These are of No Affection to Your Credit Score III
Credit card interest rate
You credit score will not be affected with high or low interest rates on credit cards. However when lenders typically give the best rates to borrowers with the best credit scores, there could be a correlation between credit scores and interest rates. Then you interest rate could be affected by your credit scores.
Don’t think that credit counseling is as bad for your credit as chapter 13 bankruptcy. Credit counseling will not influence your credit score though it may be reflected on your credit report. However you should make sure your creditor is getting your payments on time if a credit counselor is managing your credit cards payments. Even they are credit counselor your credit score will be affected as well.
Young or old
The credit score is not calculated with you age. However your credit score somehow has something to do with your age. As for a young, whose credit score could be limited because he does not have enough experience with credit. The people older with more credit history could have a higher credit score since they have time for early credit mistakes to drop off their credit report.