Hi, my name is Aperna Shaw and I lead the Direct to Consumer Business at Equifax. Today, we're going to go over some things that generally don't hurt your credit. Number one, using a debit card instead of a credit card. When you pay with a credit card, you're essentially borrowing the funds to pay back later. With a debit card, you're using money you already have in an account. No borrowing is involved and debit card information doesn't appear on your credit report or in your credit scores. Number two, getting a pay cut. Your income generally isn't a factor used to calculate credit scores and it isn't included in your credit report. However, some lenders and creditors may consider your income information, generally with your permission. When evaluating a request or application for credit, like an application for a mortgage or an auto loan. Number three, getting married. If you get married, you'll still have your own individual credit reports and scores and so will your spouse. However, if you open up joint credit accounts, those will be visible on both you and your spouse's credit reports. Number four, having a credit application denied. A denied credit application won't affect credit scores. Keep in mind that if you're applying for certain types of loans, the application itself may result in a hard inquiry, which is when the bank looks at your credit. And that hard inquiry may negatively impact your credit scores. Number five, having high interest rates. Interest rates and annual percentage rates, APRs, on your credit accounts, don't appear on your credit report and aren't a factor used to calculate credit scores. It's important to remember that these are just general guidelines and some factors may affect credit scores differently, depending on your individual circumstance. If you're concerned about your credit scores, you should talk to a credit counselor. For more resources and to learn about living your financial best, visit Equifax.com-slashlearn. Thanks for watching.