{"id":820,"date":"2023-12-07T19:15:12","date_gmt":"2023-12-07T13:45:12","guid":{"rendered":"https:\/\/credittriangle.com\/blog\/?p=820"},"modified":"2024-01-31T14:06:18","modified_gmt":"2024-01-31T08:36:18","slug":"here-are-some-common-myths-about-credit-scores","status":"publish","type":"post","link":"https:\/\/credittriangle.com\/blog\/here-are-some-common-myths-about-credit-scores\/","title":{"rendered":"Here are some common myths about credit scores:"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"820\" class=\"elementor elementor-820\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8a203a0 e-flex e-con-boxed e-con e-parent\" data-id=\"8a203a0\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9421d35 elementor-widget elementor-widget-text-editor\" data-id=\"9421d35\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol><li style=\"font-weight: 400;\" aria-level=\"1\"><b>A low credit score disqualifies you from all credit cards<\/b><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">: This is not true. While a low\u00a0<a href=\"https:\/\/credittriangle.com\/\" target=\"_blank\" rel=\"noopener\">credit score<\/a>\u00a0can make it harder to get approved for credit cards, it doesn\u2019t mean you won\u2019t be able to get one .<\/span><\/span><p>\u00a0<\/p><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Paying your utility bills on time improves your credit<\/b><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">: While paying your utility bills on time is important, it doesn\u2019t directly impact your credit score. However, if you miss payments, it could negatively impact your credit score .<\/span><\/span><p>\u00a0<\/p><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Experian, TransUnion, and Equifax calculate credit scores the same way<\/b><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">: While all three credit bureaus use similar methods to calculate credit scores, the scores may differ slightly due to differences in the data they collect .<\/span><\/span><p>\u00a0<\/p><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Every adult automatically has a credit score<\/b><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">: This is not true. You need to have a credit history to have a credit score. If you\u2019ve never taken out a loan or credit card, you may not have a credit score .<\/span><\/span><p>\u00a0<\/p><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Checking your credit hurts your credit score<\/b><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">: This is not true. Checking your own credit report or score is considered a \u201csoft inquiry\u201d and does not impact your credit score. However, if a lender checks your credit as part of a loan or credit card application, it will be considered a \u201chard inquiry\u201d and could impact your credit score .<\/span><\/span><p>\u00a0<\/p><\/li><\/ol><p><span style=\"font-weight: 400;\">I hope this helps clear up some common misconceptions about\u00a0<\/span><a href=\"https:\/\/credittriangle.com\/\" target=\"_blank\" rel=\"noopener\">credit scores<\/a><span style=\"font-weight: 400;\">. Let me know if you have any other questions.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>A low credit score disqualifies you from all credit cards: This is not true. While a low\u00a0credit score\u00a0can make it harder to get approved for credit cards, it doesn\u2019t mean you won\u2019t be able to get one . \u00a0 Paying your utility bills on time improves your credit: While paying your utility bills on time&#8230;<\/p>\n","protected":false},"author":2,"featured_media":797,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6,1,49,58,67,7,47,55,176,8,60],"tags":[5,42,232,215,9],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Here are some common myths about credit scores: - Credit Triangle<\/title>\n<meta name=\"description\" content=\"Here are some common myths about credit scores: this blog explains exactly that with some quick tips and examples\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/credittriangle.com\/blog\/here-are-some-common-myths-about-credit-scores\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Here are some common myths about credit scores: - Credit Triangle\" \/>\n<meta property=\"og:description\" content=\"Here are some common myths about credit scores: this blog explains exactly that with some quick tips and examples\" \/>\n<meta property=\"og:url\" content=\"https:\/\/credittriangle.com\/blog\/here-are-some-common-myths-about-credit-scores\/\" \/>\n<meta property=\"og:site_name\" content=\"Credit Triangle\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/CreditTriangle\/\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/CreditTriangle\" \/>\n<meta property=\"article:published_time\" content=\"2023-12-07T13:45:12+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-01-31T08:36:18+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/credittriangle.com\/blog\/wp-content\/uploads\/2023\/12\/6.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1755\" \/>\n\t<meta property=\"og:image:height\" content=\"1755\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Credit Triangle\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@credittriangle\" \/>\n<meta name=\"twitter:site\" content=\"@credittriangle\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Credit Triangle\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/credittriangle.com\/blog\/here-are-some-common-myths-about-credit-scores\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/credittriangle.com\/blog\/here-are-some-common-myths-about-credit-scores\/\"},\"author\":{\"name\":\"Credit Triangle\",\"@id\":\"https:\/\/credittriangle.com\/blog\/#\/schema\/person\/ce6e7d536b5d700c9eb59c312f04cfa0\"},\"headline\":\"Here are some common myths about credit scores:\",\"datePublished\":\"2023-12-07T13:45:12+00:00\",\"dateModified\":\"2024-01-31T08:36:18+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/credittriangle.com\/blog\/here-are-some-common-myths-about-credit-scores\/\"},\"wordCount\":243,\"publisher\":{\"@id\":\"https:\/\/credittriangle.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/credittriangle.com\/blog\/here-are-some-common-myths-about-credit-scores\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/credittriangle.com\/blog\/wp-content\/uploads\/2023\/12\/6.png\",\"keywords\":[\"Credit Score\",\"Credit Score Improvement\",\"credit score improvement service\",\"improve my credit score\",\"Personal Loan\"],\"articleSection\":[\"CIBIL\",\"Credit Bureau\",\"credit card\",\"Factors affect credit score\",\"Fix credit\",\"Loans\",\"Negative credit report\",\"Online credit repair\",\"Online Security\",\"Personal Loan\",\"ways to build credit score\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/credittriangle.com\/blog\/here-are-some-common-myths-about-credit-scores\/\",\"url\":\"https:\/\/credittriangle.com\/blog\/here-are-some-common-myths-about-credit-scores\/\",\"name\":\"Here are some common myths about credit scores: - Credit Triangle\",\"isPartOf\":{\"@id\":\"https:\/\/credittriangle.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/credittriangle.com\/blog\/here-are-some-common-myths-about-credit-scores\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/credittriangle.com\/blog\/here-are-some-common-myths-about-credit-scores\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/credittriangle.com\/blog\/wp-content\/uploads\/2023\/12\/6.png\",\"datePublished\":\"2023-12-07T13:45:12+00:00\",\"dateModified\":\"2024-01-31T08:36:18+00:00\",\"description\":\"Here are some common myths about credit scores: this blog explains exactly that with some quick tips and examples\",\"breadcrumb\":{\"@id\":\"https:\/\/credittriangle.com\/blog\/here-are-some-common-myths-about-credit-scores\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/credittriangle.com\/blog\/here-are-some-common-myths-about-credit-scores\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/credittriangle.com\/blog\/here-are-some-common-myths-about-credit-scores\/#primaryimage\",\"url\":\"https:\/\/credittriangle.com\/blog\/wp-content\/uploads\/2023\/12\/6.png\",\"contentUrl\":\"https:\/\/credittriangle.com\/blog\/wp-content\/uploads\/2023\/12\/6.png\",\"width\":1755,\"height\":1755,\"caption\":\"credit scores\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/credittriangle.com\/blog\/here-are-some-common-myths-about-credit-scores\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/credittriangle.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Here are some common myths about credit scores:\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/credittriangle.com\/blog\/#website\",\"url\":\"https:\/\/credittriangle.com\/blog\/\",\"name\":\"Credit Triangle\",\"description\":\"Credit Made Simple\",\"publisher\":{\"@id\":\"https:\/\/credittriangle.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/credittriangle.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/credittriangle.com\/blog\/#organization\",\"name\":\"Credit Triangle\",\"url\":\"https:\/\/credittriangle.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/credittriangle.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/credittriangle.com\/blog\/wp-content\/uploads\/2019\/12\/logo_head.png\",\"contentUrl\":\"https:\/\/credittriangle.com\/blog\/wp-content\/uploads\/2019\/12\/logo_head.png\",\"width\":371,\"height\":69,\"caption\":\"Credit Triangle\"},\"image\":{\"@id\":\"https:\/\/credittriangle.com\/blog\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/CreditTriangle\/\",\"https:\/\/x.com\/credittriangle\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/credittriangle.com\/blog\/#\/schema\/person\/ce6e7d536b5d700c9eb59c312f04cfa0\",\"name\":\"Credit Triangle\",\"sameAs\":[\"https:\/\/credittriangle.com\",\"https:\/\/www.facebook.com\/CreditTriangle\",\"https:\/\/instagram.com\/credit_triangle\",\"https:\/\/www.linkedin.com\/company\/credit-triangle\/\",\"https:\/\/x.com\/credittriangle\"],\"url\":\"https:\/\/credittriangle.com\/blog\/author\/credit-triangle\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Here are some common myths about credit scores: - Credit Triangle","description":"Here are some common myths about credit scores: this blog explains exactly that with some quick tips and examples","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/credittriangle.com\/blog\/here-are-some-common-myths-about-credit-scores\/","og_locale":"en_US","og_type":"article","og_title":"Here are some common myths about credit scores: - Credit Triangle","og_description":"Here are some common myths about credit scores: this blog explains exactly that with some quick tips and examples","og_url":"https:\/\/credittriangle.com\/blog\/here-are-some-common-myths-about-credit-scores\/","og_site_name":"Credit Triangle","article_publisher":"https:\/\/www.facebook.com\/CreditTriangle\/","article_author":"https:\/\/www.facebook.com\/CreditTriangle","article_published_time":"2023-12-07T13:45:12+00:00","article_modified_time":"2024-01-31T08:36:18+00:00","og_image":[{"width":1755,"height":1755,"url":"https:\/\/credittriangle.com\/blog\/wp-content\/uploads\/2023\/12\/6.png","type":"image\/png"}],"author":"Credit Triangle","twitter_card":"summary_large_image","twitter_creator":"@credittriangle","twitter_site":"@credittriangle","twitter_misc":{"Written by":"Credit Triangle","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/credittriangle.com\/blog\/here-are-some-common-myths-about-credit-scores\/#article","isPartOf":{"@id":"https:\/\/credittriangle.com\/blog\/here-are-some-common-myths-about-credit-scores\/"},"author":{"name":"Credit Triangle","@id":"https:\/\/credittriangle.com\/blog\/#\/schema\/person\/ce6e7d536b5d700c9eb59c312f04cfa0"},"headline":"Here are some common myths about credit scores:","datePublished":"2023-12-07T13:45:12+00:00","dateModified":"2024-01-31T08:36:18+00:00","mainEntityOfPage":{"@id":"https:\/\/credittriangle.com\/blog\/here-are-some-common-myths-about-credit-scores\/"},"wordCount":243,"publisher":{"@id":"https:\/\/credittriangle.com\/blog\/#organization"},"image":{"@id":"https:\/\/credittriangle.com\/blog\/here-are-some-common-myths-about-credit-scores\/#primaryimage"},"thumbnailUrl":"https:\/\/credittriangle.com\/blog\/wp-content\/uploads\/2023\/12\/6.png","keywords":["Credit Score","Credit Score Improvement","credit score improvement service","improve my credit score","Personal Loan"],"articleSection":["CIBIL","Credit Bureau","credit card","Factors affect credit score","Fix credit","Loans","Negative credit report","Online credit repair","Online Security","Personal Loan","ways to build credit score"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/credittriangle.com\/blog\/here-are-some-common-myths-about-credit-scores\/","url":"https:\/\/credittriangle.com\/blog\/here-are-some-common-myths-about-credit-scores\/","name":"Here are some common myths about credit scores: - Credit Triangle","isPartOf":{"@id":"https:\/\/credittriangle.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/credittriangle.com\/blog\/here-are-some-common-myths-about-credit-scores\/#primaryimage"},"image":{"@id":"https:\/\/credittriangle.com\/blog\/here-are-some-common-myths-about-credit-scores\/#primaryimage"},"thumbnailUrl":"https:\/\/credittriangle.com\/blog\/wp-content\/uploads\/2023\/12\/6.png","datePublished":"2023-12-07T13:45:12+00:00","dateModified":"2024-01-31T08:36:18+00:00","description":"Here are some common myths about credit scores: this blog explains exactly that with some quick tips and examples","breadcrumb":{"@id":"https:\/\/credittriangle.com\/blog\/here-are-some-common-myths-about-credit-scores\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/credittriangle.com\/blog\/here-are-some-common-myths-about-credit-scores\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/credittriangle.com\/blog\/here-are-some-common-myths-about-credit-scores\/#primaryimage","url":"https:\/\/credittriangle.com\/blog\/wp-content\/uploads\/2023\/12\/6.png","contentUrl":"https:\/\/credittriangle.com\/blog\/wp-content\/uploads\/2023\/12\/6.png","width":1755,"height":1755,"caption":"credit scores"},{"@type":"BreadcrumbList","@id":"https:\/\/credittriangle.com\/blog\/here-are-some-common-myths-about-credit-scores\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/credittriangle.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Here are some common myths about credit scores:"}]},{"@type":"WebSite","@id":"https:\/\/credittriangle.com\/blog\/#website","url":"https:\/\/credittriangle.com\/blog\/","name":"Credit Triangle","description":"Credit Made Simple","publisher":{"@id":"https:\/\/credittriangle.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/credittriangle.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/credittriangle.com\/blog\/#organization","name":"Credit Triangle","url":"https:\/\/credittriangle.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/credittriangle.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/credittriangle.com\/blog\/wp-content\/uploads\/2019\/12\/logo_head.png","contentUrl":"https:\/\/credittriangle.com\/blog\/wp-content\/uploads\/2019\/12\/logo_head.png","width":371,"height":69,"caption":"Credit Triangle"},"image":{"@id":"https:\/\/credittriangle.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/CreditTriangle\/","https:\/\/x.com\/credittriangle"]},{"@type":"Person","@id":"https:\/\/credittriangle.com\/blog\/#\/schema\/person\/ce6e7d536b5d700c9eb59c312f04cfa0","name":"Credit Triangle","sameAs":["https:\/\/credittriangle.com","https:\/\/www.facebook.com\/CreditTriangle","https:\/\/instagram.com\/credit_triangle","https:\/\/www.linkedin.com\/company\/credit-triangle\/","https:\/\/x.com\/credittriangle"],"url":"https:\/\/credittriangle.com\/blog\/author\/credit-triangle\/"}]}},"_links":{"self":[{"href":"https:\/\/credittriangle.com\/blog\/wp-json\/wp\/v2\/posts\/820"}],"collection":[{"href":"https:\/\/credittriangle.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/credittriangle.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/credittriangle.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/credittriangle.com\/blog\/wp-json\/wp\/v2\/comments?post=820"}],"version-history":[{"count":4,"href":"https:\/\/credittriangle.com\/blog\/wp-json\/wp\/v2\/posts\/820\/revisions"}],"predecessor-version":[{"id":985,"href":"https:\/\/credittriangle.com\/blog\/wp-json\/wp\/v2\/posts\/820\/revisions\/985"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/credittriangle.com\/blog\/wp-json\/wp\/v2\/media\/797"}],"wp:attachment":[{"href":"https:\/\/credittriangle.com\/blog\/wp-json\/wp\/v2\/media?parent=820"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/credittriangle.com\/blog\/wp-json\/wp\/v2\/categories?post=820"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/credittriangle.com\/blog\/wp-json\/wp\/v2\/tags?post=820"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}