It’s hard to believe that it’s almost the holiday season. Many stores are already sporting Christmas decorations, and I’ve started seeing Cyber Monday ads. Really? We haven’t even hit Halloween. Anyway, the holiday season is also the spending season. With travel, dining, entertainment, and gift buying, it’s easy for people to increase their debt structure. I thought it would be appropriate to remind you of some quick and easy ways to hurt your credit score so you can do the opposite.