Whether you have a well-established credit score from years of using a variety of credit sources or you have a credit score of zero as you have never borrowed money, you ave undoubtedly received a lot of advice about personal finance, good debt, bad debt, etc. What are the top THREE pieces of GOOD advice you have received about credit and what is the #1 piece of BAD advice you have received about credit? Feel free to share any personal stories if you are comfortable, but keep in mind you can always use hypothetical examples to get your point across.

(((Remember that there is a rubric for this discussion and that you will be given points for original information, so post early and if you can't, then look up advice about this topic (you will find a lot with little effort) and share it with the group. Instead of repeating advice that others have already posted, go ahead and comment on their post. Maybe you have heard that advice too and believe that it is bad for some reason - if they labeled it as good, tell them why they may be mistaken - if they labeled it as bad, share another reason why you believe it is bad. It's a "discussion" board, not a "post-it and forget it" board.)))

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