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    13 Bad Pieces Of Credit Score Advice You Need To Ditch

    "A bad credit score lasts forever, so there's nothing you can do about it." Uhhh, no.

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    Credit scores are misunderstood creatures of the financial world. And while they may seem confusing, believing the wrong things (or ignoring them altogether) can actually do more harm than good.

    So we rounded up some not-so-helpful pieces of credit score advice to help you get to the bottom of what's *actually* helping and hurting you:

    1. "You only have one credit score to worry about."

    2. "Avoid checking your credit score too often because you'll lower it."

    3. "You have to be in debt to get a healthy credit score."

    4. "It doesn't matter how much you charge to your credit card, as long as you make a monthly payment."

    5. "Closing a credit card you haven't been using won't have an impact on your credit score."

    6. "If you don't have a credit card, you can't have a low credit score."

    7. "Having large amounts of debt means you definitely have a low credit score."

    8. "A low credit score lasts forever, so there's nothing you can do about it."

    9. "It's OK to have an authorized credit card user because their activity won't affect your credit score."

    10. "Missing just one debt payment is no big deal."

    11. "Making on-time payments is the only way to improve your credit score."

    12. "Paying off all your debt will increase your credit score."

    13. "You need a perfect credit score."

    If this sounds like music to your ears (and wallet), don't forget to check out some of our other personal finance posts.