The 8 spookiest credit score myths just in time for Halloween

Just in time for Halloween, here are seven credit score myths (and the truths that lurk beneath the surface) — so you don’t reel in horror next  time you check your score.

Myth 1: You only have one credit score

The credit industry uses many different scoring models to generate consumer credit scores.

Each version of your credit report may not contain all of the same information.

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Myth 2: All credit reports contain the same info

Myth 3: Checking your credit report hurts your credit score

Checking your own credit report doesn’t affect your credit score in any way, so knock yourself out.

Taking on too much debt and missing loan payments is bad for your credit score, but simply having debt is not harmful at all.

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Myth 4: Debt is bad for your credit score


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