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Financial expert busts common credit myths

Certain longheld beliefs about credit have led to financial disaster for some consumers.

Before coming to America, many immigrants may have had certain assumptions about what life was like in the U.S. These beliefs may have been passed down from family members or they may have been stereotypes that they heard while growing up.

While some of these generalizations may have been confirmed, it's likely that the majority of them proved to be inaccurate, as times change and life often proves to be different from what was forecast.

There are some truths that hold up no matter what and remain constant in all walks of life. And as financial expert Jeanne Kelly writes for the Huffington Post, consumers will find this when they're dealing with money matters and credit. Even here, though, certain myths have held up over the years that need to be set straight.

For example, it's often said that in order for people to improve their credit scores, they need to pay off all of their expenses before a given bill's due date. While this is a smart thing to do, it's not the be-all, end-all in determining what a credit score will be. The average consumer has a variety of expenses they need to take care of – whether it's paying off a bill or making an international wire transfer to family back home – all of which, sometimes, can't be paid off in time.

"Life is busy and there are always plenty of things we need to spend our credit to purchase," said Kelly. "So if you can't use and pay off your credit card each month then the next best thing is to use each of your credit cards and pay them down to 20 percent of the high credit limit."

In other words, some people think that if they can't pay off the total amount, there's no sense in paying some if it. At the very least, strive to pay the bare minimum before the bill's due date.

Credit score involves more than loan activity
Another half-truth that's stood the test of time is that a person's credit score is a three-digit number entirely defined by how well a consumer has handled their credit cards, loans and mortgages. While this does, indeed, represent a good portion of a credit score, it's not the only aspects that define credit. Kelly notes that other financial purchases are considered as well, such as when an electric or water bill is paid. This makes utility bills an important expense to take care of in a prompt fashion.

The final myth that often keeps people from attaining the best credit score possible is the notion that if they have fewer credit cards, the better they'll appear in the eyes of creditors. Kelly notes that creditors like to see that people are capable of handling multiple lines of credit over an extended period of time, as good credit is something that's earned with experience and a history of making smart money decisions.

In other words, it's far better to have a history of credit card usage than to have never used them, as creditors will have nothing to base their decisions on when considering a loan or mortgage application.

It's important to point out that an individual's credit score can occasionally be hurt through no fault of their own. The Federal Trade Commission recently reported that approximately 20 percent of Americans have an error on their credit report, or a mark that suggests they haven't paid off an expense when they actually have.

This makes it crucial to review one's credit report on occasion, which can be done by requesting a copy from the U.S.' credit reporting agencies TransUnion, Experian and Equifax.

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I’m undoubtedly enjoying your blog and look forward to new posts.|Good day! Do you know if they make any plugins to protect against hackers? I’m kinda paranoid about losing everything I’ve worked hard on. Any suggestions?|Hey! Do you know if they make any plugins to assist with SEO? I’m trying to get my blog to rank for some targeted keywords but I’m not seeing very good gains. If you know of any please share. Appreciate it!|I know this if off topic but I’m looking into starting my own weblog and was wondering what all is needed to get setup? I’m assuming having a blog like yours would cost a pretty penny? I’m not very web smart so I’m not 100% certain. Any recommendations or advice would be greatly appreciated. Many thanks|Hmm is anyone else encountering problems with the images on this blog loading? I’m trying to find out if its a problem on my end or if it’s the blog. Any suggestions would be greatly appreciated.|I’m not sure why but this website is loading extremely slow for me. Is anyone else having this issue or is it a problem on my end? I’ll check back later on and see if the problem still exists.|Hi there! I’m at work browsing your blog from my new iphone! Just wanted to say I love reading through your blog and look forward to all your posts! Carry on the superb work!|Wow that was odd. I just wrote an very long comment but after I clicked submit my comment didn’t appear. Grrrr… well I’m not writing all that over again. Anyways, just wanted to say wonderful blog!|Heya great website! Does running a blog like this require a lot of work? I have no understanding of coding but I was hoping to start my own blog soon. Anyways, if you have any recommendations or techniques for new blog owners please share. I understand this is off subject nevertheless I simply had to ask. Cheers!|Hey there! I realize this is somewhat off-topic however I had to ask. Does building a well-established blog such as yours require a large amount of work? I am brand new to operating a blog however I do write in my diary everyday. I’d like to start a blog so I can share my own experience and views online. Please let me know if you have any kind of ideas or tips for brand new aspiring bloggers. Thankyou!|Hey I know this is off topic but I was wondering if you knew of any widgets I could add to my blog that automatically tweet my newest twitter updates. I’ve been looking for a plug-in like this for quite some time and was hoping maybe you would have some experience with something like this. Please let me know if you run into anything. I truly enjoy reading your blog and I look forward to your new updates.|I don’t know if it’s just me or if perhaps everybody else encountering issues with your blog. It seems like some of the written text in your posts are running off the screen. Can somebody else please provide feedback and let me know if this is happening to them as well? This may be a issue with my browser because I’ve had this happen previously. Thanks|First of all I want to say terrific blog! I had a quick question that I’d like to ask if you do not mind. I was interested to find out how you center yourself and clear your thoughts before writing. I’ve had trouble clearing my thoughts in getting my thoughts out. I do take pleasure in writing however it just seems like the first 10 to 15 minutes are usually wasted simply just trying to figure out how to begin. Any recommendations or hints? Appreciate it!

  64. Sep 30 2013

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  69. Sep 30 2013

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You have done a wonderful job!|Hey! I know this is kinda off topic but I was wondering which blog platform are you using for this site? I’m getting fed up of WordPress because I’ve had issues with hackers and I’m looking at options for another platform. I would be great if you could point me in the direction of a good platform.|Hello! This post couldn’t be written any better! Reading this post reminds me of my previous room mate! He always kept chatting about this. I will forward this article to him. Fairly certain he will have a good read. Thanks for sharing!|Write more, thats all I have to say. Literally, it seems as though you relied on the video to make your point. You definitely know what youre talking about, why throw away your intelligence on just posting videos to your site when you could be giving us something informative to read?|Today, I went to the beach with my kids. I found a sea shell and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She placed the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is totally off topic but I had to tell someone!|Today, while I was at work, my sister stole my apple ipad and tested to see if it can survive a twenty five foot drop, just so she can be a youtube sensation. My iPad is now destroyed and she has 83 views. I know this is completely off topic but I had to share it with someone!|I was wondering if you ever considered changing the layout of your website? Its very well written; I love what youve got to say. But maybe you could a little more in the way of content so people could connect with it better. Youve got an awful lot of text for only having one or 2 images. Maybe you could space it out better?|Hello, i read your blog occasionally and i own a similar one and i was just curious if you get a lot of spam remarks? If so how do you reduce it, any plugin or anything you can recommend? I get so much lately it’s driving me crazy so any assistance is very much appreciated.|This design is spectacular! You most certainly know how to keep a reader amused. Between your wit and your videos, I was almost moved to start my own blog (well, almost…HaHa!) Excellent job. I really enjoyed what you had to say, and more than that, how you presented it. Too cool!|I’m truly enjoying the design and layout of your blog. It’s a very easy on the eyes which makes it much more enjoyable for me to come here and visit more often. Did you hire out a designer to create your theme? Fantastic work!|Hey! I could have sworn I’ve been to this site before but after checking through some of the post I realized it’s new to me. Anyhow, I’m definitely delighted I found it and I’ll be bookmarking and checking back often!|Hello! Would you mind if I share your blog with my zynga group? There’s a lot of folks that I think would really enjoy your content. Please let me know. Thanks|Hi, I think your website might be having browser compatibility issues. When I look at your blog site in Firefox, it looks fine but when opening in Internet Explorer, it has some overlapping. I just wanted to give you a quick heads up! Other then that, very good blog!|Wonderful blog! I found it while searching on Yahoo News. Do you have any suggestions on how to get listed in Yahoo News? I’ve been trying for a while but I never seem to get there! Cheers|Howdy! This is kind of off topic but I need some advice from an established blog. Is it tough to set up your own blog? I’m not very techincal but I can figure things out pretty fast. I’m thinking about setting up my own but I’m not sure where to start. Do you have any points or suggestions? Appreciate it|Hi there! Quick question that’s totally off topic. Do you know how to make your site mobile friendly? My website looks weird when browsing from my iphone. I’m trying to find a theme or plugin that might be able to fix this problem. If you have any recommendations, please share. Thank you!|I’m not that much of a online reader to be honest but your blogs really nice, keep it up! I’ll go ahead and bookmark your website to come back in the future. Many thanks|I really like your blog.. very nice colors & theme. Did you make this website yourself or did you hire someone to do it for you? Plz answer back as I’m looking to construct my own blog and would like to find out where u got this from. cheers|Amazing! This blog looks exactly like my old one! It’s on a totally different topic but it has pretty much the same page layout and design. Wonderful choice of colors!|Hi just wanted to give you a brief heads up and let you know a few of the pictures aren’t loading properly. I’m not sure why but I think its a linking issue. I’ve tried it in two different internet browsers and both show the same outcome.|Hey are using WordPress for your site platform? I’m new to the blog world but I’m trying to get started and set up my own. Do you require any html coding knowledge to make your own blog? Any help would be greatly appreciated!|Hey there this is kinda of off topic but I was wanting to know if blogs use WYSIWYG editors or if you have to manually code with HTML. I’m starting a blog soon but have no coding knowledge so I wanted to get guidance from someone with experience. Any help would be greatly appreciated!|Hi there! I just wanted to ask if you ever have any trouble with hackers? My last blog (wordpress) was hacked and I ended up losing a few months of hard work due to no backup. Do you have any solutions to protect against hackers?|Howdy! Do you use Twitter? I’d like to follow you if that would be ok. I’m absolutely enjoying your blog and look forward to new posts.|Good day! Do you know if they make any plugins to protect against hackers? I’m kinda paranoid about losing everything I’ve worked hard on. Any tips?|Hi there! Do you know if they make any plugins to help with SEO? I’m trying to get my blog to rank for some targeted keywords but I’m not seeing very good success. If you know of any please share. Cheers!|I know this if off topic but I’m looking into starting my own weblog and was curious what all is needed to get setup? I’m assuming having a blog like yours would cost a pretty penny? I’m not very web smart so I’m not 100% positive. Any recommendations or advice would be greatly appreciated. Kudos|Hmm is anyone else encountering problems with the pictures on this blog loading? I’m trying to determine if its a problem on my end or if it’s the blog. Any responses would be greatly appreciated.|I’m not sure why but this site is loading incredibly slow for me. Is anyone else having this issue or is it a problem on my end? I’ll check back later and see if the problem still exists.|Hi! I’m at work surfing around your blog from my new iphone! Just wanted to say I love reading your blog and look forward to all your posts! Keep up the fantastic work!|Wow that was strange. I just wrote an really long comment but after I clicked submit my comment didn’t show up. Grrrr… well I’m not writing all that over again. Anyways, just wanted to say wonderful blog!|Hi great website! Does running a blog similar to this take a great deal of work? I have no expertise in programming but I had been hoping to start my own blog soon. Anyway, if you have any ideas or tips for new blog owners please share. I know this is off topic but I just needed to ask. Thanks a lot!|Hey there! I know this is sort of off-topic but I had to ask. Does running a well-established blog such as yours take a massive amount work? I am completely new to blogging however I do write in my diary every day. I’d like to start a blog so I can easily share my own experience and views online. Please let me know if you have any kind of recommendations or tips for brand new aspiring bloggers. Appreciate it!|Hey I know this is off topic but I was wondering if you knew of any widgets I could add to my blog that automatically tweet my newest twitter updates. I’ve been looking for a plug-in like this for quite some time and was hoping maybe you would have some experience with something like this. Please let me know if you run into anything. I truly enjoy reading your blog and I look forward to your new updates.|I don’t know whether it’s just me or if everybody else encountering issues with your site. It looks like some of the text in your content are running off the screen. Can somebody else please comment and let me know if this is happening to them as well? This might be a problem with my web browser because I’ve had this happen before. Thank you|First off I want to say fantastic blog! I had a quick question which I’d like to ask if you do not mind. I was curious to know how you center yourself and clear your head before writing. I’ve had trouble clearing my thoughts in getting my ideas out there. I truly do take pleasure in writing however it just seems like the first 10 to 15 minutes are lost just trying to figure out how to begin. Any suggestions or tips? Kudos!

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  77. Oct 2 2013

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  80. Oct 2 2013

    Right now it looks like Drupal is the best blogging platform available right now. (from what I’ve read) Is that what you are using on your blog?|Great post but I was wondering if you could write a litte more on this topic? I’d be very thankful if you could elaborate a little bit more. Kudos!|Howdy! I know this is somewhat off topic but I was wondering if you knew where I could get a captcha plugin for my comment form? I’m using the same blog platform as yours and I’m having difficulty finding one? Thanks a lot!|When I originally commented I clicked the “Notify me when new comments are added” checkbox and now each time a comment is added I get four e-mails with the same comment. Is there any way you can remove people from that service? Bless you!|Hi! This is my first visit to your blog! We are a group of volunteers and starting a new initiative in a community in the same niche. Your blog provided us valuable information to work on. You have done a wonderful job!|Hello there! I know this is somewhat off topic but I was wondering which blog platform are you using for this website? I’m getting tired of WordPress because I’ve had issues with hackers and I’m looking at alternatives for another platform. I would be awesome if you could point me in the direction of a good platform.|Hello! This post couldn’t be written any better! Reading this post reminds me of my old room mate! He always kept talking about this. I will forward this post to him. Fairly certain he will have a good read. Many thanks for sharing!|Write more, thats all I have to say. Literally, it seems as though you relied on the video to make your point. You clearly know what youre talking about, why waste your intelligence on just posting videos to your blog when you could be giving us something enlightening to read?|Today, I went to the beach with my kids. I found a sea shell and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She placed the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is entirely off topic but I had to tell someone!|Yesterday, while I was at work, my cousin stole my apple ipad and tested to see if it can survive a 30 foot drop, just so she can be a youtube sensation. My iPad is now destroyed and she has 83 views. I know this is entirely off topic but I had to share it with someone!|I was wondering if you ever thought of changing the structure of your website? Its very well written; I love what youve got to say. But maybe you could a little more in the way of content so people could connect with it better. Youve got an awful lot of text for only having 1 or 2 pictures. Maybe you could space it out better?|Howdy, i read your blog from time to time and i own a similar one and i was just curious if you get a lot of spam comments? If so how do you reduce it, any plugin or anything you can recommend? I get so much lately it’s driving me mad so any help is very much appreciated.|This design is spectacular! You most certainly know how to keep a reader entertained. Between your wit and your videos, I was almost moved to start my own blog (well, almost…HaHa!) Excellent job. I really loved what you had to say, and more than that, how you presented it. Too cool!|I’m really enjoying the design and layout of your website. It’s a very easy on the eyes which makes it much more enjoyable for me to come here and visit more often. Did you hire out a developer to create your theme? Superb work!|Hello! I could have sworn I’ve been to this blog before but after reading through some of the post I realized it’s new to me. Nonetheless, I’m definitely glad I found it and I’ll be bookmarking and checking back often!|Hi there! Would you mind if I share your blog with my facebook group? There’s a lot of people that I think would really appreciate your content. Please let me know. Many thanks|Hello, I think your site might be having browser compatibility issues. When I look at your blog site in Firefox, it looks fine but when opening in Internet Explorer, it has some overlapping. I just wanted to give you a quick heads up! Other then that, great blog!|Wonderful blog! I found it while browsing on Yahoo News. Do you have any suggestions on how to get listed in Yahoo News? I’ve been trying for a while but I never seem to get there! Many thanks|Howdy! This is kind of off topic but I need some advice from an established blog. Is it very difficult to set up your own blog? I’m not very techincal but I can figure things out pretty fast. I’m thinking about setting up my own but I’m not sure where to begin. Do you have any points or suggestions? Cheers|Hey! Quick question that’s totally off topic. Do you know how to make your site mobile friendly? My weblog looks weird when viewing from my iphone. I’m trying to find a template or plugin that might be able to resolve this issue. If you have any suggestions, please share. Thanks!|I’m not that much of a online reader to be honest but your blogs really nice, keep it up! I’ll go ahead and bookmark your website to come back later. Many thanks|I really like your blog.. very nice colors & theme. Did you design this website yourself or did you hire someone to do it for you? Plz answer back as I’m looking to construct my own blog and would like to find out where u got this from. thank you|Wow! This blog looks just like my old one! It’s on a entirely different topic but it has pretty much the same layout and design. Great choice of colors!|Hey just wanted to give you a quick heads up and let you know a few of the pictures aren’t loading correctly. I’m not sure why but I think its a linking issue. I’ve tried it in two different internet browsers and both show the same results.|Heya are using WordPress for your site platform? I’m new to the blog world but I’m trying to get started and set up my own. Do you require any html coding expertise to make your own blog? Any help would be greatly appreciated!|Heya this is kind of of off topic but I was wondering if blogs use WYSIWYG editors or if you have to manually code with HTML. I’m starting a blog soon but have no coding skills so I wanted to get guidance from someone with experience. Any help would be greatly appreciated!|Hi there! I just wanted to ask if you ever have any issues with hackers? My last blog (wordpress) was hacked and I ended up losing several weeks of hard work due to no data backup. Do you have any solutions to prevent hackers?|Hello! Do you use Twitter? I’d like to follow you if that would be ok. I’m definitely enjoying your blog and look forward to new posts.|Howdy! Do you know if they make any plugins to safeguard against hackers? I’m kinda paranoid about losing everything I’ve worked hard on. Any tips?|Good day! Do you know if they make any plugins to assist with Search Engine Optimization? I’m trying to get my blog to rank for some targeted keywords but I’m not seeing very good success. If you know of any please share. Many thanks!|I know this if off topic but I’m looking into starting my own blog and was wondering what all is needed to get set up? I’m assuming having a blog like yours would cost a pretty penny? I’m not very internet savvy so I’m not 100% sure. Any tips or advice would be greatly appreciated. Cheers|Hmm is anyone else having problems with the images on this blog loading? I’m trying to find out if its a problem on my end or if it’s the blog. Any responses would be greatly appreciated.|I’m not sure why but this blog is loading incredibly slow for me. Is anyone else having this issue or is it a issue on my end? I’ll check back later on and see if the problem still exists.|Hey there! I’m at work browsing your blog from my new iphone! Just wanted to say I love reading your blog and look forward to all your posts! Keep up the outstanding work!|Wow that was strange. I just wrote an incredibly long comment but after I clicked submit my comment didn’t show up. Grrrr… well I’m not writing all that over again. Anyhow, just wanted to say excellent blog!|Hey there excellent blog! Does running a blog similar to this take a large amount of work? I’ve absolutely no expertise in computer programming but I was hoping to start my own blog soon. Anyhow, should you have any recommendations or techniques for new blog owners please share. I know this is off topic however I simply wanted to ask. Thanks!|Howdy! I understand this is somewhat off-topic but I needed to ask. Does managing a well-established blog such as yours require a lot of work? I am completely new to blogging but I do write in my journal daily. I’d like to start a blog so I can easily share my experience and views online. Please let me know if you have any kind of suggestions or tips for new aspiring bloggers. Appreciate it!|Hey I know this is off topic but I was wondering if you knew of any widgets I could add to my blog that automatically tweet my newest twitter updates. I’ve been looking for a plug-in like this for quite some time and was hoping maybe you would have some experience with something like this. Please let me know if you run into anything. I truly enjoy reading your blog and I look forward to your new updates.|I don’t know whether it’s just me or if perhaps everybody else encountering issues with your website. It seems like some of the text in your posts are running off the screen. Can somebody else please comment and let me know if this is happening to them too? This might be a problem with my web browser because I’ve had this happen previously. Thanks|First of all I want to say terrific blog! I had a quick question that I’d like to ask if you do not mind. I was curious to know how you center yourself and clear your mind prior to writing. I have had a hard time clearing my thoughts in getting my ideas out. I truly do take pleasure in writing but it just seems like the first 10 to 15 minutes are generally lost just trying to figure out how to begin. Any recommendations or hints? Appreciate it!

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  84. Oct 2 2013

    Right now it looks like Drupal is the top blogging platform available right now. (from what I’ve read) Is that what you’re using on your blog?|Outstanding post however I was wanting to know if you could write a litte more on this subject? I’d be very thankful if you could elaborate a little bit further. Thank you!|Hey! I know this is kinda off topic but I was wondering if you knew where I could locate a captcha plugin for my comment form? I’m using the same blog platform as yours and I’m having difficulty finding one? Thanks a lot!|When I originally commented I clicked the “Notify me when new comments are added” checkbox and now each time a comment is added I get four emails with the same comment. Is there any way you can remove people from that service? Bless you!|Hey there! This is my first visit to your blog! We are a group of volunteers and starting a new project in a community in the same niche. Your blog provided us valuable information to work on. You have done a outstanding job!|Hello! I know this is kinda off topic but I was wondering which blog platform are you using for this website? I’m getting fed up of WordPress because I’ve had issues with hackers and I’m looking at options for another platform. I would be great if you could point me in the direction of a good platform.|Howdy! This post could not be written any better! Reading through this post reminds me of my good old room mate! He always kept chatting about this. I will forward this article to him. Fairly certain he will have a good read. Many thanks for sharing!|Write more, thats all I have to say. Literally, it seems as though you relied on the video to make your point. You obviously know what youre talking about, why throw away your intelligence on just posting videos to your weblog when you could be giving us something enlightening to read?|Today, I went to the beach with my kids. I found a sea shell and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She placed the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is entirely off topic but I had to tell someone!|Yesterday, while I was at work, my cousin stole my iphone and tested to see if it can survive a thirty foot drop, just so she can be a youtube sensation. My apple ipad is now destroyed and she has 83 views. I know this is entirely off topic but I had to share it with someone!|I was curious if you ever considered changing the page layout of your site? Its very well written; I love what youve got to say. But maybe you could a little more in the way of content so people could connect with it better. Youve got an awful lot of text for only having 1 or two pictures. 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