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Myth: My poor score will be with me forever.

Your credit score is just a "snapshot" of your credit risk at a particular point in time and is always changing. That means as you continue to make payments on time and pay down your debt, your credit score will steadily improve... read: "Top 5 Credit Myths"

What factors aren't included in my score?

In order to make credit score fair for everyone, there are many factors, like race, age, and religion, to name a few, that are never included in calculating your credit score. read: "What factors aren't included in my score?"

Credit Bureaus

There are three major credit bureaus, all who use the FICO model to calculate credit scores. Each bureau compiles their own credit reports, so it is important to check your report from each of them to ensure against inaccuracies and fraud. read: "Credit Bureaus"

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