 to number 989898. That's Buck at 989898. Don't believe these myths about how to improve your credit. I'm Greg McBride with TheBankRate.com Personal Finance Minute. Credit building is filled with bogus advice, so don't be too quick to believe what you've heard. For example, you may think that closing old accounts will boost your credit score. No, this is a move that could ding your credit because you'll be left with a smaller amount of available credit.