My credit history does not affect my chances for renting my first apartment.

To build a positive credit history, I should pay cash for all purchases.

Routinely paying my bills late could negatively affect my credit history.

When I apply to borrow money for a car, the loan company will most likely look at my credit history.

I need to first pay bills, such as a loan or a phone bill to establish credit history.

Having a small amount of debt is good for my credit history.

The more credit cards I have, the higher my credit score will be.

My landlord can report my failure to pay rent to a credit reporting agency.

If my credit card allows me to charge up to $1000, I should charge the maximum amount to build my credit history.

Paying the entire amount on my credit card creates bad credit history.

I should review my credit report for errors.

A credit report contains my personal information such as my address and social security.

Late payments are retained on credit reports for 7 years.

A bad credit report cannot affect my chances for getting a job.