In order to make the big purchases in your life, you will need to have a pretty decent credit score – if you don’t want to be paying an intense interest rates. But, one of the unfortunate things that has happened to our generation, is that we picked up some poor credit habits and are just now realizing this and starting to rebuild. And when we go to get our credit scores, we could unknowingly be getting a bogus credit score. WTF? How did that happen? You went to check your score and it seems like the score isn’t correct. Let’s get to the truth about credit scores.