We all have that one friend, you know the one I’m talking about?
The friend who tells you all these outlandish “facts” about your credit score. You listen to these myths and you think it the back of your head, this can’t be true. But your friend is convincing and now you are confused as to what is a myth and what is a fact.
‘ve learn that a lot of people think their credit report is simply if they pay their bills on time. While that is the largest portion of your credit report. Your ability to pay on time only makes up 35% of your credit report.