<![CDATA[Build Your Credit - Credit Myths Debunked]]> https://buildyour.credit/articles/credit-myths en-US Sun, 02 Nov 2025 01:09:46 GMT Sun, 02 Nov 2025 01:09:46 GMT 60 Build Your Credit Copyright 2025 Build Your Credit. All rights reserved. https://buildyour.credit/logo.png Build Your Credit - Credit Myths Debunked https://buildyour.credit/articles/credit-myths 144 144 <![CDATA[The 30% Credit Utilization "Rule" is Driving People Crazy - Why You Should Stop Obsessing]]> https://buildyour.credit/articles/credit-myths/myth_30_percent_utilization_rule.html https://buildyour.credit/articles/credit-myths/myth_30_percent_utilization_rule.html Sat, 25 Oct 2025 00:00:00 GMT <![CDATA[Credit Karma Approval Odds: How Accurate Are They Really?]]> https://buildyour.credit/articles/credit-myths/myth_approval_odds_accurate.html https://buildyour.credit/articles/credit-myths/myth_approval_odds_accurate.html Sat, 25 Oct 2025 00:00:00 GMT <![CDATA[Experian Boost: Real Help or Just a Gimmick?]]> https://buildyour.credit/articles/credit-myths/myth_experian_boost_gimmick.html https://buildyour.credit/articles/credit-myths/myth_experian_boost_gimmick.html Sat, 25 Oct 2025 00:00:00 GMT <![CDATA[Do Goodwill Letters Work? (Spoiler: Yes, But You Need to Know How)]]> https://buildyour.credit/articles/credit-myths/myth_goodwill_letters_work.html https://buildyour.credit/articles/credit-myths/myth_goodwill_letters_work.html Sat, 25 Oct 2025 00:00:00 GMT <![CDATA[Do Multiple Monthly Payments Build Credit Faster?]]> https://buildyour.credit/articles/credit-myths/myth_multiple_payments_build_credit.html https://buildyour.credit/articles/credit-myths/myth_multiple_payments_build_credit.html Sat, 25 Oct 2025 00:00:00 GMT <![CDATA[Does Paying Interest Build Credit? The Expensive Myth Debunked]]> https://buildyour.credit/articles/credit-myths/myth_paying_debt_slowly_builds_credit.html https://buildyour.credit/articles/credit-myths/myth_paying_debt_slowly_builds_credit.html Sat, 25 Oct 2025 00:00:00 GMT <![CDATA[Why Did My Credit Score Drop When Nothing Changed?]]> https://buildyour.credit/articles/credit-myths/myth_score_changes_no_reason.html https://buildyour.credit/articles/credit-myths/myth_score_changes_no_reason.html Sat, 25 Oct 2025 00:00:00 GMT <![CDATA[Does Closing a Credit Card Erase Its History or Hurt Your Score?]]> https://buildyour.credit/articles/credit-myths/myth_closing_card_hurts_score_history.html https://buildyour.credit/articles/credit-myths/myth_closing_card_hurts_score_history.html Mon, 14 Jul 2025 00:00:00 GMT <![CDATA[Do Higher Credit Limits Boost Your Credit Score? The FICO Truth]]> https://buildyour.credit/articles/credit-myths/myth_credit_limits_fico_factor.html https://buildyour.credit/articles/credit-myths/myth_credit_limits_fico_factor.html Mon, 14 Jul 2025 00:00:00 GMT <![CDATA[Does More Accounts Mean Better Credit Mix? The Truth About Credit Diversity]]> https://buildyour.credit/articles/credit-myths/myth_credit_mix_more_accounts.html https://buildyour.credit/articles/credit-myths/myth_credit_mix_more_accounts.html Mon, 14 Jul 2025 00:00:00 GMT <![CDATA[Should You Really 'Dispute Everything' to Fix Your Credit? The Truth About Credit Disputes]]> https://buildyour.credit/articles/credit-myths/myth_dispute_everything.html https://buildyour.credit/articles/credit-myths/myth_dispute_everything.html Mon, 14 Jul 2025 00:00:00 GMT <![CDATA[Credit Myth: The "Dispute Everything!" Fallacy - Why This Strategy Backfires]]> https://buildyour.credit/articles/credit-myths/myth_dispute_everything_not_best_approach.html https://buildyour.credit/articles/credit-myths/myth_dispute_everything_not_best_approach.html Mon, 14 Jul 2025 00:00:00 GMT <![CDATA[Do Hard Inquiries 'Age' and Slowly Lose Impact?]]> https://buildyour.credit/articles/credit-myths/myth_hard_inquiries_age_slowly.html https://buildyour.credit/articles/credit-myths/myth_hard_inquiries_age_slowly.html Mon, 14 Jul 2025 00:00:00 GMT <![CDATA[Is a Hard Inquiry Really Only Worth a Few Points? The Truth About Credit Inquiry Impact]]> https://buildyour.credit/articles/credit-myths/myth_hard_inquiry_points.html https://buildyour.credit/articles/credit-myths/myth_hard_inquiry_points.html Mon, 14 Jul 2025 00:00:00 GMT <![CDATA[Should You Never Close Your Oldest Credit Card? The Credit Age Truth]]> https://buildyour.credit/articles/credit-myths/myth_oldest_card.html https://buildyour.credit/articles/credit-myths/myth_oldest_card.html Mon, 14 Jul 2025 00:00:00 GMT <![CDATA[You Don't Have "A" Credit Score - You Have Dozens of Different Credit Scores]]> https://buildyour.credit/articles/credit-myths/myth_only_one_credit_score.html https://buildyour.credit/articles/credit-myths/myth_only_one_credit_score.html Mon, 14 Jul 2025 00:00:00 GMT <![CDATA[Credit Score vs. Credit Profile: What Really Matters for Approval?]]> https://buildyour.credit/articles/credit-myths/myth_score_vs_profile_approval.html https://buildyour.credit/articles/credit-myths/myth_score_vs_profile_approval.html Mon, 14 Jul 2025 00:00:00 GMT <![CDATA[Credit Karma 101: The Good, The Bad, and The Misleading]]> https://buildyour.credit/articles/credit-myths/myth_credit_karma_good_bad.html https://buildyour.credit/articles/credit-myths/myth_credit_karma_good_bad.html Fri, 04 Jul 2025 00:00:00 GMT <![CDATA[Rebuilding Credit: Is Opening New Accounts the Best Way?]]> https://buildyour.credit/articles/credit-myths/myth_rebuilding_new_accounts.html https://buildyour.credit/articles/credit-myths/myth_rebuilding_new_accounts.html Fri, 04 Jul 2025 00:00:00 GMT