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Your daily financial routines may be secretly damaging your credit rating without triggering any red flags.

Advertising Disclosure: When you buy something by clicking links within this article, we may earn a small commission, but it never affects the products or services we recommend. Think your credit score is safe because you pay bills on time? Think again. Many Americans, especially those over 50, unknowingly sabotage their credit health through common financial behaviors that seem harmless.