Many consumers are confused about how to build and maintain good credit, and part of the reason is because they harbor myriad myths about the topic. For instance, consumers have this notion that you need to carry a credit card balance in order to build good credit. Not true! I’m working on an article that seeks to dispel and debunk these sorts of credit-building and score-related myths and set consumers straight. If you have any insight as a credit expert and know of a few common myths you wish would just die already, I would love to hear from you!