Before you start your home search for a Boston condo, here are eleven credit report myths you should be aware of:

Paying my debts will make my credit report instantly pristine
Credit counseling always destroys my credit score
Canceling credit cards boosts my score
Too many inquiries hurt my score
Checking my own credit report harms my standing
FICO scores are locked in for six months
I don’t need to check my credit report if I pay my bills on time
All credit reports are the same
A divorce decree automatically severs joint accounts
Bad news comes off in seven years
I can always pay someone to fix or repair my credit

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