10/30/2026
🎃 Credit Score: Trick or Treat? Let's bust some credit myths before they turn into mortgage nightmares. 👻
There is SO much misinformation out there about credit scores, and believing the wrong advice could leave you making decisions that don't help your credit at all.
Here are 3 myths I want you to stop believing:
💳 Myth 1: Checking your own credit score hurts it.
Not true! Checking your own score is generally a soft inquiry and doesn't affect your score.
💀 Myth 2: Carrying a credit card balance and paying interest builds credit.
Nope! You don't need to pay interest to build credit. Keeping your balances low relative to your limits is generally a better approach.
👻 Myth 3: Paying a collection makes it disappear.
Not necessarily! The history may remain, and you need to make sure the account is accurately updated on your credit report.
Here's your reminder that credit isn't about being perfect. It's about understanding what's on your report and knowing what steps you can take next.
If you're thinking about buying a home and worried about your credit, let's talk. I've helped people work through credit challenges, and I'm not here to judge your past. I'm here to help you make a plan for your future. 🏡
Save this post for your next credit check, and send it to someone who needs to hear it!
