{"id":101,"date":"2022-04-19T20:10:49","date_gmt":"2022-04-19T20:10:49","guid":{"rendered":"https:\/\/mhc.fbcmortgagellc.com\/2022\/10\/19\/nine-credit-score-myths\/"},"modified":"2025-10-20T13:54:05","modified_gmt":"2025-10-20T13:54:05","slug":"nine-credit-score-myths","status":"publish","type":"post","link":"https:\/\/northwayhomeloans.com\/nine-credit-score-myths\/","title":{"rendered":"Nine Credit Score Myths"},"content":{"rendered":"\t\t
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Credit scores play an important role in every large financial decision or investment, like buying a home. It helps determine whether you qualify for a mortgage and what interest rate you receive. In many ways, it\u2019s the gatekeeper between you and your financial goals. That\u2019s why it\u2019s important to know what\u2019s true and what\u2019s not true when looking at your credit score.<\/p>

Don’t let incorrect information about credit scores deter you from your goal of homeownership. Here are nine myths and facts that you should know before applying for your new home.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Make your homeownership dreams a reality.<\/h4>

Take the first step and apply online with NW Home Loans.<\/p>\t <\/div>\n\t

\n\t GET STARTED<\/a>\t <\/div>\n\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Make your homeownership dreams a reality.<\/h4>\t <\/div>\n\t
\n\t GET STARTED<\/a>\t <\/div>\n\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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MYTH\n#1\n<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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MYTH – Closing out old, active accounts will help your credit score.<\/strong><\/p>

FACT \u2013 Your credit score is partially based on your length of credit history and your utilization rate. By closing old accounts, you can make your credit history appear shorter and as a result, actually decrease your score. It can also reduce the total amount of available credit, which can also affect your score.<\/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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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MYTH\n#2\n<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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MYTH –\u00a0<\/strong>Opening (but not using accounts) will help your score.<\/strong><\/p>

FACT \u2013 Your credit score is affected by how well you manage the credit you do have over a period of time, not by how many credit cards you have with available balances.<\/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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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MYTH\n#3\n<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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MYTH –\u00a0You should avoid using your credit cards at all.<\/strong><\/p>

FACT \u2013 If you\u2019re not using your credit, you\u2019re not building credit history. Use your credit cards from time to time and promptly pay off the balance.<\/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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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MYTH\n#4\n<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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MYTH –\u00a0Dispute letters can clean up your bad credit.<\/strong><\/p>

FACT \u2013 Dispute letters may force the removal of negative items temporarily, but once the lender can prove the record’s accuracy, it will reappear on your credit.<\/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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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MYTH\n#5\n<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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MYTH –\u00a0Paying off old debts and judgments will help your score.<\/strong><\/p>

FACT \u2013 Don\u2019t expect a \u201cnegative\u201d to disappear by paying it off. Negative records remain on your credit for 7 to 10 years, regardless of any remedies you made.<\/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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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MYTH\n#6\n<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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MYTH –\u00a0Credit inquiries hurt your score.<\/strong><\/p>

FACT \u2013 Inquiries alone do not make a big enough change in your credit score to make a difference when it comes to lenders.<\/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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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MYTH\n#7\n<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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MYTH –\u00a0Using a credit counseling services lowers your score.<\/strong><\/p>

FACT \u2013 Credit counseling services no longer figure into the FICO scoring system. So although your report might indicate you are receiving credit counseling, using those services won\u2019t lower your score.<\/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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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MYTH\n#8\n<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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MYTH –\u00a0There\u2019s a set formula for obtaining great credit.<\/strong><\/p>

FACT \u2013 Credit is a very individual thing. Credit scores look at everything and take it all into account.<\/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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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MYTH\n#9\n<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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MYTH –\u00a0You can get a perfect credit score.<\/strong><\/p>

FACT \u2013 Getting a perfect score of 850 is nearly impossible. Your credit score is a reflection of your credit risk, regardless of your credit history. There is always a risk.<\/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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Understanding what affects your credit score can prepare you for buying a home and possibly get you a better interest rate. Learn more at our Mortgage Resources<\/a> page or get in touch with one of our mortgage professionals today!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Ready to learn more?<\/h4>

Connect with one of our loan officers in your area today.<\/p>\t <\/div>\n\t

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Ready to learn more?<\/h4>\t <\/div>\n\t
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Why Choose NW Home Loans?<\/strong><\/p>\n

Our mission is to empower every homeowner to confidently build their future. In partnership with Northway Homes, we deliver accessible, transparent mortgage solutions rooted in integrity and quality, making the dream of a new home not just possible, but practical. We strive to guide our clients at every step with clarity, service, and a commitment to value<\/p>\n

All information presented is for educational purposes only and not intended as financial advice. NW Home Loans, LLC NMLS#2749372. Equal housing lender \u00a92025.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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our blog<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Learn More About Mortgages<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\n\t\t\t\tOpt Out of Firm Offers of Credit or Insurance\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Many buyers find that applying for a mortgage can trigger an influx of marketing from other companies trying to win their business. Fortunately, there are ways to prevent this flood of offers from overwhelming you during an already stressful time. <\/p>\n\t\t<\/div>\n\t\t\n\t\t\n\t\t\tRead More \u00bb\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tMortgage Numbers That Matter\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Whether you are a first-time home buyer or an experienced one, there are three numbers that will help determine the type of mortgage you qualify for. Let\u2019s learn more about the mortgage numbers that matter.<\/p>\n\t\t<\/div>\n\t\t\n\t\t\n\t\t\tRead More \u00bb\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t

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\n\t\t\t\n\t\t\t\tNavigating Your Loan Program Options\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Choosing the right loan program depends on a variety of factors like certain loan program features, the loan term and your overall financial goals.<\/p>\n\t\t<\/div>\n\t\t\n\t\t\n\t\t\tRead More \u00bb\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

Credit scores play an important role when it comes to buying a home. That\u2019s why it\u2019s important to know what\u2019s true and what\u2019s not true when it comes to your credit score.<\/p>\n","protected":false},"author":3,"featured_media":104,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[13],"tags":[],"class_list":["post-101","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-homebuying","has-thumb"],"acf":[],"_links":{"self":[{"href":"https:\/\/northwayhomeloans.com\/wp-json\/wp\/v2\/posts\/101","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/northwayhomeloans.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/northwayhomeloans.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/northwayhomeloans.com\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/northwayhomeloans.com\/wp-json\/wp\/v2\/comments?post=101"}],"version-history":[{"count":31,"href":"https:\/\/northwayhomeloans.com\/wp-json\/wp\/v2\/posts\/101\/revisions"}],"predecessor-version":[{"id":2016,"href":"https:\/\/northwayhomeloans.com\/wp-json\/wp\/v2\/posts\/101\/revisions\/2016"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/northwayhomeloans.com\/wp-json\/wp\/v2\/media\/104"}],"wp:attachment":[{"href":"https:\/\/northwayhomeloans.com\/wp-json\/wp\/v2\/media?parent=101"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/northwayhomeloans.com\/wp-json\/wp\/v2\/categories?post=101"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/northwayhomeloans.com\/wp-json\/wp\/v2\/tags?post=101"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}