Understanding the Basics of Credit Scores
| Credit Score | Definition | Common Range |
| Payment History | How well you’ve made payments on time in the past | 35% of Score |
| Credit Utilization | How much of your credit you’re using compared to your total available credit | 30% of Score |
| Credit Age | How long you’ve had credit accounts open | 15% of Score |
| New Credit | How often you’re opening new credit accounts | 10% of Score |
| Credit Mix | The variety of credit types you have | 10% of Score |
Common Misconceptions about Credit Scores
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Myth 1: Checking Your Credit Always Lowers Your Score
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Myth 2: You Only Have One Credit Score
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Myth 3: Closing Old Accounts Boosts Your Score
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Myth 4: Making a Lot of Money Will Improve Your Credit Score
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Myth 5: Paying Off Debts Erases Them from Your Credit Report
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Steps to Building and Maintaining a Good Credit Score
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Importance of Regularly Monitoring Your Credit Score
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How Credit Myths Can Harm Your Financial Health
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