Confused about credit? You’re not alone.

Some of these statements are true, some are partially true, some are misleading, and some are outright false. Can you confidently pick out which is which?

Checking my credit report lowers my credit score.

Having no balance will increase my credit score.

Carrying a balance will increase my credit score.

Credit scores are impacted by income.

I don’t need a credit card to build credit.

I don’t need to worry about credit until I’m older.

Closing a credit card will improve my score.

Buy now, pay later doesn’t impact my credit.

You have credit questions, we have credit answers.

Join the Office for Financial Success for a discussion with about credit building where we’ll bust credit myths and misconceptions so you can get clear about how to effectively build a solid credit score. Don’t wait – your credit score is an essential piece of long-term financial stability.