Forget everything you've heard about credit. Well, maybe not everything. "Living within your means" is always important, but you should be willing to rethink what you know. Because when it comes to debt, credit reports, and credit scores, conventional wisdom is peppered with myths, misunderstandings, and misrepresentations. Credit is a tool. Like any tool, it's neither good nor bad in itself. What matters is how you use it.
Read more... http://www.experian.com/blogs/ask-experian/2015/04/16/11-credit-myths-dont-fall-for-em/?fb1
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