Misconceptions about credit can keep people from achieving their money goals. There are no dumb questions when it comes to finances, but there are myths that can influence what moves consumers make with their money.

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That’s not always the case. Responsible borrowing can help millions of Americans get things they otherwise couldn’t afford.

"It's something most people take on at some point in their life because some major purchases are so big that you can't pay for them all in one go. Things like a college education, a car, a house, starting a business, making major renovations on a property that you already own. These are all reasons why people go into debt. People also go into debt for things like medical bills, car

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