So you really want to ruin your credit score? We have the perfect recipe for you! Just remember: once you go down the road to credit inferno, there is no quick shortcut to fix it. You've been warned!

The benefits of maintaining a high credit score cannot be stressed enough if you aim at borrowing money for a home, car or other high priced item. Too often we destroy our precious credit score when we're young then spend the rest of our lives trying...