Myth Busting FICO® Scores: Better Understanding for Better Credit Options

Oct 3, 2025

Your credit score impacts far more than just your ability to buy a house. It influences loan rates, credit card offers, and access to financial opportunities that can save (or cost) you money over time.

In this episode of Think Like A Saver, host Amy Miller sits down with Jenelle Dito from FICO® to clear up some of the biggest myths about credit. Together, they break down:

• The history and basics of the FICO® Score
• The five key categories that make up your score
• How newer scoring models work
• Common credit myths like whether checking your score will hurt it, if you need debt to build credit, and whether you should close unused cards

Whether you’re just starting your credit journey or looking to improve your financial confidence, this episode will give you practical insights to help you take control of your credit and your future.

Listen now and start thinking like a saver. Once you listen, check your FICO® Score at myFICO.com/free.