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Common credit myths debunked
Credit myths can mislead consumers, leading to poor financial decisions. This article debunks common misconceptions about credit scores, reports, and management. Understanding the truth helps you navigate credit confidently.
How credit reports work
A credit report is a detailed record of your credit history, serving as a critical tool for lenders, landlords, and others to assess your financial reliability. It influences your ability to secure loans, credit cards, housing, and even employment. Understanding how credit reports work is essential for managing your financial health and ensuring accuracy in the information that shapes your creditworthiness. This article explains the structure, purpose, and management of credit reports, along with practical steps to leverage them effectively in 2025.
