Once you have an established credit profile, try to avoid opening new accounts at every opportunity. Opening multiple accounts within a 12-month period can be extremely detrimental to credit scores for two reasons.
The first is applying for new credit will show inquiries on your credit report. Secondly, a new loan will add risk and could lower your credit scores.
You should pay particular attention to the number of loans you have opened in the last year. Try to space new accounts out to avoid sudden declines in your credit scores.
Two factors of new accounts are determined by the Five Factors of Credit Scoring.
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