11 things that surprisingly don’t affect your credit score

Plus, the best money decision I’ve made all year No Images? Click here       We’re more than halfway through the year, but I already know the best thing I did for my budget in 2018: I didn’t memorize my debit card number. This is a small thing, but in the past I would memorize the number so that I could make purchases online without having to get off the couch and get my wallet. Now, not knowing it off the top of my head keeps me from a lot of spur-of-the-moment purchases I don’t really need to make. I’ve also started clicking to decline when a website asks me if I’d like it to save my credit card information. It’s a small way I make my laziness work for me, not against me, when it comes to money. Speaking of financial decisions, do you know how many don’t affect your credit score? We’ve got a list below that will help you understand how that works, plus tips for dealing with student loans, job interviews, this summer heat, money and marriage, and more. Memorize those good things instead! Janie   Take back your life Did you know your income level has no direct bearing on your credit score? Knowing exactly what factors into your score is crucial to peace of mind and fixing your credit. We’ve got a list of 10 more things that don’t matter to your score at all – and a few may surprise you. Think these things hurt your credit score? Try again.     Deal with it Renegotiating student loan payments is a confusing, complicated process that varies greatly depending on whether your loans are private or backed by the government. Private loans have fewer forgiveness or payment plan options, but there is a secret weapon you can use when trying to lower your private loan payments. It’s just one word, but it might make all the difference. The one word you should say when negotiating payments Pro Tip: Ever get a new iPhone, log on to Amazon, and become totally overwhelmed by the sheer number of protective cases available? Save yourself the struggle by checking out Wirecutter’s list of the best iPhone cases, based on hundreds of tests. Want more practical magic? 7 sneaky things making your home unbearably hot [HuffPost] 4 money maneuvers that can take down a marriage [US News] What to know about money in your 50s and 60s [Lifehacker] The best answers to ageist job interview questions [Considerable]    .     HuffPost is now a part of Oath and a part of Verizon. On May 25, 2018 we introduced a new Oath Privacy Policy which will explain how your data is used and shared. Learn More. No moon dust. No B.S. Just a completely essential daily guide to achieving the good life. Subscribe here. Like what you see? Share it. Can't get enough? You'll also love HuffPost's Entertainment newsletter. ©2018 HuffPost | 770 Broadway, New York, NY 10003 You are receiving this email because you signed up for updates from HuffPost Feedback | Privacy Policy | Unsubscribe      . - - Preferences  |  Unsubscribe