital One Rebuilder credit card which usually starts cardholders with a $300 dollar credit limit.