Question 26 when two people get married, their credit files merge into one file is false. They don't merge, if you look at a credit report for a home loan is what they call a tri merge. And on this tri merge credit report, you could have two separate credit reports put onto one report. So you're going to see a notation that says applicant one, applicant two, depending upon who's in the first position or who's in the second position. Asking for lower limits on your credit cards will help your score. It's false.

Asking for higher limits will help your credit score. The reason for this is because FICO scoring, likes to see a larger gap between what you all and what's your maximum Is it and to be quite honest, asking for a higher limit, if it's approved will help your score judgments, liens bankruptcies, they're on credit reports because the judicial system reports to the credit bureaus. That's false. They do not report they have a company called Lexus Nexus that goes into the judicial system into the federal and in each judicial system. Could be the county could be the state could be the feds and they will get they have their minions that pull from these reports. Then is sold to the credit bureaus.

Number 29. When trying to improve your scores, the most important thing you can do is get the bad off. Get good credit on your report. Keep what is good, good? or all of the above? The answer is all of the above.

Get the bad stuff fixed if you can get good credit on your report through installment and revolving debt, keep what is good pristine