A smart financial decision can create a very negative result to a personal credit score. Unfortunately, most consumers are not aware of these penalties and therefore do not avoid them. Here's an example I remember from a client of mine named Karen: She went from 662 to 593 in 81 days. What had she done? In a well-intentioned but ultimately costly move, she had accepted a "zero interest for 6 months" offer. She didn't want to utilize her current Visa at 19% believing that the rate was too high. That was the well-intentioned part - 0% interest instead of 19% interest- but the Credit Scoring System doesn't know what interest rates you or I or Karen pays....nor does it care. Her score dropped 81 points. Is it smart to pay 0% interest instead of 19% interest? Absolutely. Can that action, even if smart, lower a credit score? Absolutely. This book is about the Financial Folly that consumers all across America experience simply for making smart financial decisions. Seven of these smart financial decisions are described in detail so that consumers can better understand the negative impact that will occur and can avoid "accidently lowering their own credit scores". Lower scores can cost consumers hundreds or thousands of dollars each year in additional interest, higher insurance premiums, and missed job opportunities. Learn the truth about these seven smart financial decisions.