All of the following could hurt an individual's credit score except for which action?

Requesting corrections to a credit score is an action that does not have a negative impact on an individual's credit score. In fact, this process is often beneficial as it allows the individual to address inaccuracies or outdated information that may be affecting their creditworthiness. Credit reports are not always correct, and actively seeking corrections can improve one's credit profile, leading to a positive change in credit scores over time.

On the other hand, missing loan payments, using more than 30% of the credit limit, and defaulting on a loan are all actions that can significantly harm an individual's credit score. Payment history is a critical factor in credit scoring models, so missing payments can lead to substantial decreases in scores. Additionally, utilizing a high percentage of available credit indicates to lenders that the individual may be over-leveraged, which can negatively affect credit scores. Defaulting on a loan signifies a failure to meet repayment obligations and can severely damage credit standing, often leading to long-lasting consequences.

Therefore, the action of requesting corrections is not only harmless but also a proactive measure that can lead to improved credit health.