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3 Noteworthy Credit Score Myths, With Bob Jain

By Paul Martinez

Most people know that keeping a good credit score is vital to their financial standing. After all, this can make all of the difference being approved or denied a loan in the future. Bob Jain and other authorities on finance can agree, which is why it's important to make note of the biggest myths regarding credit scores. Here are just 3 to make note of, as well as information that can help you debunk them in the future.

"Credit scores can vary based on personal information." It might be difficult to believe, but many people assume that personal information can increase or decrease credit scores across the board. In actuality, race, gender, and other such aspects don't have an impact at all. What this means - and companies like Bob Jain Credit will agree - is that everyone has a fair chance. What matters, more than anything else, is your level of care when utilizing credit.

"A partner's credit score will be passed along to you." While it's fortunate that your partner has a good credit score, this doesn't necessarily mean that the benefits will be passed along to you. As a matter of fact, your partner's score only applies to them. This goes for any endeavor, whether it's the investment toward a new home, the purchasing of a new car, or what have you. This is yet another myth that Bob Jain CS can debunk.

"You can close your account without penalty." If you think that there's no penalty in closing an account you might not use as much, you'd be mistaken. Keep in mind that credit scores have been known to decrease as a result of accounts being closed. This is especially true when you throw in the possibility of higher balances on cards. By being mindful of the accounts that should stay open, your credit score will be better maintained.

Hopefully this information has given you a better understanding of credit scores in general. With every topic, there is a collection of myths that people still believe. The same can be said about credit scores, so it's important to understand how to maintain and even improve yours. The more that you're willing to learn, in this respect, the easier it'll be for you to keep a substantial score that you can be proud of.

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