<ul><li>Your debit card does not contribute to your credit history as it provides access to your funds, not borrowed credit.</li><li>Checking your own credit report does not lower your credit score as it is considered a 'soft inquiry.'</li><li>Contrary to popular belief, your income does not determine your credit score; it is based on repayments, credit usage, and debt management.</li><li>Having zero credit history can be worse than poor credit as lenders have no data to assess your repayment behavior.</li></ul>

Build Better Credit History: Debunking Top 10 Credit Score Myths

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