This is great information, Ninah. I'll be sharing this with my buyers. Keep this great posts coming. They are so well written and easy to understand. 

I worked very hard to keep my score good even when I was have had financial struggles from time to time in my life. There was a divorce a bazillion years ago with lots of debt I didn't owe, but I had to pay to fix things and then when my Donald and I had three kids in college after the housing bubble burst.  I recently made my husband get a credit card because he was in that I'm done with debt, I don't want to stinkin' credit card mindset.

Ninah - Always good to clear up some myths regarding credit.