Top 5 FICO Score MISCONCEPTIONS:

1. You only have one FICO score - FALSE, you may have DOZENS!

2. Checking your credit will lower your FICO score - FALSE, you can view your own credit report with no risk

3. Your income affects your FICO score - FALSE, your income is not factored into your credit score

4. Closing a delinquent credit account will help your FICO score - FALSE, the negative info remains AND it might lower your score even more.

5. You can't fix a bad FICO score - FALSE, use StellarFi to repair your credit!