7 Credit Misconceptions and Myths Debunked

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Other factors that are not part of the credit report are your academic background. How many degrees you hold does not matter for your credit report, but what does matter to them is that if you took out student loans, that you are paying them on time and managing that debt responsibly.
Also, your age, race, and sex will not have an affect on your credit score as part of the Equal Credit Opportunity Act of 1976.