Managing credit is one of the most common subjects that I’ve been getting asked about lately. Perhaps it’s because so many had their credit scores damaged during the recession and are now trying to improve them in order to qualify for the record low mortgage rates we’ve been seeing. In addition, employers have increasingly been using credit reports to evaluate applicants and especially in this job market, every little factor really counts. So regardless of your motivation, here are some of the most common credit myths I’ve heard that could […]