Think you know how credit works? Think again.

Some of the most common credit advice being shared online is either incomplete, outdated, or completely wrong—and believing these myths could be costing you thousands of dollars in higher interest rates, loan denials, and missed financial opportunities.

In this episode of The Real Credit Talk Show, we're exposing the biggest credit myths that continue to confuse consumers every day. Learn what actually impacts your credit, what lenders really look at, and how to avoid the costly mistakes that keep people financially stuck.

In this episode, we discuss:

• Why carrying a balance does not help your credit score.
• The truth about checking your own credit.
• Whether paying off collections automatically improves your credit.
• The real impact of closing old credit cards.
• The difference between myths and actual credit scoring factors.
• Why "credit repair hacks" found on social media often backfire.
• What lenders really pay attention to before approving your application.
• Practical strategies to build stronger credit the right way.

Whether you're rebuilding your credit, preparing to buy a home, finance a vehicle, or simply want to understand how the credit system really works, this episode separates fact from fiction.

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