Even though the curtain was pulled back on FICO in 2000, allowing us to see how our credit scores are created, there are still lots of myths out there about how we should use credit and things that supposedly help or hurt us in getting the best score that we can. A lot of these myths, unfortunately, contain nuggets of truth, which is why they are so hard to spot. But that’s what we’re here for – read on for 4 of the biggest credit myths and how they can actually damage your score.