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The top 10 misconceptions about your credit score.  Ever wondered questions like "When I get married, do we get a joint credit score or do they stay independent?" or "Does making more income at my job increase my credit score?".

Budgets are Sexy takes a look at the top 10 list. 

Here's a snipt from the post.

Things You Don’t Expect that Do Happen:

• If you don’t use your credit cards, your credit score won’t change: In order to have a good credit score, you must have credit available to you and use it responsibly. If you don’t have or use credit, you may have no credit history at all and if you do, your credit score won’t be as good as someone who consistently demonstrates responsible use of credit over time.
• Credit bureaus don’t make mistakes: Nearly eight in 10 credit reports contain a serious error or some sort of mistake, according to a survey by the U.S. Public Interest Research Groups. Because many errors can negatively impact your credit score, it’s important to check your credit report regularly and dispute any inaccuracies you find.
• If a bill or debt isn’t generally reported to the credit bureaus, missing a payment won’t affect your credit score: Any time you pay a bill late or don’t pay at all, that activity can be reported to the credit bureaus. Different companies have different policies about reporting late payments, but never assume that just because you’ve never seen a particular bill listed on your credit report that it can’t negatively impact your credit score if you don’t pay it.

Let us know your thoughts in the comments!.  Are they missing any or did you learn anything? 

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