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An illustration of a magnifying glass revealing the word 'Truth' behind a cracked 'Myths' sign, with a faint credit score chart in the background.

5 Common Myths About Building Your Credit Score

There's a lot of misinformation about what actually helps your score. Some of it is outdated, some is wishful thinking — and some of it keeps people stuck in the exact financial limbo they're trying to escape.

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March 19, 2026

An illustration of a smartphone displaying a high credit score, surrounded by dollar bills and a credit card, with a 5G network icon in the background.

Polar Mobile vs. Prepaid Carriers: Is Your Phone Bill Working for You?

If you've been paying a phone bill for five years, that's thousands in on-time payments that did nothing for your credit. Most carriers only interact with the credit system in one way — they report you if you go to collections, but never give you credit for years of perfect payments.

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March 19, 2026

An illustration of a person standing at a crossroads with signs pointing to 'Loan' and 'Credit Score,' representing the Credit Catch-22 dilemma.

The Credit Catch-22: Build Credit Without a Loan

You need a credit score to get a loan, but you can't get a loan without a credit history.

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March 19, 2026

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