Have you ever messed up your credit score to such an extent that it seemed hopeless to even try to rebuild it again? How did you even get there? Any idea how you fell into that deep hole considering how crucial credit is today as there are certain things you just can’t do without it?

You may have thought or you think now that your credit score is absolutely irreparable, but you likely don’t know for sure. It’s like just a hunch. But there are ways you can determine if your credit score is salvageable or completely corrupted forever. 

Up next we’re going to tell you about the signs that your score is hopelessly damaged. These signs will also help you determine if you are digging your own financial grave with your actions today. Figuring out what you’re doing wrong might help you turn it right before you ruin your credit forever.


Defaulting on Account

The first factor that tells you that your account is in an irreparable state is if you have defaulted in one or many accounts. Creditors don’t trust anyone that has defaults in their accounts. It shows that you can’t be trusted.

If you have one or a number of accounts in default you’re well on your way to having an irreparable credit score. You can’t wish away your debt by just ignoring them as they still keep a blip in your account for years. 

You can always start paying your defaulted credit today in hope that one day you can rebuild.

Applying For a Lot of Credit

This doesn’t in essence factor in as much, but if you apply for a lot of credit in a short time then it will factor in. When you apply for a lot of credit over a short term it will negatively impact your credit. 

Hard inquiries are done in your file anytime you are applying for a loan or credit. These hard inquiries can dent your score up to 10% per inquiry. The inquiry stays in your account for up to 2 years and will in turn reduce your score long term.

When you have a large number of credit applications over a short period of time, creditors see you as unreliable and unable to meet the payments for those debts.

Missing Payments

Once you take a debt, at any given moment, ensure that you make your payments and in a timely manner. If you fail to make a payment in the time you have been allocated, you’re likely to forget that debt.

If you miss that payment, it also means that your creditor has to report to one of or all of the three major reporting bureaus. This, in turn, leaves a mark on your credit long-term that will be hard to scrape off.

Missing payments also becomes a habit when you start and with a number of creditors on your neck, a report from each will render your credit score irreparable. Always take account of your credit and make the payments in a timely manner so as to not forget.

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Using too Much Available Credit

When you use too much of your available credit, it means that you are dependent on it. This plays a huge role in your score, around 30% of your score.

Creditors will generally assume that you are recycling debts by taking one debt to pay for other debts. That doesn’t go well as they need to be sure that you can pay for your debts on your own without taking another loan.

If you have been or are still utilizing your available credit, you need to get a handle on that before your score becomes irreparable. If you have irreparable credit this may just be one of the factors that played a huge role to ensure that your score is irreparable.


Although it’s called an irreparable credit score, essentially it means it will take you many years of being on your best behavior before you’re going to get to enjoy the perks of credit again. Rebuilding can take years whereas tearing the house down can be done in just months so be careful.