{"id":1783,"date":"2019-05-04T08:00:00","date_gmt":"2019-05-04T08:00:00","guid":{"rendered":"https:\/\/beyondfinance.wpengine.com\/?p=1783"},"modified":"2021-05-07T21:43:37","modified_gmt":"2021-05-07T21:43:37","slug":"9-common-myths-about-how-your-credit-score-is-calculated","status":"publish","type":"post","link":"https:\/\/www.beyondfinance.com\/blog\/9-common-myths-about-how-your-credit-score-is-calculated\/","title":{"rendered":"9 Common Myths About How Your Credit Score is Calculated"},"content":{"rendered":"\n

Under most scoring models, credit scores (also known as a FICO score) range from 300 to 850. The higher the number, the better a person\u2019s credit \u2013 it implies that the person is a lower risk to a lender.<\/p>\n\n\n\n

The score is calculated using a credit report that gathers data on your current and past debt and whether you pay the debts on time.<\/p>\n\n\n\n

Besides determining whether or not you are approved for a loan, your credit score can determine the interest rate you will pay.<\/p>\n\n\n\n

Following are many myths that people tend to believe about their scores.<\/p>\n\n\n\n

Myth 1: The Credit Bureaus Decide Whether I Get a Loan<\/strong><\/p>\n\n\n\n

The three credit bureaus, Experian, Equifax, and Transunion generate credit reports – but they don\u2019t evaluate your credit score or advise lenders whether to approve or deny a loan. The bureaus simply layout the facts about your credit history – like whether you pay your debts on time. Your actual credit \u201cscore\u201d or \u201crating\u201d is calculated by companies like FICO and VantageScore Solutions, however, these credit bureaus do evaluate your credit risk level based on your credit report.<\/p>\n\n\n\n

Myth 2: There’s Only One Type of Credit Score<\/strong><\/p>\n\n\n\n

There are actually many different scores. For example, FICO has several models with varying score ranges that a lender can use. Thus, the FICO score attained by one lender may not be the same score received by another. If a lender declines your application or charges you a higher interest rate because of your score, determine what in your credit history may be negatively impacting your score and work towards resolving those issues. You can request a free copy of your credit report every 12 months from each of the three credit bureaus.<\/p>\n\n\n\n

Myth 3: If I Close a Credit Card, its Age is No Longer Factored into My Credit Score<\/strong><\/p>\n\n\n\n

If you\u2019ve got a card that has always been in good standing on your credit report, it might be best to leave it open. As long as the card remains on a credit report, the credit scoring system will continue to see it and still consider the card in the scoring metric\u2014regardless of its age or standing.<\/p>\n\n\n\n

Myth 4: A Credit Card Stops Aging the Day I Close it<\/strong><\/p>\n\n\n\n

Even after an account is closed, a credit card will continue to age and will continue to affect your credit score – whether your account was in good standing or not. However, a closed account will not remain on your credit report forever. The credit bureaus will delete them after 10 years if the account was in good standing, and after 7 years if the account had a damaging history.<\/p>\n\n\n\n

Myth 5: I Need to Carry Debt to Build Credit<\/strong><\/p>\n\n\n\n

Not necessarily. It\u2019s all about balance. Making minimum payments and maxing out your credit cards is detrimental to your credit score. It\u2019s also a fast-track to needing credit card help. You\u2019re better off having credit cards that are no more than 30% full to show that you can have credit without using it.<\/p>\n\n\n\n

Myth 6: Medical Debt is Treated Differently on Credit Reports<\/strong><\/p>\n\n\n\n

Typically, medical bills aren\u2019t reported to a bureau unless the bills are sent to a collection agency. But if the medical bills are reported, credit bureaus treat them the same as other debts. The more recent they are, the more they can affect your credit score.<\/p>\n\n\n\n

Myth 7: A Credit Repair Company can only Remove Inaccuracies on My Credit Report<\/strong><\/p>\n\n\n\n

Credit Repair Companies can help provide advice and assistance in reporting inaccurate information on a person’s credit report. If information on a credit report is negative, but accurate, it’ll take at least 7 years to be removed, no matter how good the Credit Repair company is<\/p>\n\n\n\n

Myth 8: My (Credit) Utilization Ratio Doesn’t Matter<\/strong><\/p>\n\n\n\n

Simply put, your credit utilization is the percentage of your available credit that you\u2019ve actually borrowed. (For instance, if your credit card has a limit of $1,000 and you have $250 charged on it, your utilization ratio is $250 out of $1,000, or 25%.)<\/p>\n\n\n\n

This ration is a very important piece of the credit scoring system and can seriously affect your credit score in a short period of time – for better or worse. The credit score tracking website CreditKarma.com<\/a> recommends that consumers shouldn’t exceed utilizing 30% of their available credit. If all your cards are maxed out, you should look into how to pay off credit cards immediately.<\/p>\n\n\n\n

Myth 9: I Should Avoid Getting Store Credit Cards Because They’ll Hurt My Score<\/strong><\/p>\n\n\n\n

As long as you use a store credit card responsibility, it can help raise your credit limit, improve your utilization rate and boost your overall credit score. In fact, it may be a great way to get a credit card for people who might not qualify for other types of cards.<\/p>\n\n\n\n

Visit myFICO.com<\/a> to learn more about how to track, monitor, and manage your credit scores.<\/p>\n","protected":false},"excerpt":{"rendered":"

Under most scoring models, credit scores (also known as a FICO score) range from 300 to 850. The higher the number, the better a person\u2019s credit \u2013 it implies that the person is a lower risk to a lender. The score is calculated using a credit report that gathers data…<\/p>\n","protected":false},"author":4,"featured_media":1784,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1783","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"\n9 Common Myths About How Your Credit Score is Calculated - Beyond Finance<\/title>\n<meta name=\"description\" content=\"What goes into my FICO score, how do I change it, and what really brings it down? 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