1. Savoy Credit specializes in helpingpeople rebuild their credit scores. Weare industry experts with provenexperience in helping clients repairtheir credit!

2. TOP 26 Misconceptions of CreditAs industry experts, we understand just how easy it is for anyone toslip into a bad credit score. Whether your credit has been affectedby student loans, a bankruptcy, a divorce, foreclosures or anythingelse, it can be an extremely frustration experience which can denyyou access to many of your most important life goals. 3. Myth #1: You share a credit score with yourspouse. 4. Myth #2: Your credit score only counts whenyoure looking to borrow money. 5. Myth #3 Always pay your credit card balance infull and that will give you the best credit. 6. Myth #4: My mortgage broker can use the creditreport I obtained from Annual Credit Report. 7. Myth #5: Too many accounts will hurt, thereforeyou must close accounts. 8. Myth #6: A co-signer is not responsible. 9. Myth #7: If a judge in a divorce proceedingorders a spouse to pay a debt, its no longeraffected by credit. 10. Myth #8: Piggybacking does not work anymore. 11. Myth #9 Opting out will increase your creditscore. 12. Myth #10: Multiple auto loan inquiries increasewill hurt your score for each one. 13. Myth #11: It will take me seven years to improvemy credit, when in actuality its an ongoingprocess to improve your credit. 14. Myth #12: A serious financial crisis like as aforeclosure or bankruptcy permanently hurtsyour credit score. 15. Myth #13 FICO scores are locked in for sixmonths, and that they change every six months. 16. Myth #14 "I dont need to check my credit reportif I pay my bills on time." 17. Myth #15 "Checking my own credit report harmsmy credit standing." 18. Myth #16 Consolidating into a low interest creditcard will increase your score. 19. Myth #17: Going over the balances on your creditlimits are okay because the credit card companyauthorized the purchase. 20. Myth #18 "As long as you pay off your creditcard balances, your score will go up." 21. Myth #19 Types of Credit dont matter. 22. Myth #20 Paying off an old collection or chargeoff will increase your credit score. 23. Myth #21 Using debit cards which will help tobuild your credit is another myth. 24. Myth #22 "The credit bureaus are governmentagencies." 25. Myth #23 "If I get one credit bureau to remove anitem from my credit report, all the other bureauswill remove it automatically. 26. Myth #24 Credit repair is against the law, isanother myth. 27. Myth #25 Your salary makes a difference in yourcredit score is another myth. 28. Myth #26 Adding a consumer statement to yourcredit file makes a difference, and ultimately,does not make a difference in your credit scoringat all.