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...