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Some of the most common credit advice being shared online is either incomplete, outdated, or completely wrong—and believing these myths could be costing you thousands of dollars in higher interest rates, loan denials, and missed financial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