Looking to increase your credit score? Of course you are or you wouldn’t be reading this article. Buying power is an important part of credit health and surprise, it all depends on your credit score. What is a credit score?

A credit score is a complex calculation of figures based on how much money you take in, how much money you owe, your behavior on how you’ve handled financial obligations in the past, and a likelihood that you are able to repay the money you want to barrow. It’s not a simple equation and there’s a lot of misinformation out there on how to achieve good credit health.

Hopefully this infographic will help set us straight and reveal some of the major credit myths that exist out there. Getting on the track to better credit health is not easy, but it looks like there’s some easy thing we can all do right away to increase our scores. Take a look: